Guides
Everything we would tell you if you asked
No newsletter, no thought leadership, no posts with a date on them to look busy. Just the explanations, written once and kept current.
Start here
Understanding the thing
Six explanations of how vehicle title funding works in Texas, and of the two companies you are actually dealing with.
How title funding works
The whole path from first question to money landing, including the parts that are not flattering.
Read itWhat a Texas Credit Access Business is
Two companies sit behind this brand. Dollar Loans LLC arranges your agreement, and S2 Funding LLC, lender of record, advances the funds. Who charges what, and the regulator that oversees both.
Read itYour title and the lien on it
What a lien actually is, what it is not, what happens to your physical title, and the ten-day window we have to release it once you have paid.
Read itAm I eligible?
The published policy in full: what we ask for, what stops an application, and what doesn’t.
Read itCredit reporting and your rights
What a furnisher is, what we have and have not published about our own reporting, and how to dispute something with a 30-day statutory clock on it.
Read itYour car, as a product
How a vehicle is valued, what the ceiling actually binds to, and why the number on a valuation site is not the number that matters here.
Read it
Then the arithmetic
Working out what it costs you
Our margin, our fee schedule, our guarantees and the tools to run your own figures against all three.
How we make money
Who is paid what on each agreement, with three worked examples: the company that advances the funds earns the interest, and we earn our fee.
Read itThe fee schedule
Every charge on an agreement, in one document — two of them — with who is paid each, how each is worked out, and what it costs at every term.
Read itThe cost studio
Six tools: the full cost instrument, the payoff planner, the extra-payment simulator, the affordability check, the ledger and the refinance check.
Read itWhat we guarantee
Each commitment we make in writing, shown next to the clause of the agreement that gives it to you.
Read itFree open recall check
Open manufacturer recalls against your VIN. Free, and free whether you ever apply to us or not.
Read itEverything we claim, with dates on it
The Trust Center: every claim this company makes about itself, each with a status and the date it was last checked.
Read it
Still not answered?
Two more places to look, and a way to write to us if neither has it.
The price is on the calculator. Your name starts the application.
Who you are dealing with, and what it costs
- Dollar Loans LLCCredit Access Business
- Arranges the funding and charges the Credit Access Business fee, worked out on the amount advanced for each month the agreement runs.
- S2 Funding LLCLender of record
- Advances the funds and charges interest on the amount advanced, for the whole term. That interest is S2 Funding LLC's part only, and it is not the total cost of credit.
Registration status
Texas credit access business registration: not yet issued
Check our registration status with the Office of Consumer Credit CommissionerRegulator
Office of Consumer Credit Commissioner
2601 North Lamar Boulevard, Austin, TX 78705
Consumer helpline (800) 538-1579
- Fee structure
- An arranging fee for each month the agreement runs, charged by Dollar Loans LLC, plus interest for the whole term, charged by S2 Funding LLC, both worked out on the amount advanced. Each is shown in dollars before you sign.
- Annual percentage rate
- The annual percentage rate counts our fee and S2 Funding LLC's interest as one yearly figure, worked out by the actuarial method Regulation Z sets out. Until our way of calculating it has been checked, this site prints the dollar figures and leaves the rate out. S2 Funding LLC's interest on its own is not the cost of this agreement.
- Your right to cancel
- You may cancel by midnight of the third calendar day after you sign, at no cost. You return the amount advanced and owe nothing further.
- Paying early
- There is no prepayment penalty.
$2,000 to $50,000. The amount depends on the vehicle and your application. Full fee schedule at /occc. These disclosures are effective September 14, 2026.