Pawn Software Built for Delaware

Delaware pawn shop software is a point-of-sale and recordkeeping system configured for Title 24, Chapter 23 of the Delaware Code (Pawnbrokers, Secondhand Dealers and Scrap Metal Processors), which caps pawn interest at 30% per month, requires a photo of the seller and a photocopy of government ID on every transaction, and mandates daily electronic police reporting through the Delaware State Police. Licensing and police reporting are administered by the Delaware State Police, Professional Licensing unit, and lending terms also fall under the oversight of the Office of the State Bank Commissioner. PawnSmarts ships pre-configured for these rules, so the interest, the ticket fields, and the daily LEADS Online report are handled from the first pawn — whether your shop is in Wilmington, Dover, Newark, or anywhere in New Castle, Kent, or Sussex County.

How PawnSmarts handles Delaware out of the box

You don't configure a thing. Choose Delaware and PawnSmarts already knows the state's pawn rules. Here's what it does for every loan:

• Auto-calculates interest and fees. Delaware caps pawn interest at 30% per month on loans secured by a pledge of personal property. PawnSmarts applies the rate you set within that limit and computes the payoff exactly — no manual math, no overcharges.
• Tracks due dates and the redemption window. The software sets the contract due date and tracks the grace period afterward, so a pledge can't be sold or disposed of until it has legally aged out.
• Captures the required record fields. Name and description of the pledgor, a photograph of the seller, a photocopy of government-issued photo ID, and a full account and description of the pledged goods — recorded for every transaction, regardless of value.
• Prints a compliant pawn ticket. At the time the loan is made, PawnSmarts hands the pledgor a signed memorandum describing the goods pledged — exactly what Chapter 23 requires, with no charge for the ticket.
• Scans the pledgor's license to auto-fill. Swipe or scan a Delaware driver license or ID and name, address, date of birth and ID number drop into the record automatically — fewer keystrokes, fewer errors.
• Exports to LEADS Online for police reporting. Delaware requires pawnbrokers to report transactions daily through the state's designated electronic tracking system; the Delaware State Police uses LeadsOnline. PawnSmarts builds and exports that file for you.
• Runs OFAC checks. Screen pledgors against the federal sanctions list at intake, automatically.
• Retains your records. Delaware requires records and ID copies be kept and made available to police on request. PawnSmarts keeps everything searchable and produces it in seconds.

Delaware pawn rules at a glance

Wilmington, New Castle County and local rules

State law sets the floor, but Delaware cities and counties can layer on their own requirements — Wilmington and New Castle County, for example, may have local licensing or reporting expectations on top of the state's. PawnSmarts stores your shop's license details, prints them where they need to appear, and keeps your reporting consistent across every location. Running more than one store? Professional shares one live database across all of them, so a pledge written in Newark shows up the same as one written in Dover.

Fewer forfeitures with automatic reminders

On the Professional plan, PawnSmarts sends each pledgor three automatic SMS and email reminders before a loan comes due, each with a secure payment link. Pledgors pay online from home and the loan updates instantly — fewer items run to forfeiture, more loans get redeemed, and your counter stays clear for new business.

What it costs

PawnSmarts is $89/month for the Essential plan or $129/month for Professional — month to month, no contract, no setup fee, no exit fee. Prefer to own it outright? Professional is also available as a one-time purchase for $2,995. It works offline and auto-syncs when you reconnect, and runs on Windows, Mac, iPad, Android, or any phone in a browser.

Explore more

See every state PawnSmarts is set up for on our states we serve page, review what each state demands of your software in the US state licensing guide, and compare PawnSmarts feature-by-feature on our comparison page.

Delaware statutes — for reference. Title 24, Chapter 23 of the Delaware Code (Pawnbrokers, Secondhand Dealers and Scrap Metal Processors), administered by the Delaware State Police, Professional Licensing unit, with lending oversight by the Office of the State Bank Commissioner. This page is a plain-language summary for shop owners, not legal advice — confirm current limits, fees, and reporting requirements with the State of Delaware before relying on them.

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