Partners
What working with us would look like
We do not have a partner program open yet. This is the shape we intend it to take, what is deliberately undecided, and how to start the conversation early.
Where this actually stands today
The program is not open. There is no commission schedule, no partner API, no partner portal and no reporting dashboard — and we would rather tell you that here than let you find out on a call. Two things have to be settled before any of it is built: the compensation model, and a counsel question about whether paying per application implicates who may broker credit in Texas. Both are real questions with real answers coming; neither is a delay tactic.
You can still talk to us now. Early conversations shape what gets built, and being on the list costs you nothing.
The three shapes we expect this to take
Each of these is a business we already understand. What we have not settled is how anybody gets paid for it.
Vehicle dealers
A customer is short on a deposit or needs funding against a car they already own. Today they leave. A referral gives them a route that ends with both charges on screen before they commit to anything.
Introducers and platforms
Sites and services whose audience overlaps ours. Send them the calculator. It shows the price and does not ask for a name. An application is a different page, and it starts with a name.
Financial and community services
Credit counselors, community organizations, employers running hardship funds. Often the most useful thing we can say to a person you send us is that this is the wrong product for them — and we will say it.
Three things we will not do, whatever the program ends up looking like
Worth knowing before you spend time on us, because for some partners these are disqualifying.
Take your customer’s details from you
Consent to be contacted comes from the person being contacted. We will not accept a list, and no form on this site will ever take a third party’s phone number.
Pay for an outcome we then have to reveal
Compensation contingent on a named person being funded discloses that person’s private financial information to whoever gets paid. If there is ever a payment, it attaches to the introduction, never the funding.
Let a partner brand hide ours
Whoever sends someone to us, that person sees who we are, our registration status and what it costs, before anything else. There is no unbranded version of this product.
Before you get in touch
Read what we charge and how we make money first. Most partner conversations turn on the same question a customer has, and we would rather you arrive already knowing the answer.
Want to be in the first cohort?
Tell us what your business does and how your customers reach us today. We will be straight with you about timing rather than optimistic about it.
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.