This Rates & Fees disclosure explains the potential loan and cash advance terms that may be available through DCredit – Cash Advance & Loans, operated by DISF Credit LLC. This page is provided for informational and transparency purposes only and does not constitute a loan offer, approval, or guarantee of terms.
DCredit – Cash Advance & Loans is not a direct lender. The App operates as a loan connection and matching platform that may connect users with independent third-party lenders. All loan terms, rates, fees, and repayment obligations are determined solely by the participating lenders and are subject to applicable federal and state laws.
1) Overview of Available Amounts, APR, and Terms
Loan and cash advance offers available through the App may vary based on lender criteria, state regulations, and individual user qualifications. Typical parameters may include:
Loan Amounts
- Minimum amount: as determined by the lender
- Maximum amount: up to $5,000
Repayment Terms
- Minimum term: 3 months
- Maximum term: 24 months
Annual Percentage Rate (APR)
- APR range: 6.99% to 35.99%
- APR represents the annualized cost of borrowing and may include interest and certain fees, as permitted by law
Not all users will qualify for the lowest rates or maximum amounts. Loan availability, terms, and costs vary based on creditworthiness, income, employment, state of residence, and lender underwriting standards.
2) Informational Rate Overview (Summary Cards)
The following overview is intended to summarize common ranges and does not represent a commitment or guarantee of any specific offer:
Subject to lender approval and state law
Depending on risk factors and lender pricing
Typically between 3 and 24 months
Disclosure: Actual loan terms, including APR, fees, and repayment schedules, are fully disclosed by the lender prior to acceptance. You should carefully review all lender-provided disclosures before agreeing to any financial product.
3) Example Loan Scenarios
The table below provides illustrative examples only to demonstrate how loan amounts, APR, and repayment terms may affect total repayment. These examples are not offers and may not reflect actual terms available to you.
| Loan Amount | APR (Example) | Term Length | Estimated Monthly Payment | Estimated Total Repayment |
|---|---|---|---|---|
| $500 | 28.99% | 6 months | ~$92 | ~$552 |
| $2,000 | 21.99% | 12 months | ~$185 | ~$2,220 |
| $5,000 | 17.99% | 24 months | ~$250 | ~$6,000 |
Important Notes:
- Payments are estimates and may differ based on lender-specific fee structures and payment schedules.
- Some lenders may charge additional fees that increase the total cost of borrowing.
- Your actual offer may include higher or lower APRs and different repayment terms.
4) Fees and Charges
Fees associated with loans or cash advances are determined by third-party lenders and may vary by product and jurisdiction. Possible fees may include, but are not limited to:
Origination Fees
Some lenders charge a one-time origination fee to process a loan. This fee may be deducted from the loan proceeds or added to the loan balance, as disclosed by the lender.
Late Payment Fees
Late fees may apply if a scheduled payment is not received by the due date. The amount and timing of late fees are governed by the lender agreement and applicable law.
Returned Payment or NSF Fees
If a scheduled payment fails due to insufficient funds or incorrect banking information, the lender may assess a returned-payment or non-sufficient funds (NSF) fee.
Expedited or Optional Service Fees
Certain lenders may offer optional services, such as expedited funding, for an additional fee. These services are not required to obtain a loan.
No Hidden Fees: All applicable fees are disclosed before you accept an offer. DISF Credit LLC does not impose additional or hidden fees for using the App.
5) APR Explanation and Key Factors
What APR Means
The Annual Percentage Rate (APR) reflects the total yearly cost of borrowing, including interest and certain lender-imposed fees, expressed as a percentage. APR allows consumers to compare loan costs across different products and lenders.
Factors That Affect APR
Your offered APR may be influenced by several factors, including:
- Credit history and credit profile
- Income and employment status
- Loan amount and repayment term
- Lender risk assessment and underwriting criteria
- State regulatory limits and requirements
Longer repayment terms may result in lower monthly payments but higher total interest costs over time.
6) Tips for Understanding and Managing APR
- Compare offers carefully: Review APR, fees, and total repayment—not just the monthly payment.
- Consider shorter terms when possible: Shorter repayment periods may reduce total interest paid.
- Review disclosures in full: Always read the lender's Truth in Lending disclosures and loan agreement.
- Borrow responsibly: Only request amounts you can reasonably repay within the stated terms.
DCredit – Cash Advance & Loans encourages informed decision-making but does not provide financial advice.
7) No Guarantee of Terms
Submitting a request through the App does not guarantee approval or specific loan terms. All offers are made solely by third-party lenders, and availability may vary based on individual circumstances and applicable law.
8) Regulatory and Legal Disclosures
- Loan terms are subject to federal and state consumer protection laws.
- Certain products may not be available in all states.
- Some lenders may require additional verification before funding.
- Hard credit inquiries, if applicable, require your express authorization.
9) Contact Information
If you have questions regarding this Rates & Fees disclosure, please contact:
DISF Credit LLC
411 Union St
Marshalltown, IA 50158
Email: support@disfcredit.com
Phone: (970) 423-9218