Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / DE
Personal loans, banking, insurance, and debt help in Delaware
Delawareans take out personal loans mainly to consolidate credit card debt, cover car repairs or medical bills, finance home improvements, or pay for weddings and moves, with most loans unsecured.
36lenders in the dataset
DEstate guide
$988/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Delaware
Delawareans take out personal loans mainly to consolidate credit card debt, cover car repairs or medical bills, finance home improvements, or pay for weddings and moves, with most loans unsecured.
Interest-rate law
Delaware personal loan rates are essentially uncapped for licensed lenders under Title 5, Chapter 22 of the Delaware Code, with no percentage ceiling on general consumer installment loans. A narrower 20% cap applies only to short-term loans of $1,000 or less with a term under 60 days.
| Loan range | Rate | Statute |
|---|---|---|
| General consumer installment loans | No percentage rate ceiling; lender sets by agreement | Title 5, Chapter 22, Delaware Code |
| $1,000 or less, term under 60 days | 20% cap | Not specified in dataset |
Lender complaints: Delaware Office of the State Bank Commissioner
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Happy Money
- Credit profile
- Good
- APR range
- 7.95% – 35.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
M&T Bank
- Credit profile
- Not specified
- APR range
- 7.74% – 13.94%
- Loan amount
- $2,000 – $5,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
PNC Bank
- Credit profile
- Not specified
- APR range
- 7.89% – 24.99%
- Loan amount
- $1,000 – $35,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
Santander
- Credit profile
- Not specified
- APR range
- 7.99% – 24.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
60MonthLoans
- Credit profile
- Fair
- APR range
- 25% – 36%
- Loan amount
- $2,600 – $10,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
TD Bank
- Credit profile
- Fair - Excellent
- APR range
- 9.99% – 23.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 195.75% – 349%
- Loan amount
- $300 – $5,000
Poor or limited credit
Integra Credit
- Credit profile
- Poor
- APR range
- 149% – 399%
- Loan amount
- $500 – $3,000
Poor or limited credit
Mariner Finance
- Credit profile
- Poor
- APR range
- 15.49% – 35.99%
- Loan amount
- $1,000 – $25,000
Poor or limited credit
MoneyKey
- Credit profile
- Poor
- APR range
- 295% – 401.20%
- Loan amount
- $200 – $2,500
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Personify Financial
- Credit profile
- Poor
- APR range
- 36% – 179.50%
- Loan amount
- $500 – $15,000
Poor or limited credit
Rise
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
03 / Debt consolidation
Debt consolidation
Since Delaware doesn't cap rates for licensed lenders, there's no legal ceiling protecting borrowers from a debt consolidation loan priced at or above their existing credit card APR, making shopping around especially important.
04 / Banking and credit unions
Banking in Delaware
National banks offer scale and convenience, while regional and Delaware-based banks compete on relationship banking and faster local decisions.
Banks listed
- WSFS BankHeadquartered in Wilmington, DE.
- ChaseNational bank.
- Bank of AmericaNational bank.
- PNC BankNational bank, headquartered in Pittsburgh, PA.
- M&T BankHeadquartered in Buffalo, NY, with a significant Delaware presence.
- Citizens BankHeadquartered in Providence, RI.
- Discover BankHeadquartered in Riverwoods, IL, with bank operations based in Delaware.
Credit unions
Delaware's credit unions are member-owned, not-for-profit institutions offering lower rates and fees than banks, with one of the highest per-capita membership rates in the country.
Delaware credit unions posted median membership growth of about -0.2% year over year (Q4 2025 NCUA data), close to the national median of about -0.5%, while posting the strongest median asset growth in the comparison (about 3.6%); they also carry a notably high median delinquency rate (about 1.59%).
DEXSTA Federal Credit Union began in 1937 among workers at the DuPont Experimental Station, part of a broader pattern of DuPont-employee credit unions. Del-One Federal Credit Union began in 1960 as the Delaware Highway Federal Credit Union before broadening into the state's only credit union with statewide branches. Del-One's 2016 agreement to open membership to 93,000 customers of Delaware Electric Cooperative illustrates growth by attaching to existing large membership pools.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal and regulated under the Uniform Debt Management Services Act (UDMSA), effective since January 2007, licensed and administered by the Delaware Attorney General's Director of Consumer Protection. Fees are capped at 30% of savings (not total enrolled balance). Providers must be accredited, maintain a trust account and bond, and provide specific disclosures and a cancellation right.
Companies listed in the dataset
06 / Insurance
Delaware insurance
Regulator
Delaware Department of Insurance
Insurance regulator websiteAuto insurance
25/50/10
Delaware requires liability insurance with minimum limits of $25,000 per person and $50,000 per accident for bodily injury liability, plus $10,000 for property damage liability. Delaware also requires personal injury protection (PIP) coverage.
Homeowners and renters
$988/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $144/yr
Delaware's coastal communities carry real exposure to nor'easters, coastal flooding, and occasional hurricane remnants moving up the Atlantic seaboard.
07 / Questions
Delaware FAQs
How do I file a complaint against a lender in Delaware?
Contact the Delaware Office of the State Bank Commissioner, which licenses and supervises banks and consumer lenders operating in Delaware.
How do I file a complaint against my insurance company in Delaware?
File with the Delaware Department of Insurance.
What's the maximum interest rate a lender can legally charge on a personal loan in Delaware?
For most personal loans, there isn't one. Title 5, Chapter 22 of the Delaware Code sets no percentage rate ceiling on general consumer installment loans. A narrower 20% cap applies only to short-term loans of $1,000 or less with a term under 60 days.
What credit score do I need for a personal loan in Delaware?
It depends on the lender. Banks and credit unions typically want a FICO score of 700+, online FinTech lenders work with fair credit (low-to-mid 600s), and some lenders serve poor or limited credit at significantly higher APRs.
Are payday loans legal in Delaware, and are there caps on fees or loan amounts?
Yes, regulated by limiting rollovers rather than capping the rate. Short-term consumer loans are capped at 5 per borrower across all licensees in any 12-month period, and lenders can't roll over the same loan more than 4 times. There's no percentage rate cap on the loan itself.
How long can a debt collector legally pursue an unpaid debt in Delaware before the statute of limitations runs out?
Written contracts, oral contracts, and most consumer debts have a 3-year statute of limitations (10 Del. C. § 8106); promissory notes get a longer 6-year window. A payment or written acknowledgment can restart the clock.
What's the difference between a debt consolidation loan and debt settlement for someone living in Delaware?
A debt consolidation loan pays creditors in full with new borrowed money at a lower rate; credit recovers quickly. Debt settlement negotiates a reduced payoff but damages credit and may create taxable forgiven income. In Delaware, where rates aren't capped for licensed lenders, comparing the actual math on a consolidation offer matters even more.
