Questions, answered plainly.

No. DAF Finance LLC is a technology company that operates a loan-comparison app. We show you offers from participating providers and pass your request to the one you choose. We do not fund loans, make credit decisions, service loans or hold any debt. Your loan agreement is with the provider.

A small company registered in Colorado and based at 1520 Stout St, Denver, CO 80202. We make one product, the app Paycheck Advance: DAF Finance. You can reach us at contact-us@daffinance.com.

Nothing. There is no fee to download it, to compare offers or to apply. We are paid by participating providers when you apply with them, which is disclosed in our Advertising Disclosure and does not change the terms you are offered.

No. Paycheck Advance: DAF Finance is available on the App Store for iPhone only. There is no Android version and no web version.

You do not apply in our app; you compare. Enter your phone number and confirm the code, add your name, then set the amount and purpose. The app shows participating providers whose ranges fit. When you tap Apply now on one of them, you move to that provider’s own page, where you see the full terms and complete the application with them.

A mobile phone number that can receive a text message, and your first and last name. Plus the amount and purpose you are looking for. The app does not ask for income, a Social Security number or a bank login. A provider may ask for more once you are on their page.

You can change your first name, last name and phone number at any time from Profile. If you have already applied with a provider, contact that provider to correct what they received.

It means no participating provider currently serves the amount and purpose you entered. You can try a different amount, or come back later as the list changes. No request has been sent anywhere, and nothing has been recorded against you.

A simple income-and-expense tracker built into the app. Add transactions, give them a category, and see the month. It is there so that a loan repayment can sit next to rent and groceries where you can see it. Tracker entries stay on your phone and are not shared with providers.

Every offer in the app falls inside three ranges: $50 to $3,500, 3 to 24 months, and 4.49 % to 35.00 % APR. Each provider sets its own terms inside those ranges and shows them to you before you sign anything.

No. Submitting a request does not guarantee an offer, and not all applicants qualify. Each provider decides on its own criteria. Nothing shown in the app is a pre-approval.

Comparing offers in the app does not involve a credit check. When you apply with a provider, that provider may perform its own inquiry; it will tell you before it does.

By how well they fit the amount and purpose you entered. Compensation from providers may also affect which offers you see and their order. It does not change the terms a provider offers you. Details are in our Advertising Disclosure.

On our Transparency page, which shows a representative example and explains APR, and in the Journal, where the guide on APR walks through two offers side by side.

We collect the minimum needed to match you with providers, store it using industry-standard safeguards, and share it only when you choose a provider and tap Apply. The details are in our Privacy Policy.

Only the provider you apply with, and only when you tap Apply now. We do not sell personal information, and we do not share it with the other providers on the list or with advertisers.

Open Profile and choose Delete account. Delete account removes your profile from our systems. Tracker entries live only on your phone. Information a provider already received is governed by that provider’s policy.

Federal law requires a lender to disclose the APR, finance charge, amount financed and total of payments before you sign, and many states add further protections. Your rights over your personal data, including access and deletion, are described in our Privacy Policy. For a loan you have taken, the provider’s agreement and your state’s law apply.

The loan is with the provider, so payments, balances, extensions and collections are handled by them; their contact details are in your agreement. We cannot change a loan, but if a provider did not match what the app showed or is not responding, tell us. We keep track of what users tell us about each provider and take it into account when we review who appears in the app.

Write to contact-us@daffinance.com with your iOS version and what you tapped before the problem. If you cannot sign in, make sure the phone number you entered can receive text messages.

Within two business days for general questions. Requests about your personal data are answered within 30 days, usually much sooner.

A nonprofit credit counseling agency can talk through your situation for free and, where useful, speak to lenders on your behalf. Our Responsible Lending page lists where to start.