Terms of Use

These Terms of Use govern your use of DCR Loans: Cash Advance App and explain your rights, responsibilities, and legally binding authorization to collection and sale of your personal information.

Effective Date: May 4, 2026

1. Introduction

DCR Loans LLC operates DCR Loans: Cash Advance App as a loan-matching and lead-generation platform. We are not a lender, do not set rates, do not make underwriting decisions, and do not guarantee that any user will receive an offer.

Our core model is to collect user-submitted personal and financial information, package that information into a consumer lead, and sell that lead to third-party lenders and marketing partners that may contact you with offers.

By using the App, you agree to these Terms, our Privacy Policy, and the collection and sale of data as described in these Terms and the Privacy Policy.

2. Loan Terms: APR, Repayment, and Fees

2a. APR Range

Offers obtained through the App may vary significantly. Example APR range: 5.99% APR to 35.99% APR, based on credit profile, requested amount, loan duration, lender underwriting, and applicable state law.

Short-term or payday-style products may carry higher effective APRs. Final APR is disclosed by the lender before you accept any offer.

2b. Repayment Terms

Repayment periods typically range from 3 months to 60 months depending on product and lender. Example: a $2,000 installment loan at 24% APR over 12 months is approximately $189 per month. Your final schedule is presented before acceptance.

2c. Payment Frequency and Methods

Payment schedules may be weekly, biweekly, semi-monthly, or monthly. Lenders commonly use ACH debit from your designated bank account. You are responsible for maintaining sufficient funds on due dates.

Returned payment fees may apply, typically in the range of $15-$35 per returned item depending on lender terms and state law.

2d. Fees

Possible lender fees can include origination fees (example 1%-8%), late fees (example $15-$30 or 5% of the payment, whichever is less, subject to law), and NSF/returned payment fees. Fees are disclosed before acceptance and are not hidden.

2e. Early Repayment

Many lenders allow early payoff without penalty, but you must confirm this in the lender's own agreement.

2f. Cost Disclosure

Before accepting any offer, you should receive a TILA-compliant disclosure stating APR, finance charge, total of payments, payment schedule, and applicable fees.

3. Eligibility and Requirements

To use the App, you must be at least 18 years old (or the age of majority in your state), be a lawful U.S. resident, have legal capacity to enter contracts, have a valid SSN or ITIN, maintain an active U.S. checking account, and have a verifiable income source.

You must provide complete and accurate information, including:

  • Full legal name (first, middle, last)
  • Date of birth
  • Email address
  • Phone number (mobile and/or home)
  • Full residential address including street, city, state, and ZIP code
  • Social Security Number (SSN)
  • Driver's license number and issuing state
  • Bank account number (full account number)
  • Bank routing number
  • Bank name and account type
  • Employer name and employer phone number
  • Employment status, job title, and income (monthly or annual gross)
  • Source of income
  • Purpose of the loan or cash advance request

The App may be used only for lawful personal, non-commercial purposes.

Critical Authorization

4. Express Authorization to Collect and Sell Data

By submitting an application through the App, you expressly authorize DCR Loans LLC to collect all categories of information listed in Section 3 and in our Privacy Policy.

You further expressly authorize DCR Loans LLC to sell and transfer your personal and financial information, including SSN, driver's license number, full bank account number, routing number, employer phone, income details, and loan purpose, to third-party lenders, financial institutions, marketing companies, data aggregators, and other data buyers.

You authorize us to receive compensation, including per-lead fees, monetary consideration, revenue share, and similar commercial value, in exchange for data sale and transfer. You also authorize buyer outreach via phone, email, and SMS for financial and non-financial offers, subject to your opt-out rights under our Privacy Policy.

You authorize data sharing with identity verification vendors, fraud prevention providers, and credit-reporting related services where applicable.

You may opt out of future data sales at any time by contacting privacy@dcrloans.com. Data already sold cannot be recalled from third-party buyer systems.

5. What the App Does and Does Not Do

  • We match users with potential lenders by selling consumer lead data.
  • We do not issue loans, set rates, make approval decisions, or guarantee offers.
  • All credit contracts are between you and the selected lender; DCR Loans LLC is not a party to those contracts.
  • You should review each lender's terms and privacy policy before accepting an offer.

6. Account Creation and Security

You must keep account and application information accurate and current. You are responsible for all activity occurring under your credentials and for protecting account access.

Notify us immediately at help@dcrloans.com if you suspect unauthorized access. We may verify identity and suspend accounts for fraud, abuse, or policy violations.

7. Electronic Communications and E-Sign

You consent to receive electronic communications, including email, SMS (including one-time passcodes), in-app notices, and disclosures from DCR Loans LLC and participating partners. Electronic signatures and records are treated as legally valid under the E-SIGN Act.

Because this is a lead-generation service, your authorization to data sale includes consent to contact by buyers through phone and SMS regarding offers; this is a material term of service.

To withdraw e-consent, contact help@dcrloans.com. Withdrawing consent may limit or disable App functionality.

8. Fees and Our Compensation

The App is free for consumers to download and use. DCR Loans LLC earns revenue by selling lead data to third parties through models such as CPL (cost per lead), CPA (cost per acquisition), per-lead fees, revenue share, and similar commercial arrangements.

Compensation structure may influence partner routing order, which recipients receive lead data first, and how offers are prioritized or displayed. This model is disclosed to align with FTC expectations and CCPA/CPRA "sale" disclosure requirements.

9. Permitted Use and Prohibited Activities

You may not:

  • Use the App for unlawful, fraudulent, deceptive, or misleading purposes
  • Submit false, fabricated, or inaccurate personal or financial information
  • Interfere with App security, integrity, or infrastructure
  • Use bots or automated systems without prior written permission
  • Transmit malware, malicious scripts, or harmful code
  • Reverse engineer, decompile, or attempt to extract source code
  • Copy, republish, or distribute App content without authorization
  • Impersonate any person or legal entity

10. Third-Party Sites and Providers

Lenders, buyers, and external service providers operate under their own legal terms and privacy policies. DCR Loans LLC is not responsible for third-party approvals, denials, rates, fees, loan servicing, or downstream use of data after sale. Review each third party's privacy policy before engaging.

11. Intellectual Property

All App software, content, trademarks, branding, interfaces, and technology are owned by DCR Loans LLC or its licensors. You receive a limited, revocable, non-exclusive, non-transferable license for personal non-commercial use only.

12. User Feedback

If you submit ideas, suggestions, or feedback, you grant DCR Loans LLC a worldwide, royalty-free, irrevocable, perpetual license to use, modify, publish, and incorporate that feedback without compensation or restriction.

13. Disclaimers

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, DCR LOANS LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. DCR LOANS LLC IS NOT A LENDER, DOES NOT GUARANTEE ANY OFFER, AND MAKES NO REPRESENTATION REGARDING THE ACCURACY, COMPLETENESS, OR SUITABILITY OF OFFERS PRESENTED BY THIRD-PARTY BUYERS OR LENDERS.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DCR LOANS LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, DATA SALE ACTIVITIES, OR THIRD-PARTY BUYER CONDUCT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. DCR LOANS LLC'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE APP WILL NOT EXCEED USD $100. SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

15. Indemnification

You agree to defend, indemnify, and hold harmless DCR Loans LLC and its affiliates from claims, liabilities, losses, damages, and costs (including reasonable attorneys' fees) resulting from your misuse of the App, violation of these Terms or applicable law, submission of false data, or infringement of third-party rights.

16. Governing Law and Dispute Resolution

16a. Governing Law

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

16b. Binding Individual Arbitration

Any dispute arising from these Terms or your App use will be resolved by binding individual arbitration under the Federal Arbitration Act (FAA). Class, collective, and representative actions are waived. The arbitrator may not consolidate claims of multiple users.

16c. Informal Resolution First

Before arbitration, you must provide a written dispute notice and allow 30 days for informal resolution by contacting help@dcrloans.com.

16d. Exceptions

Either party may seek injunctive or equitable relief for intellectual property misuse in state or federal courts located in Colorado.

17. Service Changes and Availability

We may modify, suspend, restrict, or discontinue App features, integrations, or availability at any time, with or without notice.

18. Termination

We may suspend or terminate access for Terms violations, fraud, abuse, harmful behavior, or legal risk. Sections concerning intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution survive termination.

19. Changes to These Terms

We may update these Terms periodically. The Effective Date will be revised with each update. Material changes may be communicated through in-app notice and/or email. Continued use after an update constitutes acceptance of revised Terms.

20. Apple-Related Terms (iOS Users)

  • This agreement is between you and DCR Loans LLC only, not Apple Inc.
  • Apple is not a party to these Terms and has no obligation to provide support or maintenance for the App.
  • Apple has no responsibility for product liability claims, regulatory compliance claims, or consumer protection claims related to the App.
  • DCR Loans LLC is solely responsible for investigation, defense, and resolution of any intellectual property infringement claim related to the App.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce these Terms against you upon acceptance.
  • Your use of the App must comply with App Store Terms and Apple Media Services Usage Rules.