DAF Finance
Show the ranges first.
Offers through DAF Finance range from $50 to $3,500, with repayment terms from 3 to 24 months and APRs from 4.49% to 35.00%. We display these ranges and a representative example before you share any details with Lenders.
Effective: November 3, 2026
Responsible Lending
A loan or paycheck advance can bridge a gap between paydays, but it is a commitment you will repay with interest. DAF Finance LLC ("DAF Finance") is a loan-matching platform, not a lender. This page explains what we do to support responsible borrowing and what you can do before you accept an offer.
What we do
Set limits for Lenders.
We do not work with Lenders that require full repayment in 60 days or less or that charge more than 35.00% APR, including all fees.
Stay free and pressure-free.
DAF Finance never charges you, and you can close the App at any point without accepting an offer.
Help you see the full picture.
Your finances lets you record income and expenses so you can see what you can afford before you borrow.
Before you borrow
1
Check your budget.
Look at your income and expenses for the month in Your finances and make sure the payment fits with room to spare.
2
Borrow only what you need.
A smaller amount means smaller payments and less interest.
3
Compare the total cost.
APR includes interest and certain fees. Look at the total of payments, not only the monthly amount.
4
Think about the term.
A longer term lowers each payment but usually increases the total interest you pay.
5
Read the loan agreement.
Check the APR, finance charge, total of payments, due dates, late fees and whether you can repay early without a penalty.
How the term changes the cost
A $1,500 loan at 29.99% APR repaid over 12 months has monthly payments of $146.22 and costs $254.68 in interest. Repaid over 24 months, the payment drops to $83.86, but the interest rises to $512.68, roughly twice as much. These figures are illustrations, not offers.
$1,500 at 29.99% APR
12 months
24 months
Monthly payment
$146.22
$83.86
Total interest
$254.68
$512.68
Figures from the paragraph. Illustrations, not offers.
If you have trouble paying
Contact your Lender as soon as you think you may miss a payment. Many Lenders can move a due date or set up a payment plan. Late or missed payments may lead to late or returned-payment fees, collection activity and negative reports to credit bureaus. Lenders and collectors must follow federal and state debt collection laws and may not harass or mislead you.
Renewals and repeat borrowing
Renewing, extending or refinancing a loan can add fees and interest. If you find yourself borrowing again to repay an earlier loan, pause and look at other options first. Short-term borrowing is not a long-term financial solution.
Where to get help
A nonprofit credit counselor can help you build a budget and manage debt; you can find one through the National Foundation for Credit Counseling at nfcc.org. To file a complaint about a Lender, contact the Lender first, then the Consumer Financial Protection Bureau at consumerfinance.gov or your state's financial regulator. Questions about DAF Finance can be sent to contact-us@daffinance.com.
Credit counseling
National Foundation for Credit Counseling
nfcc.org
Complaints
Consumer Financial Protection Bureau
consumerfinance.gov
Questions about DAF Finance
contact-us@daffinance.com
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