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Are title loans legal in Delaware?

By Lenditup Editorial Team · Law last verified · How we verify

Yes. Title loans are legal in Delaware, and lenders must follow the Delaware Title Loan Act, 5 Del. C. §§ 2235A, 2260.

Title loan rules in Delaware at a glance

Title loan rules in Delaware
Title-loan lawDelaware Title Loan Act, 5 Del. C. §§ 2235A, 2260
Rate capNo statutory cap — rate set by the loan agreement (5 Del. C. §§ 2250-2261)
Loan termUp to 6 months
Rollovers and renewalsAllowed, but no rollover may extend repayment beyond 180 days from disbursement (5 Del. C. § 2254)
RepossessionAllowed after default
Time to catch up before repossession10 days
Owe the balance after the car is sold?No, the lender cannot collect a remaining balance
Lender licenseRequired (Delaware Office of the State Bank Commissioner (OSBC))
Statute5 Del. C. §§ 2250-2261 (Subchapter V, Title Loans)

Source: 5 Del. C. §§ 2250-2261 (Subchapter V, Title Loans) (read the law). We last checked it against the statute on June 9, 2026. See title loan laws in every state.

What a title loan costs in Delaware

Rate rule in Delaware: No statutory cap — rate set by the loan agreement (5 Del. C. §§ 2250-2261). We don't show a worked example for Delaware because the law doesn't fix one price. Compare the APR and the total you will repay in each lender's written disclosure before you sign.

What happens if you can't repay

If you fall behind, the lender can repossess your car, but Delaware gives you 10 days to catch up on missed payments first. If the car is sold, the lender cannot come after you for any balance the sale did not cover.

If you think you will miss a payment, call the lender before the due date and ask what options it offers.

How to check a lender in Delaware

Title lenders in Delaware must be licensed (Delaware Office of the State Bank Commissioner (OSBC)). Search for the lender on the official license lookup before you sign. Lenditup does not check lender licenses for you (see how we verify).

Looking for a loan in Delaware?

A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.

Start a title loan request

Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Delaware law.

Title loan questions for Delaware

01What is the most a title lender can charge in Delaware?
No statutory cap — rate set by the loan agreement (5 Del. C. §§ 2250-2261). Your contract must show the APR before you sign.
02How long is a title loan in Delaware?
Up to 6 months, under Delaware law.
03Can I roll over a title loan in Delaware?
Allowed, but no rollover may extend repayment beyond 180 days from disbursement (5 Del. C. § 2254). Each renewal adds cost, so ask for the total you will repay.
04What happens if I can't repay a title loan in Delaware?
If you fall behind, the lender can repossess your car, but Delaware gives you 10 days to catch up on missed payments first. If the car is sold, the lender cannot come after you for any balance the sale did not cover.
05How do I check that a title lender is licensed in Delaware?
Title lenders in Delaware must be licensed (Delaware Office of the State Bank Commissioner (OSBC)). You can look a lender up in the official license search.
06Is Lenditup a title lender in Delaware?
No. Lenditup is not a lender. We connect you with lenders and lending marketplaces in our network, and the lender you choose sets your rate and terms within Delaware law.

Title loan laws in other states

Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.