Published policy
Am I eligible?
Every rule is written down here, with the reason for it. Read this before you fill anything in.
The floor
Six rules, and where each comes from
These come with the product, not from a preference. Each one names its source.
You live in Texas
We arrange funding in Texas and nowhere else yet.
Our funding policy
The title is in your name, and it has been issued
The agreement is secured against the title, so only the titleholder can pledge it. If the transfer is still with the county, everything waits for the title to be issued.
How a title-secured agreement works
Any existing claim on the title is dealt with first
An existing lienholder is recorded ahead of us and has to be settled as part of the arrangement. That is common and workable — it is a conversation, not an automatic no.
How a title-secured agreement works
There is income the agreement can be repaid from
We have to see that the agreement is repayable before we arrange it. No regular income means no arrangement, and payments are scheduled around your pay cycle rather than ours.
Our funding policy
Between $2,000 and $50,000, over 1 to 6 months
The published range. The amount depends on the vehicle and your application. Below $2,000 the fixed costs make it a bad deal for you, so we do not offer it.
Our product terms
Your car during the agreement
You keep the vehicle and keep driving it while the agreement is in place. If the payments aren’t made as the agreement says, the vehicle can be repossessed.
How a title-secured agreement works
What stops an application
Six things that stop us
If one of these is true today, the answer is no today, and you should not have to finish the questions to find that out.
The title is in somebody else’s name: Stops us.
The agreement is secured against the title, so the titleholder has to be the applicant. A relative who owns the car can apply themselves; you cannot apply on their title.
The title has not been issued yet: Stops us.
If a transfer is still with the county, there is nothing to secure anything against. It waits until the title exists, and then it is a normal application.
You live outside Texas: Stops us.
We arrange funding in Texas and nowhere else yet. That is the whole map, and no amount of vehicle equity changes it.
There is no income to repay from: Stops us.
We have to see that the agreement is repayable before we arrange it. An arrangement somebody cannot service is not a favor, and we are not permitted to make one.
The amount is outside the published range: Stops us.
Under $2,000 the fixed costs make it a bad deal for you, so we do not offer it. Over $50,000 is the ceiling regardless of the vehicle.
You want longer than 6 months: Stops us.
The maximum term on this product is 6 months. It is deliberately short, because the fee is charged per month and a longer term is simply a more expensive one.
The more useful list
Five things that do not stop us
Most of what keeps people from asking turns out not to matter here. This is the half of the page worth reading twice.
High mileage: Not a problem.
Above 175,000 miles we stop banding by rule and look at the actual vehicle. Plenty of Texas trucks are well past that and still perfectly good security.
Somebody else already has a claim on the title: Not a problem.
An existing lienholder is settled as part of the arrangement. It makes the conversation longer; it does not end it.
Self-employed, gig work or seasonal income: Not a problem.
Variable income is normal. It means we look at the pattern over a few months rather than at one pay stub.
An older vehicle: Not a problem.
Older than 2005 sits outside the automatic bands, so a person reads the file. That is a slower answer, not a worse one.
Your car during the agreement: Not a problem.
You keep the vehicle and keep driving it while the agreement is in place. If the payments aren’t made as the agreement says, the vehicle can be repossessed.
What secures the agreement
This is secured against your vehicle’s title, so the vehicle’s equity is what carries the agreement. We will never run a credit check just to show you a price. What an application does with your credit is being confirmed.
Equity carrying the agreement does not mean there is no assessment. We still have to see that the agreement is repayable, which is the fourth rule above.
How much
What a vehicle can support
Two things shape the ceiling: the vehicle's age and its mileage. Everything below is a policy band, not a valuation. We have not seen your car, and a number that pretends we have is one you would be right to distrust.
Ceilings by vehicle age
Illustrative, not a valuationIllustrative only. These stand in for a vehicle valuation while that feed is being wired, and they are not a valuation of your car. The amount you are actually offered comes from the vehicle itself, after we have seen it.
- 2020 or newer
- Illustrative ceiling for 2020 or newer: $50,000
- 2015 to 2019
- Illustrative ceiling for 2015 to 2019: $35,000
- 2010 to 2014
- Illustrative ceiling for 2010 to 2014: $20,000
- 2005 to 2009
- Illustrative ceiling for 2005 to 2009: $10,000
- Older than 2005
- Illustrative ceiling for Older than 2005: $6,000
Before mileage. Over 125,000 miles this comes down; over 175,000 a person looks at the vehicle instead of a band.
$2,000 to $50,000. The amount depends on the vehicle and your application.
Deliberately short. The fee is charged per month, so a longer term is simply a more expensive one.
from regulatory config
It varies with the term.
from the CAB engine
How long a result from the check is stated to hold. After that, run it again rather than relying on it.
our stated policy
How the annual percentage rate is put together
Paying early
Asked often
The questions people actually ask
Every answer here is a link. Copy one and it lands on the sentence, not the top of the page.
We will never run a credit check just to show you a price. What an application does with your credit is being confirmed. Your answers stay in your browser until you choose to start an application.
You keep the vehicle and keep driving it while the agreement is in place. If the payments aren’t made as the agreement says, the vehicle can be repossessed.
Not automatically. An existing lienholder is recorded ahead of us and has to be settled as part of the arrangement, so it makes the conversation longer rather than ending it. The check marks it for a person to look at.
Not yet. The agreement is secured against the title, so the title has to have been issued before anything can be arranged. Once it is, it is a normal application.
No. Variable income is normal. It means we look at the pattern over a few months rather than at a single pay stub, and the check marks it for a person to read rather than deciding it by rule.
Yes. Above 175,000 miles we stop banding by rule and look at the actual vehicle. High mileage is common in Texas and it is not a disqualifier on its own.
No, and the result page says so on the face of it. It is an indicative structure worked out on the real cost engine, with a stated date after which you should run it again rather than rely on it. An offer comes after an application, once we have seen the vehicle and the title.
Not today. We arrange funding in Texas and nowhere else yet, and no amount of vehicle equity changes that.
Ready to run it against your own answers? Check where I stand. Want the cost first, with nothing asked of you at all? The calculator is here.
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.
See these rules against your own answers.
Seven questions about you and the car.
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.