Delaware limits a borrower to five short-term consumer loans from all licensees in any 12-month period; refinancing and rollovers count. Keep your own dates and payoff receipts because the limit applies across providers.
The law requires a right of rescission and allows no more than four rollovers of an existing short-term loan. Read the contract for how to rescind and what added costs a rollover creates.
Delaware requires posted fee schedules and a warning that payday loans are not a long-term solution. The State Bank Commissioner licenses consumer lenders and accepts written complaints; include the agreement and payment history.
Official reference: Delaware Code — Short-Term Consumer Loans. Checked November 11, 2026.