An apparatus is provided that includes a control circuit coupled to a plurality of non-volatile memory cells. The control circuit is configured to perform a program-verify iteration on a first set of the non-volatile memory cells and a second set of the non-volatile memory cells in a plurality of program loops, determine that at least one of the first set of the non-volatile memory cells and the second set of the non-volatile memory cells verification to a programmed state in a first number of program loops, and compare a difference between the first number of program loops and the second number of program loops to an adaptive maximum loop delta limit. The adaptive maximum loop delta limit varies as a function of temperature.