Help center
If a payment is missed or a draft comes back
Read this before you authorize a draft you are not sure about, not after. It says what happens, what it costs according to the published schedule, and the one route that stops it becoming a pattern.
If this month is the problem, start here
The hardship request shows you the cost consequence of each option before you accept one, and asking is not held against you. It works best before the date, and it still works after it.
The process
What happens when a draft fails
Four steps, none of them a surprise.
The draft comes back
Your bank or card issuer refuses it — not enough in the account, a card that expired, a block on the account. We find out the same way you do: after the fact.
We tell you, in writing
A message to the email on your account says which payment it was, the amount, and what you can do about it. We do not try the draft again without telling you first.
You choose how to catch it up
Pay another way from your account, move the date if the schedule allows it, or — if this month is the problem and not just this Tuesday — start a hardship request before it becomes a pattern.
The agreement continues
The fee and the interest keep accruing on the balance the way they always did. One failed draft does not, on its own, change your rate, your term or your schedule.
We tell you a draft failed
1 business day. In writing, to the email on your account, before anything is tried again. This is our own published standard, not a statutory right: Our published servicing standard.
The money
What it costs
Every figure here is a config read. The ones that say “not published” are blank on purpose.
Blank on purpose rather than guessed at.
reviewed 2026-09-15
Blank on purpose rather than guessed at.
reviewed 2026-09-15
Blank on purpose rather than guessed at.
reviewed 2026-09-15
The published fee schedule
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.
The published fee schedule has two lines — the Credit Access Business fee charged by Dollar Loans LLC and the interest charged by S2 Funding LLC — and no third line. There is no late charge on it. What a missed payment costs is what the agreement already charges — the fee and the interest keep running on the balance until it is paid — and nothing on top that is not on the schedule.
Your agreement sets out the date each payment is due and what happens if it is not made by then. We have not published a separate grace period, and we will not imply one here.
The whole schedule, both lines, is on the fee schedule page.
Our side
What we will not do
We will not re-run a failed draft without telling you first.
A second surprise draft is how one bounced payment turns into three bank charges. You hear from us before we try again.
We will not add a charge the published schedule does not carry.
The two-line schedule is a published guarantee. A late fee that appears only when you are late is exactly the kind of line it rules out.
Telling us early is never held against you.
A hardship request is not a default and is not treated as one. It is the thing that exists to stop the default.
Your credit file
What we report
What we have and have not published
We have not published which consumer reporting agencies this agreement is furnished to, and this page does not guess. What we can say is what any furnisher can: what gets reported is what happened to the account, and a request for help is not something that happened to the account.
Including how to dispute anything, on a statutory clock.
Read it before you need it, with the hardship route bolted to the top.
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.