Before you apply

Where do I stand?

Seven questions. No documents and no phone call. Answers stay in your browser until you choose to continue.

Seven questions
Answers stay in your browser

Before you start: the six things that stop us

The title is in somebody else’s name
The title has not been issued yet
You live outside Texas
There is no income to repay from
The amount is outside the published range
You want longer than 6 months

The reason behind each one

Step 1 of 7, current: Texas
Step 2 of 7, not yet reached: Title in your name
Step 3 of 7, not yet reached: Other claims
Step 4 of 7, not yet reached: Vehicle year
Step 5 of 7, not yet reached: Mileage
Step 6 of 7, not yet reached: Income rhythm
Step 7 of 7, not yet reached: Amount

Six questions left.

Question 1 of 7Do you live in Texas?Texas only. Nowhere else yet.

Yes, I live in TexasNo, somewhere else

Why we ask

We arrange funding in Texas and nowhere else yet, so Texas is the only place we can arrange it. If you are somewhere else, this is the first thing worth knowing.

Your answers stay in this tab. Nothing is sent to us until you decide to continue from the result.

What we have checked (0 of 7)

What we have checked

Nothing yet. Each answer will be listed here the moment you give it, with where it puts you and why.

0 of 7 answered. Nothing on this page has been sent to us.

Plainly

What this is, and what it is not

A check like this is often a sign-up form in disguise. This one is not, and here is exactly what happens.

It is a checklist

Seven published rules, run against your answers. You can read every rule before you start and argue with any ruling afterwards.

It is real arithmetic

The cost figures at the end are an example worked out from the published fee schedule, not an offer.

It is not an offer

An offer comes after an application, after we have seen the vehicle and the title. The result page says so on the face of it, with a date it stops being current.

Your credit

We will never run a credit check just to show you a price.

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.

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.

Prefer to skip the questions and go straight to the arithmetic? The calculator asks you nothing at all. Want the rules in full? They are published here.

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.

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.

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

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.