Help center
Two names on the title
A large share of Texas titles carry two names. Here is what that means for applying and for signing, and the one legal question we would rather tell you we have not answered than guess at.
Our rule
Every named owner signs
The rule
Where the title names more than one owner, we ask every named owner to sign the agreement.
It is the reading that cannot be wrong in the direction that hurts somebody: nobody loses an interest in a vehicle because a person they share it with signed alone.
What each named owner does
- Reads the same disclosures, on the same screen, before anything is signed.
- Signs the agreement electronically, under the same E-SIGN consent.
- Is named on the agreement and on the lien record, exactly as they are named on the title.
The legal question
What “and” and “or” mean between the names
We are not going to state a rule of Texas title law that counsel has not confirmed for us. Our policy above does not depend on it.
What "and" and "or" mean between two names on a Texas title
Texas titles can join two owners with "and" or with "or", and the word chosen affects what one owner can do without the other. We have not had counsel confirm the rule, so this page does not state it. Our policy above does not depend on it.
Authority: Texas Department of Motor Vehicles title rules(opens in a new tab) — Texas Transportation Code ch. 501 and 43 TAC ch. 217 (section numbers UNVERIFIED - counsel to confirm whether an "or" title lets one owner pledge the vehicle alone)
Citation not yet confirmed by counselSource last read 2026-09-15.
What it does not change
The decision, and the other owner’s interest
Two names on the title does not, by itself, decide the application either way.
It changes who has to sign, not what the vehicle supports. The equity and repayment rules are the same as for one name.
We will not take one owner’s signature and treat it as the other’s.
Pledging a vehicle somebody else part-owns, without them, is the kind of thing that ends in a courtroom rather than a payoff letter.
The published rules that do decide an application are on the eligibility page, and every reason a decision can give is on how we decide. When you apply, say at the start that the title carries two names — the application does not yet ask on its own, and we would rather know at the first screen than find it on the title at the last.
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.