The cost studio
What it costs
Working out your figures
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Printed from dollarloanz.com/calculator. Dollar Loans LLC d/b/a Dollar Loanz.
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Before you give us a name
Set two numbers and the whole thing comes apart in front of you — what you receive, what each company charges, and what it all costs. No sign-up and no email. We will never run a credit check just to show you a price.
The instrument
It opens on a complete, correct answer rather than an empty box. Change either number and every figure below moves with it — instantly, and without a single digit rolling on its way to the truth.
It counts S2 Funding LLC's interest and our fee.
An example, not an offer. The figures in an offer depend on the vehicle and your application.
The annual percentage rate will be printed here once our way of calculating it has been checked. The dollar figures above are this example's cost.
Payment · 4 months
Set your two numbers
What you can be advanced depends on the equity in your vehicle. Drag for a feel, then type the exact figure.
Anything from $2,000 to $50,000. The slider moves in $500 steps; this field does not.
Nothing here is stored, sent anywhere or attached to you. The figure lives in this page's address so you can send the quote to somebody else exactly as you left it.
What that means, line by line
What it costs, and who charges it
To see this example again, go to dollarloanz.com/calculator?amount=8000&term=4.
A shorter term costs less in total and more each month. Each extra month adds its own share of both charges, so the finance charge grows with the term.
Every tool below opens with $8,000 over 4 months already in it.
Two companies, two charges
Texas vehicle title funding is a two-part arrangement, and almost every complaint about the product starts with somebody not being told that.
The Credit Access Business
Dollar Loans LLC
That is us. We arrange the funding and charge an arranging fee, worked out on the amount advanced, for each month the agreement runs. This is the larger of the two charges by a wide margin, and it is the charge that any rate quoting only S2 Funding LLC’s interest leaves out entirely.
Texas credit access business registration: not yet issued. The regulator is the Office of Consumer Credit Commissioner.
The lender of record
S2 Funding LLC
They advance the money and charge interest on the amount advanced, for the whole term. It is the smaller of the two charges, and on its own it is not the cost of this transaction.
Add the two charges together and you get the finance charge in the calculator above.
How the annual percentage rate is put together
Who charges what
Paying early
Your right to cancel
Where these figures come from
The full published fee schedule, with a worked example, is on the disclosure page. Every figure on this page is generated from that same schedule — not typed in alongside it.
The cost studio
Each one opens with your figures already in it. None of them needs an account, an email address or a phone number.
Checkable, not claimable
No star ratings, no funded counters, no customer stories. Facts with a regulator's database behind them are a stronger argument than an average anyway.
The fee, stated in advance
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.
You can change your mind
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.
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.
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
$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.