Help center
Closing your account
What happens after the last payment, what we keep because the law says so, what stops, and what you can take with you. There is no offer at the bottom of this page.
The steps
From the last payment to the end
The balance reaches zero
Either on the last scheduled payment or on a payoff figure you asked for. If you pay off early, you won’t pay a penalty.
The lien is released
The lienholder has a statutory window to discharge the lien once the payoff is tendered. The title page shows the clock, the evidence, and who to complain to if it runs over.
Your account stays open, read-only
Every document ever signed, sent or issued stays downloadable. Nothing new can be started from it, and nothing on it tries to sell you anything.
The records age out on the statutory schedule
What we keep and for how long is set by law, not by us, and it is published category by category on the security page.
Paying early
There is no prepayment penalty.
The lien-release clock, and who to complain to if it runs over, is on the title and lien page.
Your data
What we keep, and for how long
By category, read from the same register the security page renders. Nothing here is typed twice.
Retention by category
- About youYour name, date of birth, address, email and phone number.
- 7 years after the agreement closes, as the law requires.
- Your financesBank account details, income and employment information.
- 7 years after the agreement closes.
- Your vehicleThe VIN, the title, photographs, mileage and its condition.
- 7 years after the lien is released.
- Your documentsPhotographs of your title, your driver’s license and your insurance.
- Kept while the agreement runs. Superseded versions — a license you replaced, a photo you retook — are removed.
- How you used the siteYour device, browser and the pages you opened while logged in.
- Short — measured in weeks, not years.
Why each category exists and who else sees it is on the security page.
What you can do
Stop all contact, and take your file with you
Stop all contact
Every kind of message has its own switch in your notification settings, and the unsubscribe page works without logging in. What continues is only what the law requires, and it says so on that page.
Get your whole file
Everything we hold, exported, and a deletion request for everything the retention schedule above does not make us keep — both from the data request pagein your account.
The last thing
What we will not do at the end
We will not pitch you a new agreement at the moment you finish this one.
Rolling one agreement into the next is the dynamic this product is known for and the one we refuse. If you ever want to apply again, the application is where it always was.
Finishing well does not buy you a different rate.
There is no ladder and no loyalty tier. The published schedule is the schedule, for a first agreement and a fifth.
A closed account does not become a marketing lead.
The only messages a closed account gets are the ones the law requires — a tax form, a notice about your data. Everything else is off unless you turn it on.
That is the whole of it. Thank you for reading the long version, and for finishing.
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.