CashWhat Do You Need to Apply?
Here is what we ask for to verify your loan eligibility in Delaware:
How to Get a Payday Loan in Delaware
Applying through Cash Day USA is a quick, simple, and secure process:
Complete an Application
Apply online 24/7, visit our Bear store on Pulaski Highway, or call us at (912) 497-8676. The form takes just 5 minutes and requires no paperwork.
Receive an Instant Decision
Your application is reviewed almost instantly with no hard credit check. We assess your income and overall financial profile — not just your credit score — to give bad credit borrowers a fair chance.
Get Your Money
Once approved and signed, funds are deposited directly to your bank account — same day if finalized before 10:30 AM ET on a banking day. In-store applicants can receive cash immediately.
*Loans originated before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are processed on the next banking day.
Delaware Rates & Terms
Payday lending is legal in Delaware. The maximum loan amount is $1,000 and the maximum repayment period is 60 days. There is no statutory APR cap — a typical 14-day loan carries an average APR of approximately 521%.
Up to 4 rollovers are allowed per loan, and borrowers are limited to 5 payday loans per 12-month period. A lender's fee applies to each loan, and an NSF fee of up to $25 may be charged for late or missed payments.
Cash Day USA also offers installment loans up to $5,000 with repayment terms of up to 24 months — a flexible option if you need a higher loan amount or more time to repay.
*The table above is a sample fee schedule for informational purposes only. Actual rates and fees will be specified in your loan agreement.
| Loan Amount | Finance Charge | Total Payment | APR (14-day) | APR (31-day) |
|---|---|---|---|---|
| $100 | $20 | $120 | 521.43% | 243.33% |
| $300 | $60 | $360 | 521.43% | 243.33% |
| $500 | $100 | $600 | 521.43% | 243.33% |
How Delaware Laws Protect You
Delaware law and state regulations are designed to give borrowers important protections:
About Cash Day USA in Delaware
Cash Day USA is a licensed direct lender proudly serving Delaware residents from our Bear, DE location on Pulaski Highway, as well as through our fully online application platform available 24/7.
We deliver a unique borrowing experience by combining top-notch technology with exceptional in-person customer service. Whether you apply online in 5 minutes or walk into our Bear store for personalised assistance, our team is here to help you get the emergency cash you need — fast and with full transparency.
We perform only a soft credit check with no impact on your score. Bad credit borrowers and those with no credit history are welcome to apply. We assess your overall financial profile to give as many Delaware residents as possible access to the funds they need.
Get quick cash in Delaware today!
Apply online or visit one of our Delaware locations — it takes only minutes.
Apply Now