Personal loans in Ellendale, DE

Use the calculator on this page to price an amount and term before you commit in Ellendale. Which products a lender may offer to Ellendale's 541 residents follows from the Delaware consumer-lending framework. Population in Ellendale climbed about 10.4% over the three years from 2020 to 2023. The nearest larger metro is Milton, DE about 7 miles away.

Local context for Ellendale

What follows is Ellendale's place in the Census record, alongside the Delaware rules that govern a personal loan made here.

• Population: an estimated 541 residents, 37th of 57 places in Delaware (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is positive, near 10.4%.
• Absolute change: 51 residents added between 2020 and 2023.
• Size percentile: roughly 35% of Delaware's places have fewer residents than Ellendale's 541.
• Population density: about 1,273 people per square mile (Census land area 0.4 sq mi).
• By land area: Ellendale ranks 40th among Delaware's 57 places, at 0.4 sq mi.
• Share of state population: Ellendale's 541 residents are about 0.2% of Delaware.
• National rank: Ellendale is 12,839th of 19,457 places nationwide.
• Growth rank: Ellendale's 2020-to-2023 change ranks 22nd of 57 places in Delaware.
• Against the state trend: Ellendale's 10.4% change compares with a Delaware average of +6.8% across its 57 places.
• Density in Delaware: Ellendale ranks 30th by people per square mile.
• Against the state median: Ellendale runs about 1,273 residents per square mile, where the Delaware median is 1,284.
• Location: 38.8101, -75.4249 (US Census Bureau Gazetteer).
• Nearest larger cities: Milton (7 mi); Milford (7 mi); Georgetown (9 mi); Greenwood (9 mi); Harrington (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities close by: Houston (9 mi); Farmington (9 mi); Slaughter Beach (10 mi), each with its own Census population profile.
• Within a 50-mile radius: 36 smaller Census places.
• Larger places within 100 miles: 311.

Steps to take before a Ellendale loan

Before you apply in Ellendale, a community of about 541, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Delaware licence by checking the regulator named above.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

What differs between Ellendale and the rest of Delaware is not the process but the borrower's own file, among the 541 people here.

How Ellendale compares across Delaware

Within Delaware, Ellendale holds roughly 0.2% of all residents, the 37th-largest share among 57 places. Its 2020-to-2023 change ranks 22nd of 57 Delaware places, putting it near the 61th percentile for growth. Its roughly 1,273 residents per square mile place it 30th among Delaware's places. The population moved by about 51 people between 2020 and 2023, a 10.4% shift.

Delaware consumer-lending rules applied in Ellendale

The rows below set out what a licensed lender must follow in Delaware, and so for Ellendale's roughly 541 residents.

How personal loans work in Ellendale

With roughly 541 residents, Ellendale is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Ellendale's rank of 37th in Delaware: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Ellendale loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in Ellendale

At roughly 1,273 people per square mile, Ellendale is moderately settled; 70 larger places lie within 50 miles. Distance to a branch rarely matters for Ellendale's 541 residents: the application is online and the price follows your credit file. The nearest bigger place is Milton, DE about 7 miles away.