This page provides important legal disclosures regarding the operation, scope, and limitations of the DCredit – Cash Advance & Loans application (the "App"), which is operated by DISF Credit LLC ("we," "us," or "our"). Please read this page carefully before using the App.
Your access to and use of the App constitutes acknowledgment of and agreement with the disclosures set forth below.
1. About DCredit – Cash Advance & Loans
DCredit – Cash Advance & Loans is a loan-matching and financial connection platform operated by DISF Credit LLC, a registered credit services organization. The App is designed to assist users in exploring potential cash advance or loan options offered by independent third-party lenders.
DISF Credit LLC is not a lender, creditor, or financial institution and does not provide loans, cash advances, or credit products directly. We do not make credit decisions, set loan terms, determine eligibility, or fund any loans.
Our role is strictly limited to facilitating connections between users and participating third-party lenders based on information submitted by the user.
2. No Loan Guarantee or Credit Approval
Submitting information through the App does not constitute a loan application with DISF Credit LLC and does not guarantee approval, funding, or receipt of any loan or cash advance.
All loan requests are subject to:
- Independent review by third-party lenders
- Lender underwriting criteria
- Applicable state and federal laws
Not all applicants will qualify. Lenders may approve, deny, or offer alternative terms at their sole discretion.
3. Loan Terms, Rates, and Fees Determined by Lenders
All loan-related terms, including but not limited to:
- Interest rates and APR
- Loan amounts
- Repayment schedules
- Fees and charges
- Payment methods
- Penalties or late fees
are determined solely by the third-party lender, not by DISF Credit LLC.
DCredit – Cash Advance & Loans does not negotiate, modify, or control lender offers and does not guarantee that any displayed terms are the lowest or most favorable available.
4. Funding and Approval Timing
Approval times and funding timelines vary by lender and are dependent on multiple factors, including:
- Accuracy and completeness of submitted information
- Verification requirements
- Lender processing schedules
- Banking institution processing times
Some lenders may offer same-day or next-business-day funding for approved requests, while others may require additional time. DISF Credit LLC does not control funding speed or guarantee any specific funding timeframe.
5. State Licensing and Availability
DISF Credit LLC operates in accordance with applicable state and federal regulations governing credit services organizations.
Loan availability, permitted loan amounts, APR ranges, and repayment terms may vary by state due to licensing restrictions and local laws. Certain products or services may not be available in all jurisdictions.
Users are responsible for confirming that loan products are legally available in their state of residence.
6. Responsible Borrowing Disclosure
Short-term loans and cash advances can be expensive and may not be suitable for all consumers. Before applying, you should carefully consider your financial situation and your ability to repay the loan according to the lender's terms.
Failure to repay on time may result in:
- Additional fees or penalties
- Increased total cost of borrowing
- Negative impact on your credit profile
We encourage users to borrow responsibly and only when necessary.
7. Credit Impact Disclosure
Certain actions taken by third-party lenders, including credit inquiries or account reporting, may affect your credit score. DISF Credit LLC does not control whether a lender conducts a soft or hard credit inquiry.
You are encouraged to review each lender's disclosures carefully before accepting any offer.
8. No Financial Advice Disclaimer
Information provided through the App, including educational content or general financial information, is for informational purposes only and does not constitute financial, legal, or credit advice.
You should consult a qualified financial or legal professional before making decisions regarding loans or credit products.
9. Limitation of Responsibility
DISF Credit LLC is not responsible for:
- Lender decisions or actions
- Loan servicing, collection, or repayment issues
- Disputes between users and lenders
- Errors or omissions in lender-provided information
Any loan agreement entered into is solely between you and the lender.
10. Governing Documents
Use of the App is subject to and governed by our:
These documents collectively define your rights and obligations when using DCredit – Cash Advance & Loans.
11. Contact Information
For questions regarding these disclosures, contact:
DISF Credit LLC
411 Union St
Marshalltown, IA 50158
Email: support@disfcredit.com
Phone: (970) 423-9218