How it works, start to finish
You see the price first. Next, you show us the car, its insurance and your documents. After that, the decision comes to you in writing.
Check where I stand
They are not a decision. Only an application gets a decision, and it comes to you in writing.
What to photograph
A photograph works for each one.
- Vehicle title
- Photo ID
- Insurance
- Proof of income
- Odometer
- VIN plate
The vehicle
You enter the plate. You do not type the year, make, or model. Where the inspection happens is being confirmed.
A decision, in writing
Not every application receives an offer. You get the decision in writing. If there is no offer, the notice gives the reasons, or how to ask for them.
Read the offer, if there is one
You see the amount advanced, the fee, the total cost, and the due date. Nothing is owed until you sign.
The amount advanced is released
S2 Funding LLC, lender of record releases the amount advanced once you sign. A turnaround time is being confirmed. You keep the vehicle and keep driving it while the agreement is in place. If the payments aren’t made as the agreement says, the vehicle can be repossessed.
The application is ready when you are.
Have your title, your insurance card and a document that shows your income nearby.
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.