Pause non-essential spending and focus on what matters. A 7-day reset for your wallet.
7 days
$70 goal
No Takeout for a Week
Skip delivery apps and eating out for 10 days. Mark each day done and watch your savings grow.
10 days
$100 goal
Daily Coffee Break
Avoid buying coffee and drinks for 5 days. Small cuts, real savings, one morning at a time.
5 days
$50 goal
Product Details
Two tools. One app.
Loans
Find Loan Options That Fit You
We connect you with independent providers so you can review available options based on your selected range and profile.
Loan amounts from $100 to $5,000
Representative APR between 5.99% and 35.99%
Repayment from 65 days to 24 months
Clear terms, no hidden surprises
DCR Loans is not a lender
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Challenges
Build Real Financial Habits
Take on guided money challenges that help you cut unnecessary spending and save, day by day, at your own pace.
Simple, actionable daily challenges
Track your progress every day
Different challenges for different goals
Designed to fit into real daily life
Free to use, no subscriptions
02
Security
Built with your privacy in mind.
Encrypted & Secure
Your data is protected with industry-standard encryption in transit and at rest.
You Stay in Control
Your information is shared only with the provider you select when you choose to proceed.
iOS App
DCR Loans is available exclusively on the Apple App Store for U.S. iPhone users.
Not a Lender
DCR Loans LLC does not issue loans or make credit decisions. All approvals are made by the independent provider you select.
FAQ
Common questions.
No. DCR Loans is not a lender and does not issue loans or make credit decisions. We help you compare options from independent providers who set their own terms and eligibility requirements. All approvals and funding decisions are made solely by the provider you choose.
Representative options range from $100 to $5,000. Representative APRs range from 5.99% to 35.99% (maximum 35.99%), and representative repayment periods range from 65 days to 24 months. For illustration: a $1,000 amount at 20.99% APR over 12 months is approximately $93.11 per month, about $1,117.32 in total. Actual terms depend on the provider you select and are disclosed before you agree. Submitting a request does not promise approval or any offer.
Browsing options through DCR Loans does not impact your credit score. However, if you proceed with a provider, that provider may perform a hard credit inquiry which could affect your score. Always review each provider's terms before applying.
Challenges are guided, time-based financial habits designed to help you save money and build better spending patterns. Examples include avoiding takeout for 10 days or cutting non-essential spending for a week. They're free to use with no subscriptions or in-app purchases required.
DCR Loans is currently available exclusively on the Apple App Store for iPhone users in the United States. There is no Android version at this time.
No. Submitting a request does not mean you will receive an offer. Approval decisions are made solely by the independent provider you select based on its own criteria, and not all applicants will qualify.
Available on the App Store
Ready to explore your options?
Download DCR Loans, check available loan ranges, and start building better financial habits today.
