Terms of Use

DCR Loans. Operated by DCR Loans LLC

Effective date: 2026-05-24  |  Last updated: 2026-05-24

These Terms of Use (the "Terms") govern your use of the DCR Loans mobile application (the "App"), our website at https://dcrloans.com, and related services (together, the "Service") provided by DCR Loans LLC ("DCR Loans", "we", "us", or "our"). They contain important information about your legal rights, including an arbitration provision and class action waiver. If you do not agree, do not use the Service.

1. Acceptance

By creating an account, logging in, or using the Service, you agree to these Terms and to our Privacy Policy at https://dcrloans.com/privacy/, which is incorporated by reference.

2. What the Service Is

DCR Loans is a comparison and matching service. It helps eligible users compare options offered by independent third-party providers and, when the user chooses to proceed, facilitates the request the user initiated by connecting them with the independent third-party provider the user selects ("Provider" or "Providers").

The Service also includes a money-habits module (savings challenges, goals, and progress tracking) that is informational only.

What the Service does NOT do:

  • It does not lend money.
  • It does not make any lending, credit, eligibility, or approval decision.
  • It does not set, control, or negotiate rates, fees, or terms.
  • It does not fund, issue, service, collect, or transfer any loan.
  • It does not promise that you will be matched, approved, or funded.

All lending decisions, eligibility, rates, terms, funding, and servicing are made solely by the independent Providers.

3. Not a Lender; No Offer; No Promise

DCR Loans is NOT a lender, bank, broker of record, loan originator, or credit decision-maker, and the Service is not an offer or solicitation to lend. We do not issue loans, make credit decisions, approve or deny applications, set any APR, fee, amount, or term, or disburse funds. Any loan or product you obtain is solely between you and the Provider. You contract directly with the Provider, not with DCR Loans.

4. Provider Disclosures, Rates, and Terms

The independent Providers are solely responsible for disclosing the actual terms of any product, including APR, finance charges, fees, payment schedule, and other disclosures required by the federal Truth in Lending Act and Regulation Z, before you enter into any agreement. Do not rely on any representative figure shown in the Service as the actual terms of an offer.

Representative information only. Representative APRs range from 5.99% to 35.99% (maximum 35.99%), repayment terms range from 65 days to 24 months, and amounts from $100 to $5,000. For illustration only: a $1,000 amount at 20.99% APR over 12 months is approximately $93.11 per month, about $1,117.32 in total. These are representative figures only; your actual rate, amount, term, and total cost are set and disclosed by the Provider and may differ. Availability and terms vary by Provider and by state.

5. No Promise of Approval, Funding, or Rates

DCR Loans makes no promise that you will be matched, approved, funded, eligible, or offered any particular rate, amount, or term. Providers may, at their discretion and consistent with applicable law, review your information and decline to make any offer for any lawful reason.

6. Eligibility

To use the Service you must be a US resident, at least 18 years old (or the age of majority in your state), have legal capacity to contract, and not be barred under applicable law. Availability of Providers and products varies by state.

7. Accounts, Login, and Security

Some features require an account verified by phone number and one-time passcode (OTP). You agree to provide accurate information, keep your credentials and device secure, and notify us at help@dcrloans.com of any unauthorized use. You are responsible for activity under your account.

8. Accurate Information

You agree to provide information that is accurate, truthful, current, and complete, including any identity, employment, income, and bank account information you submit in the application flow. Providing false or unauthorized information may result in suspension or termination and may affect whether a Provider makes you an offer.

9. Authorization to Share Information with the Provider You Select

When you choose to proceed with a request, you authorize DCR Loans to share the information you submitted only with the single independent Provider you select, as needed to facilitate the application or request you initiated. This sharing is at your direction, to complete the transaction you asked us to start. The categories of data and how they are handled are described in our Privacy Policy. Once your information is shared with a Provider, that Provider's own privacy practices and terms govern its use of the information.

10. Fees and Our Compensation

The Service is free to you. DCR Loans does not charge you any fee for comparing options or for facilitating your request.

DCR Loans may receive compensation, such as a referral fee, from a Provider when you connect with that Provider through the Service. We are compensated for the referral and connection service, not for providing your information to third parties for their independent use. We do not share your information with marketers for their independent commercial use. Providers may charge their own interest, fees, and finance charges, which are set and disclosed by the Provider as part of your agreement with the Provider. Standard mobile carrier or internet rates may apply to your use of the Service.

11. Money-Habits Module Is Informational Only

The money-habits module is provided for general informational and educational purposes only. It is not financial, investment, tax, legal, or other professional advice, and it is not a recommendation to obtain or not obtain any product. You are solely responsible for your financial decisions.

12. Intellectual Property

The Service and its software, design, text, graphics, and logos (excluding content you submit and content owned by Providers or third parties) are owned by DCR Loans LLC or its licensors. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own lawful use. You may not copy, modify, distribute, sell, reverse engineer, or create derivative works except as permitted by law or these Terms.

13. Third-Party Providers and Services

The Service may link to or interact with third-party providers and services we do not control. We are not responsible for the content, products, policies, decisions, rates, terms, or conduct of any third party, including any Provider. Your dealings with any Provider are solely between you and that Provider. Review the terms and privacy policies of any third party before using its services.

14. Disclaimer of Warranties

To the fullest extent permitted by law, the Service is provided "as is" and "as available," without warranties of any kind, express, implied, or statutory, including merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, that you will be matched or receive any offer, or that any representative figure will reflect actual Provider terms.

15. Limitation of Liability

To the fullest extent permitted by law, DCR Loans and its officers, directors, employees, agents, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, data, or goodwill, arising out of or relating to the Service or to any product, decision, rate, term, or conduct of any Provider. Our total aggregate liability for all claims relating to the Service will not exceed USD $100. Because the Service is a matching service and not a lender, DCR Loans is not responsible for any loan, rate, term, fee, decision, default, collection, or dispute between you and a Provider.

16. Indemnification

You agree to indemnify, defend, and hold harmless DCR Loans LLC and its officers, directors, employees, agents, and licensors from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the Service, your violation of these Terms or any law or third-party right, any information you submit, or any dispute between you and a Provider.

17. Account Termination and Deletion

You may stop using the Service at any time. You can delete your account and associated personal information directly in the App:

  1. Open the DCR Loans App and sign in.
  2. Go to Account or Settings.
  3. Select "Delete Account."
  4. Confirm when prompted.

When you delete your account, we delete or de-identify your information as described in our Privacy Policy, except where we are required or permitted by law to retain it. Information you previously shared with a Provider is subject to the Provider's own practices. If you cannot use the in-app feature, email help@dcrloans.com. We may suspend or terminate access if we reasonably believe you have violated these Terms or applicable law.

18. Governing Law

These Terms are governed by the laws of the State of Colorado and applicable federal law, without regard to conflict-of-laws rules.

Please Read Carefully

19. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

You and DCR Loans agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration under the Federal Arbitration Act, except that either party may bring an individual claim in small claims court if it qualifies. You and DCR Loans each waive any right to a jury trial and to participate in any class, collective, or representative action. Before starting arbitration, you must send a written notice of dispute to help@dcrloans.com and allow 30 days for informal resolution. You may opt out of this arbitration provision by emailing help@dcrloans.com within 30 days of first accepting these Terms. Nothing here limits your ability to bring an issue to a government agency. If any part of this Section is unenforceable, the remainder continues to apply.

20. Changes to the Service and These Terms

We may modify, suspend, or discontinue all or part of the Service at any time. We may update these Terms; if we make material changes, we will revise the "Last updated" date and provide notice as required by law. Your continued use after changes take effect means you accept the updated Terms.

21. Your Privacy Rights

Our collection and use of your information are described in our Privacy Policy at https://dcrloans.com/privacy/. Depending on your state, you may have rights to access, correct, and delete your information and to exercise other applicable privacy rights. To exercise these rights, use the in-app Account Deletion steps in Section 17 or contact privacy@dcrloans.com.

22. General; Apple

These Terms and the Privacy Policy are the entire agreement between you and DCR Loans regarding the Service. If any provision is held invalid, the remaining provisions remain in effect. You may not assign these Terms without our consent; we may assign them in connection with a merger or sale of assets.

Apple is not a party to these Terms and is not responsible for the Service. If you obtained the App through the Apple App Store, the Apple Media Services Terms and applicable end user license terms also apply. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.