Harrington at a glance
- Population: 3,860 — 15th in Delaware, which has 57 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,776 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 2.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Delaware places: 15th by size among 57 communities (US Census Bureau).
- Size percentile: it is larger than about 74% of the places in Delaware (US Census Bureau).
- Coordinates: 38.9241 latitude, -75.5718 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Milford, DE (8 mi); Camden, DE (12 mi); Denton, MD (14 mi); Dover, DE (17 mi); Seaford, DE (19 mi), each a US Census place with its estimated population.
- Nearest smaller places: Houston, DE (4 mi); Farmington, DE (4 mi); Felton, DE (6 mi) (US Census Bureau estimates).
What a personal loan costs in Harrington
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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 Harrington
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Harrington
Run through this list before signing anything in Harrington:
- 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.