Ardencroft at a glance
- Population: 229 residents, the 49th-largest of 57 places in Delaware (US Census Bureau, Vintage 2023).
- 2020 Census base: 227 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 0.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Delaware places: 49th by size among 57 communities (US Census Bureau).
- Size percentile: ahead of around 14% of Delaware places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.8056, -75.4862.
- Nearest larger cities: Ardentown, DE (0 mi); Arden, DE (0 mi); Bellefonte, DE (3 mi); Marcus Hook, PA (4 mi); Trainer, PA (5 mi); US Census Bureau population estimates.
- Smaller places close by: Tavistock, NJ (25 mi); New Morgan, PA (34 mi); Leipsic, DE (39 mi) (US Census Bureau).
What a personal loan costs in Ardencroft
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Delaware lending rules that apply in Ardencroft
Read the table as the compliance picture for a lender serving Ardencroft: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ardencroft
The order below is a sensible way to approach a loan in Ardencroft:
- 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.