Printed from dollarloanz.com/calculators/refinance-check. Dollar Loans LLC d/b/a Dollar Loanz.

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The cost studio

Bring your paperwork

The cost studio

Bring your paperwork. We will read it with you.

Three figures off your current statement — what you still owe, what leaves your account each month, and how many payments are left — and this page will show you the difference on your numbers rather than on somebody's industry average. Including when the difference is not in our favor.

Your numbers, not ours

Read three figures off your statement

Nothing you type here is stored, sent anywhere or attached to you. It lives in this page's address and nowhere else — which is also how you send the comparison to somebody whose opinion you trust.

Read these off your agreement

What you still owe

The outstanding balance or payoff figure on your latest statement.

Why we ask

It is the only way to compare like for like. Nothing you type here is stored, sent anywhere, or attached to you — it lives in this page's address and nowhere else.

What you pay each month

The full installment, including any fee your current provider adds.

Payments left

How many more installments are scheduled.

Three figures and we can answer this

Whatever you still owe, whatever leaves your account each month, and how many payments are left. They are all on your last statement, and this page keeps none of them.

See what we charge instead

Read it fairly

Four things to check before you move anything

A cheaper agreement that costs you three hundred dollars to leave is not a cheaper agreement, and we would rather say that here than after you had signed something.

An early settlement charge on your current agreement
Ours has none — it is in our published terms and in the disclosure at the foot of every page on this site. We cannot see yours, so we will not guess at it. It is usually under a heading about prepayment or early termination.
Who holds your title, and when they release it
Moving an agreement means one lien coming off and another going on. Ask your current provider how long a release takes in writing before you commit to anything.
Whether the term is genuinely comparable
We write 1 to 6 months. If your current agreement runs longer than that, the comparison above will say so rather than quietly putting our shorter term next to your longer one and calling it a win.
What the annual percentage rate is on both sides
Both rates are worked out the same way, from the payments: yours from the three figures you entered, ours from the fee schedule. If yours looks nothing like the rate you were quoted when you signed, that gap is worth a conversation with whoever quoted it.

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.

Who charges what

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.

Paying early

There is no prepayment penalty.

What we write

$2,000 to $50,000. The amount depends on the vehicle and your application.

Where these figures come from

Every rate, fee and bound in this studio is read from our published terms. Texas credit access business registration: not yet issued. The full fee schedule is on the disclosure page, and the regulator for credit access businesses is the Office of Consumer Credit Commissioner. Wording effective 14 September 2026.

If you would rather have somebody look at the paperwork with you than read it alone, get in touch — and if you think your current provider has got something wrong, the Office of Consumer Credit Commissioner takes complaints about any Texas Credit Access Business, including us. Details are on our complaints page.

Keep going

The rest of the studio

Everything here runs on the same published fee schedule, so no two tools can disagree.

If moving makes you better off, the application is next.

Start an application and see both charges before you sign anything at all.

Start an application Talk it through instead

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 Commissioner

Regulator

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.

The cost studio

Bring your paperwork

The cost studio

Bring your paperwork. We will read it with you.

Your numbers, not ours

Read three figures off your statement

Nothing you type here is stored, sent anywhere or attached to you. It lives in this page's address and nowhere else — which is also how you send the comparison to somebody whose opinion you trust.

Read these off your agreement

What you still owe

The outstanding balance or payoff figure on your latest statement.

Why we ask

It is the only way to compare like for like. Nothing you type here is stored, sent anywhere, or attached to you — it lives in this page's address and nowhere else.

What you pay each month

The full installment, including any fee your current provider adds.

Payments left

How many more installments are scheduled.

Three figures and we can answer this

Whatever you still owe, whatever leaves your account each month, and how many payments are left. They are all on your last statement, and this page keeps none of them.

See what we charge instead

Read it fairly

Four things to check before you move anything

A cheaper agreement that costs you three hundred dollars to leave is not a cheaper agreement, and we would rather say that here than after you had signed something.

An early settlement charge on your current agreement
Ours has none — it is in our published terms and in the disclosure at the foot of every page on this site. We cannot see yours, so we will not guess at it. It is usually under a heading about prepayment or early termination.
Who holds your title, and when they release it
Moving an agreement means one lien coming off and another going on. Ask your current provider how long a release takes in writing before you commit to anything.
Whether the term is genuinely comparable
We write 1 to 6 months. If your current agreement runs longer than that, the comparison above will say so rather than quietly putting our shorter term next to your longer one and calling it a win.
What the annual percentage rate is on both sides
Both rates are worked out the same way, from the payments: yours from the three figures you entered, ours from the fee schedule. If yours looks nothing like the rate you were quoted when you signed, that gap is worth a conversation with whoever quoted it.

How the annual percentage rate is put together

Who charges what

Paying early

There is no prepayment penalty.

What we write

$2,000 to $50,000. The amount depends on the vehicle and your application.

Where these figures come from

Keep going

The rest of the studio

Everything here runs on the same published fee schedule, so no two tools can disagree.

If moving makes you better off, the application is next.

Start an application and see both charges before you sign anything at all.

Start an application Talk it through instead

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 Commissioner

Regulator

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.