Arden at a glance
- Population: about 433, 39th by size in Delaware of 57 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 430 (US Census Bureau).
- 2020 to 2023 change: about 0.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Delaware places: 39th by size among 57 communities (US Census Bureau).
- Size percentile: larger than about 32% of the Census places in Delaware (US Census Bureau).
- Coordinates: 39.8113, -75.4885 (US Census Bureau Gazetteer).
- Nearest larger cities: Bellefonte, DE (3 mi); Marcus Hook, PA (4 mi); Trainer, PA (5 mi); Chester Heights, PA (6 mi); Wilmington, DE (6 mi); US Census Bureau population estimates.
- Smaller places nearby: Ardencroft, DE (0 mi); Ardentown, DE (0 mi); Tavistock, NJ (25 mi), per US Census Bureau estimates.
What a personal loan costs in Arden
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Delaware lending rules that apply in Arden
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 5% over the Federal Reserve discount rate; no rate limit for loans over $100,000 (licensed lenders may set rates by agreement under 5 Del. C. § 2229) Source says: "interest at any rate agreed upon in writing not in excess of 5% over the Federal Reserve discount rate"; "there shall be no limitation on the rate of interest which may be legally charged for the loan or use of money". | Delaware General Assembly — 6 Del. C. § 2301 as of 2026-09-16 |
| Payday lending status | Permitted as 'short-term consumer loans' (≤$1,000, stated term under 60 days); max 5 per borrower per 12 months; max 4 rollovers Source says: "a short-term consumer loan that would cause the borrower to have more than 5 short-term consumer loans from all licensees in any 12-month period"; "No licensee shall make more than 4 rollovers of an existing short-term consumer loan". | Delaware General Assembly — 5 Del. C. §§ 2227, 2235A as of 2026-09-16 |
| Small-loan / installment lender licensing | Licensed lender license required from the State Bank Commissioner; making more than 5 loans in any 12-month period is deemed 'transacting the business of lending' Source says: "Every person desiring to transact the business of lending money in this State shall be required to obtain a license under this chapter". | Delaware General Assembly — 5 Del. C. § 2202 as of 2026-09-16 |
| State lending regulator | Delaware Office of the State Bank Commissioner (OSBC) Source says: "The Office of the State Bank Commissioner is responsible for regulating and examining State-chartered banks and trust companies and licensed financial services businesses". | Delaware Office of the State Bank Commissioner as of 2026-09-16 |
| Title loans (5 Del. C. ch. 22, subch. V) | Title loans permitted: secured by motor vehicle title, original repayment period of 180 days or less; borrower has a right to rescind until the end of the next business day Source says: "“Title loan” means a loan made to one or more natural persons by a licensee and secured by the title to a motor vehicle". | Delaware General Assembly — 5 Del. C. § 2250 as of 2026-09-16 |
How to compare offers in Arden
A few practical steps will make the process in Arden less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Delaware using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.