DE · LOAN-AGMT · Updated July 2026 · Free
Delaware Loan Agreement
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Delaware at a glance: Default Usury Cap: 5% above Fed discount rate · Maximum Written: No limit (must be written) · Governing Law: Delaware Code Title 6
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Overview
Loan Agreements in Delaware
Delaware allows parties to agree to any interest rate if written, with a statutory default of 5% over the Federal Reserve discount rate (Del. Code Tit. 6 § 2301).
Key Facts
Delaware Loan Agreement — Quick Reference
| Requirement | Delaware Rule |
|---|---|
| Default Usury Cap | 5% above Fed discount rate |
| Maximum Written | No limit (must be written) |
| Governing Law | Delaware Code Title 6 |
Legal Requirements
Delaware Legal Requirements
- Interest rates above the default floating rate must be specified in writing.
Governing Laws
Delaware Governing Laws
Read the full text of these laws at Cornell Law School's Delaware legal resources or your state legislature's official website.
Questions & Answers
Delaware Loan Agreement — Frequently Asked Questions
Are Delaware business loans subject to usury limits?
No, Delaware has no usury limits for commercial or business loans.