Published policy
How we decide
Explaining a decline afterwards goes with publishing the criteria before you apply. Here they are, with every reason a decision can give and what would actually change it.
What we look at
The rules, and where each one comes from
Read from the same published policy the eligibility page renders, so the two pages cannot disagree.
- You live in TexasWe arrange funding in Texas and nowhere else yet.
- Our funding policy
- The title is in your name, and it has been issuedThe agreement is secured against the title, so only the titleholder can pledge it. If the transfer is still with the county, everything waits for the title to be issued.
- How a title-secured agreement works
- Any existing claim on the title is dealt with firstAn existing lienholder is recorded ahead of us and has to be settled as part of the arrangement. That is common and workable — it is a conversation, not an automatic no.
- How a title-secured agreement works
- There is income the agreement can be repaid fromWe have to see that the agreement is repayable before we arrange it. No regular income means no arrangement, and payments are scheduled around your pay cycle rather than ours.
- Our funding policy
- Between $2,000 and $50,000, over 1 to 6 monthsThe published range. The amount depends on the vehicle and your application. Below $2,000 the fixed costs make it a bad deal for you, so we do not offer it.
- Our product terms
- Your car during the agreementYou 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.
- How a title-secured agreement works
The annual percentage rate will be printed here once our way of calculating it has been checked.
The six things that stop us, and the six that do not, are on the eligibility page.
The two ceilings
Why an amount comes back lower than you asked
Quoted from the same wording a counter-offer carries, not restated.
The amount is lower because the vehicle’s equity sets the ceiling, not us.
We cap an advance at 70% of the vehicle’s retail value, following the unified municipal ordinance for Credit Access Businesses.
The amount is lower because your verified gross annual income sets the ceiling.
We cap an advance at 3% of gross annual income, following the unified municipal ordinance for Credit Access Businesses.
The term is shorter than you asked for, which lowers the total cost of credit.
The fee accrues per month, so fewer months means a smaller finance charge.
What we do not do
We will never run a credit check just to show you a price.
What secures the agreement
This is secured against your vehicle’s title, so the vehicle’s equity is what carries the agreement. What an application does with your credit is being confirmed.
Equity carrying the agreement does not mean there is no assessment: we still have to see that the agreement is repayable, which is one of the rules above.
Every reason
Every reason a decision can give
The same vocabulary the written notice uses, so the letter and this page say the same thing. Each carries what would actually change the answer — never a promise that it would.
The vehicle does not carry enough equity to support the amount you asked for. We cap an advance at 70% of the vehicle’s retail value, following a city ordinance, and that ceiling binds here.
Notice wording: Value or type of collateral not sufficient
What would change it: A lower amount, or a different vehicle in the household with more equity behind it. The equity ceiling tool shows both limits and which one binds, before you apply again.
We cap an advance at 3% of gross annual income, following a city ordinance. The amount you asked for sits above that ceiling for the income we were able to verify.
Notice wording: Income insufficient for amount of credit requested
What would change it: An amount under the ceiling, or verified income we did not see the first time — a second job, benefits, or self-employment income on a bank statement.
We could not confirm the income on the application from the documents we received.
Notice wording: Unable to verify income
What would change it: A clearer pay stub, a benefits letter, or two months of bank statements showing the deposits. This one is usually a photograph problem rather than an income problem.
The title shows an existing lien. Somebody else already has a claim on the vehicle, so it cannot secure this agreement.
Notice wording: Value or type of collateral not sufficient
What would change it: A released lien. Once the current lienholder releases it and the state issues a title with that lien released, that title can be used for a new application.
The name on the title does not match the name on the application, so we cannot treat the vehicle as yours to pledge.
Notice wording: Unable to verify credit references
What would change it: A title in your own name, or an application in the name that is actually on the title. If the name changed — marriage, divorce, a correction — the state can reissue it.
We could not confirm your identity to the standard federal rules require before funds move.
Notice wording: Unable to verify identity
What would change it: A second run at the identity check with a valid, in-date ID and better light. If it fails twice, a person on our side will look at it rather than leaving you stuck in a loop.
The insurance on the vehicle had lapsed on the date shown on the declarations page.
Notice wording: Insufficient collateral protection
What would change it: A current policy. The agreement requires the vehicle to be insured, so this is a condition rather than a preference.
What is already committed each month, set against verified income, does not leave room for these payments.
Notice wording: Excessive obligations in relation to income
What would change it: A smaller amount, a shorter commitment elsewhere, or verified income we did not see. We would rather say this now than take a payment you cannot make.
We could not confirm the address on the application.
Notice wording: Unable to verify residence
What would change it: A utility bill, a lease, or a bank statement in your name at that address, dated in the last ninety days.
We arrange funding in Texas only, and the address and the vehicle registration on this application are outside it.
Notice wording: We do not grant credit to any applicant on the terms and conditions you request
What would change it: Nothing today. We will not pretend otherwise or take you through five more screens to reach the same answer.
There is already an active agreement against this vehicle. One vehicle secures one agreement at a time.
Notice wording: We do not grant credit to any applicant on the terms and conditions you request
What would change it: Settling or paying off the existing agreement.
Your rights
The Equal Credit Opportunity Act
The statement every written notice carries
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The federal agency that administers compliance for this creditor is named in full on the written notice.
How long we have, under ECOA, to put the specific reasons in writing.
Equal Credit Opportunity Act / Regulation B, 12 CFR 1002.9
How long you have to ask for the written statement of reasons.
Equal Credit Opportunity Act / Regulation B, 12 CFR 1002.9
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.