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Compare your loan options in Dover, Delaware

You can borrow a large amount — but there's no limit on the fees you'll be charged.

Editor's choice: OppLoans Installment Loans

  • Easy online application
  • Quick approval
  • Long repayment terms
See my rate

There are a wide variety of lenders offering payday loans — also known as a cash advance — to residents of Dover. But before you borrow, be sure you know the potential terms of your loan.

Can I get a payday loan in Dover?

Yes, payday loans are legal in Dover and are governed by Delaware Code Title 5 2227 et seq., whether the lender operates a physical storefront or offers loans online.

You can borrow up to $1,000, and your loan term may last up to 60 days. However, you can only borrow five loans within a 12-month period — and that includes any refinancing or rolling over of your loan amount. This limit is meant to help borrowers avoid the high cost of borrowing, but it may not do much. This is because lenders aren’t limited to the interest they charge. The result? You may have an APR in the hundreds of percents when you borrow.

Before you get involved with a loan, compare your rates to make sure you find a lender that offers affordable terms.

Compare short-term loans available in Dover

Name Product Filter Values Loan amount Turnaround time Requirements
Finder Score: 4.7 / 5: ★★★★★
Up to $750 per pay period, but only $100 per day
1 to 3 business days or instant for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Chime SpotMe®
Finder Score: 4.2 / 5: ★★★★★
Chime SpotMe®
Up to $200
Qualifying $200 direct deposits into Chime checking account each month. Chime debit or Credit Builder card.
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Finder Score: 4.1 / 5: ★★★★★
Up to $250
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Not rated yet
Based on the amount of accrued PTO
Up to 5 business days for approval and 5 business days for funding, or instant for a fee
18 years of age, W-2 employee, US citizen or permanent resident, employer must carry over PTO and payout upon termination
Tap your unused PTO for a cash advance so you can access that money early. Available in : CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
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Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.

What do I need to apply?

The first step is to make sure you qualify. While eligibility requirements vary by lender, you’ll generally have to have a steady source of income, be a US citizen or permanent resident and be at least 18 years old.

Then, to complete the application successfully, you’ll have to provide some basic information. This includes:

  • Your name, date of birth, Social Security number and contact information
  • Your employer’s name, address and phone number
  • Your income, pay frequency and details from a checking account

The exact information a lender needs will depend on whether you visit a store or apply online, so before you start, be sure you check the lender’s requirements.

Where to find short-term loans in Dover

Short-term loan locations near me in Dover, DE

  • Advance America. 264 S Dupont Hwy, Dover, DE 19901
  • American Finance, LLC. 4200 N Dupont Hwy #3, Dover, DE 19901
  • Cash Plus. 429 S New St, Dover, DE 19904
  • Check ‘n Go. 283 N Dupont Hwy B, Dover, DE 19901
  • Instant Payday Loans. S State Street
  • E Z Cash of Delaware. 1030 Forrest Ave #122, Dover, DE 19904
  • E Z Loans. 229 Stadium St, Smyrna, DE 19977
  • Loan-Till-Payday. 178 N Dupont Hwy, Dover, DE 19901
  • Minute Loan Center. 510 N Dupont Hwy #4, Dover, DE 19901
  • TJM Financial Group. 738 N Dupont Hwy, Dover, DE 19901

Must read: Be cautious of high financing fees

Delaware doesn’t set an upper limit on the amount a lender can charge in financing fees. This means there is no limit on the maximum APR you’ll have to pay — it varies by lender, so you may be stuck with an extremely high rate if you don’t carefully compare your options. Because of this, you should be cautious when borrowing a loan, especially if your lender sets your loan term at your next payday.

Before you sign a contract, be sure to consider some short-term loan alternatives, including the options listed in the section below.

What other short-term loan options do I have in Dover?

Payday loans aren’t the only option when you live in Dover. Installment loans and auto title loans are also commonly turned to when someone has bad credit, but keep in mind that the cost is still quite high.

  • Installment loans. Installment loans are similar to payday loans, but you’ll generally have longer than 60 days to repay what you borrow. This can make monthly payments easier, though it could come at a cost: The longer your loan term, the more interest you might pay.
  • Auto title loans. When you borrow an auto title loan, you use your car title as collateral. However, like payday loans, the fees a lender can charge isn’t regulated. Because of this, you should take your time choosing a lender and making sure your budget can handle the monthly payments.

Bottom line

Dover, like all of Delaware, has a variety of payday loan options available to its residents. And while these can be convenient options — especially if you need to borrow a larger amount — the cost can quickly skyrocket if you aren’t picky when selecting a lender. Because of this, you should read up on payday loans and learn more about borrowing in Delaware to make sure you’re getting the best deal.

Frequently asked questions

Where else are payday loans available?

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Senior editor

Elizabeth Barry is Digital Managing Editor for Entertainment at Are Media and formerly the lead editor for Finder's global financial niches which includes banking, crypto and investments. She has written about finance for 10 years and specialises in personal finance, including new and emerging areas of banking in Australia and globally. Elizabeth is regularly featured in a range of publications and media including Seven News, the ABC, MSN, the Irish Times and Singapore Business Review. See full bio

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