Help center
What are you trying to do?
Organized by the thing you came here for rather than by which department owns it. Use the search box on this page, or Search in the header.
Searches every page, every answer and every action on the site.
Before you apply
Working out whether this is right for you
Getting started
Credit, vehicles, what to have with you, and what actually disqualifies an application.
4 answers
What it will cost
The two charges, who is paid each one, and what it costs at every term we offer.
Am I eligible?
The published policy in full: what we ask for, what stops an application, and what doesn’t.
Your vehicle
How a car is valued, what the ceiling binds to, and a free check for open recalls on your VIN.
Once you have an agreement
Running your account
All of these are things you can finish yourself, from a phone, at eleven at night.
Paying
Make a payment, move a due date, set up autopay, or change the card it comes off.
Settling early
An exact, dated payoff figure. If you pay off early, you won’t pay a penalty.
Documents and statements
Everything ever signed, sent or issued — yours to download, any time.
Your title and its lien
Where your title is, what the lien does, and the ten-day release window once you have paid.
When something goes wrong
The part most companies make hard
None of these routes end in a phone queue. Each one starts a written record with a clock on our side of it.
You cannot make a payment
Tell us before it is late. The hardship route shows the full cost consequence before you accept anything.
Something on your account is wrong
Raise it in writing, with a statutory clock running on our answer rather than on your patience.
You want to complain
To us, and to the Texas regulator. Both routes side by side, neither one buried.
Your data and your privacy
What we hold, who else sees it, how long we keep it, and what you can make us do about it.
When life happens
Written down before you need it
The situations nobody plans for, set out in plain English with every figure read from the same place the agreement reads it.
If a payment is missed
What a returned or late draft costs, in what order things happen, and what to do before the due date rather than after it.
Two names on the title
Joint owners and co-signers: who has to sign, who can ask us questions, and who is told what.
Somebody speaking for you
An authorized contact, a power of attorney, or a person you trust whom we may call — what each one can and cannot do.
Closing your account
What ends when the agreement ends, what we keep and for how long, and how to ask for the rest to go.
When a customer has died
What an executor or family member needs to send us, what happens to the vehicle and the balance, and who to write to.
Or read the whole thing
Three longer-form places to look when a card above is not specific enough.
Not in here? Ask us.
In writing, with the record attached, so nobody has to explain it twice. We answer in writing too, so you have it.
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.