Texas credit access business registration: not yet issued
Who you are dealing with
Under Texas law, a Credit Access Business is a company that arranges consumer credit, which another company advances: here, S2 Funding LLC, lender of record. There are two companies in this arrangement and they charge two different things. Both are below, with what each one charges.
Credit Access Business
Dollar Loans LLC
Arranges the funding and charges the Credit Access Business fee, worked out on the amount advanced for each month the agreement runs.
Lender of record
S2 Funding LLC
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.
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.
Credit Access Business fee
By the month
Charged by Dollar Loans LLC, worked out on the amount advanced, for each month the agreement runs. The worked example below shows it in dollars.
S2 Funding LLC’s interest
For the whole term
Interest on the amount advanced, for the whole term, charged by S2 Funding LLC. That interest is S2 Funding LLC’s part only, and it is not the total cost of credit. The worked example below shows it in dollars.
Amount range
$2,000 to $50,000
The amount depends on the vehicle and your application.
Term range
1 to 6 months
No prepayment penalty at any point.
Worked example: $5,000 over 3 months
Every figure below is generated from the schedule above by the same calculation engine the site’s calculators use. It is not typed in alongside them, so it cannot drift away from them.
Amount advanced
Amount advanced: $5,000$5,000
Credit Access Business fee (on the amount advanced, over 3 months)
Credit Access Business fee (on the amount advanced, over 3 months): $3,750.00$3,750.00
S2 Funding LLC’s interest (on the amount advanced, over 3 months)
S2 Funding LLC’s interest (on the amount advanced, over 3 months): $124.37$124.37
Finance charge
Finance charge: $3,874.37$3,874.37
Total of payments
Total of payments: $8,874.37$8,874.37
Monthly payment, payments 1 to 2
Monthly payment, payments 1 to 2: $2,958.12$2,958.12
Last payment, payment 3
Last payment, payment 3: $2,958.13$2,958.13
Annual percentage rate: our fee and S2 Funding LLC’s interest, as one yearly rate
The annual percentage rate will be printed here once our way of calculating it has been checked. The dollar figures above are this example's cost.
Payment schedule for $5,000 over 3 months
Payment
Principal
Arranging fee
Interest
Payment total
Payment 1 of 3
$1,666.67
$1,250.00
$41.45
$2,958.12
Payment 2 of 3
$1,666.67
$1,250.00
$41.45
$2,958.12
Payment 3 of 3
$1,666.66
$1,250.00
$41.47
$2,958.13
Payment 1 of 3
Principal
$1,666.67
Arranging fee
$1,250.00
Interest
$41.45
Payment total
$2,958.12
Payment 2 of 3
Principal
$1,666.67
Arranging fee
$1,250.00
Interest
$41.45
Payment total
$2,958.12
Payment 3 of 3
Principal
$1,666.66
Arranging fee
$1,250.00
Interest
$41.47
Payment total
$2,958.13
Run these figures for any amount from $2,000 to $50,000 and any term we write in the cost instrument, or open the full cost studio.
Your rights
Required disclosure:
How the annual percentage rate is put together
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.
Required disclosure:
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.
Required disclosure:
Paying early
There is no prepayment penalty.
Required disclosure:
What we write
$2,000 to $50,000. The amount depends on the vehicle and your application.
Required disclosure:
Your right to complain
Raise it with us first — we would rather fix it than have it escalated. If we cannot resolve it, the Office of Consumer Credit Commissioner takes complaints about any Texas Credit Access Business, including this one. Our process is on the complaints page.
What requires all of this
Eight separate regimes govern what has to be told to you, in what form, and when. They are listed here because a disclosure page that does not say what compels it is asking to be taken on trust.
Federal Truth-in-Lending Disclosures
Truth in Lending Act / Regulation Z
The finance charge, the amount financed, the total of payments and the annual percentage rate are given in writing before consummation, and any advertised term is one actually available.
12 CFR 1026.17-1026.18 (closed-end credit); 12 CFR 1026.24 (advertising) · Where we publish it
Texas Credit Access Business disclosure
Texas Office of Consumer Credit Commissioner
The Commissioner prescribes the form of the Credit Access Business disclosure, including the fee schedule and the OCCC consumer notice, and it is given to the consumer before the agreement is signed.
We are confirming the exact citation with counsel before we publish it. The requirement applies either way; the section number is not yet ours to quote. · Where we publish it
Fee schedule posting
Texas Finance Code, chapter 393
The schedule of fees charged for Credit Access Business services is posted where a consumer transacts with us - which, for an online-only business, is every surface a consumer transacts on.
We are confirming the exact citation with counsel before we publish it. The requirement applies either way; the section number is not yet ours to quote. · Where we publish it
Same-language disclosure
Texas Finance Code, chapter 393
The disclosure is furnished in the language in which the transaction was conducted. Nothing on this site is published in Spanish yet, so no transaction may be conducted in Spanish until it is.
We are confirming the exact citation with counsel before we publish it. The requirement applies either way; the section number is not yet ours to quote. · No published artifact yet. Stated here as a gap rather than left out.
Right to cancel
Texas Finance Code, chapter 393
The consumer may cancel to midnight of the third calendar day after signing, at no cost, by returning the amount advanced. The measure is calendar days, never clock hours.
We are confirming the exact citation with counsel before we publish it. The requirement applies either way; the section number is not yet ours to quote. · Where we publish it
Privacy notice
Gramm-Leach-Bliley Act / Regulation P
An initial and an annual privacy notice describing what nonpublic personal information is collected, who it is shared with, and how to limit sharing where a right to limit exists.
Notification of the action taken within 30 days, and on a denial or a counteroffer not accepted, a statement of the specific reasons or of the right to obtain them.
12 CFR 1002.9 · No published artifact yet. Stated here as a gap rather than left out.
Consumer report notices
Fair Credit Reporting Act
Where a consumer report is used in a decision, the consumer is told which agency supplied it, that the agency did not make the decision, and how to obtain a free copy and dispute it.
You can verify all of this with them directly, rather than taking our word for it.
Registration
Our registration status
Where the registration stands, who regulates credit access businesses in Texas, and the two companies behind the brand.
Credit Access Business
Texas credit access business registration: not yet issued
Verification pending
We are not publishing a registration number on this page yet. A number previously shown on this site was checked on 2026-09-14 and is not ours, so it was removed everywhere rather than left in place. Until the registration certificate is in hand, we would rather show you nothing than show you a number you cannot match to us.
The number goes here the day the certificate is in hand, with the date it was checked beside it. Until then, search the Office of Consumer Credit Commissioner for the legal entity name — Dollar Loans LLC d/b/a Dollar Loanz — rather than for a number.
Arranges the funding and charges the Credit Access Business fee, worked out on the amount advanced for each month the agreement runs.
Lender of record
S2 Funding LLC
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.
Who regulates us
Office of Consumer Credit Commissioner 2601 North Lamar Boulevard, Austin, TX 78705
That helpline takes complaints about any Texas Credit Access Business, this one included. We would rather you raised it with us first and we fixed it. But the number is here either way, because a company that hides its regulator is telling you something.
Texas only. We arrange title funding only in Texas. The application is completed online. There is no storefront behind this website.
This disclosure wording is effective . Every figure on this page is generated from our product configuration at request time.
More of the record
The application is ready when you are.
Have your title, your insurance card and a document that shows your income nearby.
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
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.
