The hard part
Repossession, redemption, and what happens after
It is here, in full, before you need it — with the route that stops it as the first thing on the page.
Before any of this: tell us
Every stage below begins with payments that have stopped. The hardship request exists so that they do not. It shows you the cost of each option before you accept one, it is not held against you, and it stays open at every stage until a vehicle is sold.
The word
What counts as default
Default is defined by your agreement
Default is defined by your agreement, not by this page. In plain terms it means the agreement has been broken in a way the agreement says matters — most often payments that have stopped. One late draft is not, on its own, the same thing as default; the agreement says where the line is, and your copy of it is in your account.
Your agreement: in your account. The summary in the terms: default and collections.
Who holds the lien
Dollar Loans LLC d/b/a Dollar Loanz is a Credit Access Business. Texas credit access business registration: not yet issued. It arranges the funding and charges the Credit Access Business fee. S2 Funding LLC, lender of record, advances the funds and charges the interest. Both are shown in dollars before you sign, and the annual percentage rate is printed once our way of calculating it has been checked.
The lien is recorded on the title in favor of the lienholder named on it. S2 Funding LLC, lender of record, advanced the funds under the agreement; Dollar Loans LLC arranged it. Your title page shows the lien as recorded and who is named.
The ladder
From a missed payment to a sale, in order
Every stage that rests on a statute names it. Every stage that rests on us says so.
Before any of this: the hardship route
Every stage below starts with payments that have stopped. The hardship request exists so that they do not. It shows you the cost of each option before you accept one, it is not held against you, and it is the first link on this page for a reason.
Default
The agreement sets out what counts, and whether and how a missed payment can be caught up before it does. Read that clause rather than this sentence; this page cannot add a right the agreement does not give, and it will not pretend to.
You hear from us, in writing
Our commitment, over and above anything the law requires: before anything is done with the vehicle you get a written notice from us that says what has happened, what it would take to put right, and who to talk to. It is the moment to use the hardship route if you have not already.
Repossession
Texas law lets a secured party take possession of the collateral after default, and it draws one hard line around how: without a breach of the peace. It is done by the lienholder or on its behalf, and it is the outcome every stage above exists to avoid.
Your right to redeem
After the vehicle is taken and before it is sold, the law gives you the right to get it back by paying what is owed under the agreement together with the reasonable expenses the statute allows. The figure is given to you in writing and it is an exact figure, not an opening position.
Notice before a sale
Before the vehicle is sold you are sent a notification of the disposition. The statute calls for a reasonable, authenticated one; it tells you what is going to happen, and it is the last point at which redemption is open.
After the sale: surplus or deficiency
What the vehicle sells for is applied to what is owed and to the costs the statute allows. If there is money left over, it is yours and it is accounted for to you. If the sale does not cover the balance, the statute provides that the obligor is liable for the difference. Either way you get the arithmetic in writing.
The law
What the statute provides
Read on a public copy of the Texas statutes on the date shown, and labeled plainly: none of these has yet been confirmed by counsel as applied to this product.
Taking possession after default
After default a secured party may take possession of the collateral, and may do so without judicial process only if it proceeds without breach of the peace.
Authority: Texas Business and Commerce Code, chapter 9(opens in a new tab) — Tex. Bus. & Com. Code § 9.609 (counsel to confirm application to this product)
Citation not yet confirmed by counselSource last read 2026-09-15.
Notification before disposition
A secured party that disposes of collateral sends a reasonable authenticated notification of disposition to the debtor. The statute says "reasonable"; it does not hand this page a number of days, and this page does not invent one.
Authority: Texas Business and Commerce Code, chapter 9(opens in a new tab) — Tex. Bus. & Com. Code § 9.611 (counsel to confirm)
Citation not yet confirmed by counselSource last read 2026-09-15.
The right to redeem
A debtor may redeem the collateral by tendering fulfillment of all obligations secured by it together with the reasonable expenses and fees the statute allows, at any time before the secured party has collected it, disposed of it, contracted to dispose of it, or accepted it in satisfaction of the obligation.
Authority: Texas Business and Commerce Code, chapter 9(opens in a new tab) — Tex. Bus. & Com. Code § 9.623 (counsel to confirm)
Citation not yet confirmed by counselSource last read 2026-09-15.
Surplus and deficiency after a sale
After the proceeds of a disposition are applied in the order the statute sets, the secured party accounts to and pays the debtor for any surplus, and the obligor is liable for any deficiency.
Authority: Texas Business and Commerce Code, chapter 9(opens in a new tab) — Tex. Bus. & Com. Code § 9.615 (counsel to confirm)
Citation not yet confirmed by counselSource last read 2026-09-15.
“Not yet confirmed by counsel” means the section was read on a public copy of the statute on the date shown, and counsel has not yet confirmed the pin-cite or how it applies to this product. We publish the point with that label rather than either hiding it or quoting it as settled law.
Our side
What we commit to, over and above the law
These are ours. They are not the statute, and nothing on this page lets you mistake one for the other.
Nothing is done with the vehicle before you have had it in writing from us.
The law requires notice before a sale. We write before the first step, not the last one, because a notice you can still act on is the only kind worth sending.
Every figure — to catch up, to redeem, after a sale — is exact and in writing.
A number you cannot check is a number you cannot argue with, and arguing with it is your right.
The hardship route stays open at every stage above until the vehicle is sold.
Late is not the same as too late. Most of what this page describes never has to happen, and the route that stops it does not close because a date passed.
Complaining about any of it — to us, or to the regulator — changes nothing about how the agreement is handled.
The regulator examines credit access businesses and takes complaints directly. That route is published on this page, not buried under it. Texas credit access business registration: not yet issued.
Help that is not us
Independent help, and how to complain
Free help that has nothing to do with us
Some of these will tell you to deal with us differently. One or two would happily replace us. They are on this page anyway, because a company that hides the alternatives is telling you something about the alternatives.
National Foundation for Credit Counseling
Competes with usA non-profit network of certified credit counselors. They will look at your whole budget, not just this agreement, and they can talk to creditors on your behalf.
Financial Counseling Association of America
Competes with usA second national association of non-profit counselling agencies. Worth trying if the first one has no appointment near you.
Consumer Financial Protection Bureau
Federal plain-English guides on debt, collections and your rights — and the place to complain about us if you want to.
consumerfinance.gov/consumer-tools/debt-collection/(opens in a new tab)
Office of Consumer Credit Commissioner
The Texas agency that examines credit access businesses. Its consumer helpline is (800) 538-1579, and it takes complaints about us directly. Texas credit access business registration: not yet issued.
2-1-1 Texas
Dial 2-1-1 anywhere in Texas for local help with rent, utilities, food and transport. It can help free up the money the payment needs.
We do not run any of these, we are not paid for sending you to them, and we are not told when you click. Every link goes to the organization’s own site — that link is the only claim we are making about them. Free means free: never pay anyone for a service on this list.
Rung 1 of 3
Tell us
Handled by the servicing team
Write it down once, here. You get a case number on the screen and a copy by email, and it is tracked from that moment whether or not anyone answers the phone. Most things end at this rung, usually because they were a misunderstanding about a date or a figure.
5 business daysa named person replies to your complaintOur commitment
Rung 2 of 3
Escalate it inside the company
Handled by the compliance officer
Not happy with the answer? Say so on the case and it moves to a review by someone who was not involved the first time. You do not have to re-explain anything — the whole history moves with it. You will be told what the reviewer decided and why, in writing.
15 business daysthe escalation review closesOur commitment
Rung 3 of 3
Go over our heads
Handled by the regulator, and the federal consumer bureau
You never have to finish with us first, and using this rung costs you nothing and changes nothing about how we treat your agreement. The Texas Office of Consumer Credit Commissioner examines credit access businesses and takes complaints about us directly. The federal Consumer Financial Protection Bureau takes them too. Texas credit access business registration: not yet issued.
Complain to the Office of Consumer Credit Commissioner(opens in a new tab)Complain to the CFPB(opens in a new tab)A federal agency. Nothing to do with us, which is the point.
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.