Help center
When the person on the agreement has died
We are sorry you are reading this. Here is who can talk to us, what helps, what happens to the agreement and the vehicle, and what we will not do while things are settled — written so you can read it once.
One message is enough to start. Put the subject tag on it and it goes to a person rather than a queue; you get a case number in writing within 1 business day, and the same person stays on it.
- Subject tag
- BEREAVEMENT
- Phone
- (833) 404-5626
Who
Who can contact us
You do not need paperwork to tell us. Paperwork is for acting on the account, not for being listened to.
The executor or administrator of the estate
The person a court, or the will, has put in charge. Once we have seen their authority they can act on the account.
Next of kin, or whoever is dealing with things
You do not need paperwork to tell us somebody has died, or to ask what happens next. We will talk to you, note the account, and stop routine contact.
A co-owner of the vehicle, or a second signer
If your name is on the agreement or on the title, you are a party to it in your own right and the account is yours to discuss.
What helps
What we ask for
Asked for, in the order they are useful. None of them is a condition of talking to us.
A copy of the death certificate
It is what lets us mark the account formally rather than on a phone call. A photograph from your phone is fine.
Proof of who is dealing with the estate, if there is any yet
Letters testamentary, letters of administration or a small-estate affidavit, where one exists. If probate has not started, tell us that and we will note it.
A way to reach you
So that every notice about the account goes to a living person who asked for it, and not to an inbox nobody opens.
The agreement and the vehicle
What happens to the agreement and the lien
The agreement does not end on death
In general the balance owed under the agreement becomes a matter for the estate, and the lien on the vehicle stays on the title until the balance is settled or the vehicle is dealt with. How that is presented and paid is a question for the person administering the estate and, where needed, for counsel. A relative who did not sign the agreement does not owe it personally.
Authority: Texas Estates Code (claims against an estate); the agreement itself(opens in a new tab) — Tex. Estates Code (section number UNVERIFIED - counsel to confirm how a secured claim is presented and paid from an estate)
Citation not yet confirmed by counselSource last read 2026-09-15.
The fee and the interest
We have not published a pause on the fee or the interest while an estate is settled. If one is agreed for a particular account it is written on the case, with dates, and this page will not imply one that is not.
How a lien is released once the balance is settled, and the statutory clock on it, is on the title and lien page. What the law provides if a balance is not settled is published in full on the repossession page, and the commitment below sits on top of it.
Our side
What we will not do while the estate is settled
We will not ask a relative to pay a balance they did not sign for.
Somebody who did not sign the agreement does not owe it. We say that plainly, in writing, the first time we speak to them.
Routine contact stops the day we are told.
Payment reminders, marketing, anything automatic. What continues is the written notice the agreement or the law requires, and it goes to the person who asked to receive it.
Nothing is done with the vehicle without writing to the estate contact first.
A person handling an estate should never learn about a decision on the vehicle from a tow truck. The repossession page sets out what the law provides; this commitment sits on top of it.
One named person at our end, and a case number, for the whole of it.
Nobody should have to explain a death twice to the same company.
If we get any of this wrong
How to complain
The ladder ends outside the building, and using it changes nothing about how the account is handled.
Rung 1 of 3
Tell us
Handled by the servicing team
Write it down once, here. You get a case number on the screen and a copy by email, and it is tracked from that moment whether or not anyone answers the phone. Most things end at this rung, usually because they were a misunderstanding about a date or a figure.
5 business daysa named person replies to your complaintOur commitment
Rung 2 of 3
Escalate it inside the company
Handled by the compliance officer
Not happy with the answer? Say so on the case and it moves to a review by someone who was not involved the first time. You do not have to re-explain anything — the whole history moves with it. You will be told what the reviewer decided and why, in writing.
15 business daysthe escalation review closesOur commitment
Rung 3 of 3
Go over our heads
Handled by the regulator, and the federal consumer bureau
You never have to finish with us first, and using this rung costs you nothing and changes nothing about how we treat your agreement. The Texas Office of Consumer Credit Commissioner examines credit access businesses and takes complaints about us directly. The federal Consumer Financial Protection Bureau takes them too. Texas credit access business registration: not yet issued.
Complain to the Office of Consumer Credit Commissioner(opens in a new tab)Complain to the CFPB(opens in a new tab)A federal agency. Nothing to do with us, which is the point.
Free help that is not us
- Dial 2-1-1 anywhere in Texas for local help. It is a public service and has nothing to do with us.
- The independent advice directory, including services that would happily replace us, is on the complaint page.
This wording was last reviewed on . It moves when the wording moves, and never before.
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.