The cost studio

Everything you could want to ask about the cost, in one room

Six tools, no account, no email address, nothing stored. Each one opens on a complete worked answer and keeps its state in the address bar, so you can send any of them to somebody else exactly as you left it.

Pick a question

What are you actually trying to work out?

Every tool below runs on the same published fee schedule, so no two of them can disagree with each other.

The instrument
What does this actually cost me?
Amount in, term in, and the whole decomposition out — what you receive, what each company charges, and the annual percentage rate on top of the page where it belongs.
Open the instrument
Payoff planner
What does paying this off early actually save me?
Choose the month you settle in and see the finance charge up to that month. If you pay off early, you won’t pay a penalty.
Plan a payoff
Extra-payment simulator
If I put an extra $300 in, where does it go?
Both outcomes side by side before you commit a cent — sticking to the schedule, and adding a bit each month. It will also tell you when the extra changes nothing yet.
Try an extra payment
Affordability
What payment actually fits my month?
Start from the payment instead of the amount. This one is willing to tell you that the answer is no, which is the only way the answer means anything when it is yes.
Start from a payment
Amortization ledger
What does each payment actually cover?
Every scheduled payment as an engraved ledger row. Open a row and it splits into the amount advanced, our fee and S2 Funding LLC's interest, to the cent.
Open the ledger
Refinance check
Am I overpaying on the title contract I already have?
Read three figures off your current agreement and see the difference on your own numbers. Sometimes the answer is that you should stay where you are.
Check your paperwork

Before you open anything

Three facts that make all six tools easier to read

Get these straight and the rest of the studio is arithmetic.

The arranging fee

Charged by the month

Charged by Dollar Loans LLC on the amount advanced, by the month. It is the larger of the two charges, and every tool prints both in dollars.

from the published fee schedule

What we write

$2,000 to $50,000

The amount depends on the vehicle and your application.

from our product terms

Settling early

No penalty

If you pay off early, you won’t pay a penalty.

from the disclosure

The annual percentage rate will be printed here once our way of calculating it has been checked.

That first tile is the one worth sitting with. On this product our fee and S2 Funding LLC's interest are both worked out on the amount advanced, and both are charged for every month the agreement runs. A shorter term costs you less in total; each extra month adds its own share of both charges.

The required wording

The disclosure, quoted rather than summarized

Every one of these sentences comes out of our published terms unchanged. If a figure in the studio ever disagreed with this block, this block would be the one that was right.

How the annual percentage rate is put together

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.

Who charges what

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.

Paying early

There is no prepayment penalty.

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.

What we write

$2,000 to $50,000. The amount depends on the vehicle and your application.

Where these figures come from

Every rate, fee and bound in this studio is read from our published terms. Texas credit access business registration: not yet issued. The full fee schedule is on the disclosure page, and the regulator for credit access businesses is the Office of Consumer Credit Commissioner. Wording effective 14 September 2026.

The full schedule with a worked example lives on the disclosure page. If you would rather have somebody read it with you, get in touch — although the entire point of this studio is that you should not have to.

Checkable, not claimable

Four things you can verify without asking us

No star ratings, no funded counters, no customer stories. Each of the four below points somewhere other than this site.

Registration
Texas credit access business registration: not yet issued
Check with the OCCC
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.

We write $2,000 to $50,000 over 1 to 6 months. Everything else on this site is arithmetic on those terms.

The edges

What the tools will refuse to tell you

Every calculator has a boundary. These are ours, stated up front rather than discovered halfway through an application.

Below $2,000
The affordability tool will tell you plainly that this product is not right for you rather than rounding you up to our minimum. 2,000 dollars is the floor, and the payment that reaches it is real money each month.
Beyond 6 months
We do not write longer terms, so the refinance check will say so rather than quietly putting our 6 months next to your longer agreement and calling it a win.
A decision
None of this is an offer or a decision. It is what the published schedule costs. The amount depends on the vehicle and your application, and nothing here pretends to know that yet.
A rule about your income
The affordability tool will not tell you what share of your month a payment should be. We have no basis for a rule like that, and inventing one would be exactly the sort of confident fiction this studio exists to avoid.

Seen enough? The application is next.

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.

Start an application See what it costs

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 Commissioner

Regulator

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.

The cost studio

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 Commissioner

Regulator

Office of Consumer Credit Commissioner
2601 North Lamar Boulevard, Austin, TX 78705

Consumer helpline (800) 538-1579

Fee structure

Annual percentage rate

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.