Car title loans in Delaware
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Delaware title loan rules at a glance
| Governing law | Licensed Lenders - Title Loans (5 Del. C. §§ 2250-2261) |
|---|---|
| Maximum loan | Subchapter V sets no maximum loan amount. (5 Del. C. §§ 2250-2261) |
| Rate / fee cap | No statutory rate cap. Licensed lenders may charge the rate in the agreement. A lender may not advertise a lower introductory rate that rises on rollover. (5 Del. C. §§ 2229, 2237, 2251) |
| Maximum term | Original term of 180 days or less. Rollovers may not extend repayment beyond 180 days from disbursement. (5 Del. C. §§ 2250(4), 2254) |
| Renewals | Allowed only within the 180-day limit. (5 Del. C. § 2254) |
| Repossession notice / right to cure | Before repossessing or suing, the lender must offer a workout agreement that reduces the debt by at least 10% a month, and give you at least 10 business days to accept it. Repossession must follow UCC Article 9 default procedures. Interest stops when the lender takes the car. (5 Del. C. §§ 2255, 2258, 2259) |
| Surplus after sale | Yes. The sale fully satisfies the debt, so you owe no deficiency, and the lender must pay you any surplus. Within 30 days of the sale it must send a written explanation of how the proceeds were applied. (5 Del. C. §§ 2260, 2261) |
Title loans online in Delaware
You can start a Delaware title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Maryland | Not available | — |
| New Jersey | Not available | — |
| Pennsylvania | Not available | — |
Title Loans by city in Delaware
Counties in Delaware
Show all 3 counties
Also see: Payday Loans in Delaware · Personal Loans in Delaware · All Delaware loan options
Frequently asked questions
Are title loans legal in Delaware?
Car-title loans are legal in Delaware from licensed lenders under 5 Del. C. Chapter 22, Subchapter V. There is no rate cap. The total term is limited to 180 days, and a workout plan must be offered before repossession.
How much can you get for a title loan in Delaware?
Subchapter V sets no maximum loan amount.
What interest can title lenders charge in Delaware?
No statutory rate cap. Licensed lenders may charge the rate in the agreement. A lender may not advertise a lower introductory rate that rises on rollover.
When can a title lender repossess my car in Delaware?
Before repossessing or suing, the lender must offer a workout agreement that reduces the debt by at least 10% a month, and give you at least 10 business days to accept it. Repossession must follow UCC Article 9 default procedures. Interest stops when the lender takes the car.
Do I get money back if my car is sold in Delaware?
Yes. The sale fully satisfies the debt, so you owe no deficiency, and the lender must pay you any surplus. Within 30 days of the sale it must send a written explanation of how the proceeds were applied.
Can I get a title loan online in Delaware?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Delaware title loan request in about 3 minutes.
How much can I get for a title loan in Delaware?
The amount depends mainly on your vehicle's value, along with your income and Delaware rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I get a title loan on a financed car in Delaware?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Delaware will tell you what they can offer.
What do I need for a title loan in Delaware?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Delaware, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.