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Printed from dollarloanz.com/fees. Dollar Loans LLC d/b/a Dollar Loanz.
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The complete schedule
A fee schedule can be written to be technically available, or written to be read. This one is written to be read: the entire list, in the order it appears on an agreement, with the arithmetic underneath it.
Every charge
Open a row to read the disclosure wording for that charge, quoted exactly as it is written in our config.
Quoted from our disclosure
Arranges the funding and charges the Credit Access Business fee, worked out on the amount advanced for each month the agreement runs.
Quoted from our disclosure
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.
On $8,000 advanced over 4 months
On $8,000 advanced over 4 months
There is no third line on the schedule
Both charges are worked out on the amount advanced — not on a balance that moves, and not on a figure that grows if you are late to read your email. The fee accrues per month.
The edges
The published range, straight from our config. A figure outside it is not a negotiation — it is a no.
Below this we cannot arrange funding
our published minimum
Subject to what your vehicle is worth
our published maximum
1 month
our published shortest term
6 months
our published longest term
The published range
Every term
Computed on $8,000 advanced, at every term we offer. Published as a ladder so you can go and look at the edges instead of taking our word for the middle.
| Term | Total of payments |
|---|---|
| 1 month | $10,066.33 |
| 2 months | $12,132.67 |
| 3 months | $14,199.00 |
| 4 months | $16,265.33 |
| 5 months | $18,331.67 |
| 6 months | $20,398.00 |
The other half of a fee schedule
A schedule that lists only what you pay is half a document. Here is the other half, with the reason each line is true printed on it.
We do not charge: A penalty for paying early
Pay ahead, pay it off, pay the whole thing on a Tuesday because the bonus landed. It costs nothing extra.
Quoted from our disclosure
There is no prepayment penalty.
We do not charge: A charge for changing your mind
Signed, then slept on it and thought better of it? Give the money back inside the window and we are square.
Quoted from our disclosure
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.
We do not charge: An application fee
Asking costs nothing, whether the answer is yes or no. There is no line on the schedule for asking.
How you can check it
The published schedule on this page has two lines. This is not one of them, and a charge that is not on the schedule is not on your agreement either.
We do not charge: An origination or processing fee
No arrangement fee on top of the arrangement fee. The fee above is the fee.
How you can check it
The published schedule on this page has two lines. This is not one of them, and a charge that is not on the schedule is not on your agreement either.
We do not charge: A charge for a payoff figure
Finding out what settles the whole thing today is free, and you can ask as often as you like.
How you can check it
The published schedule on this page has two lines. This is not one of them, and a charge that is not on the schedule is not on your agreement either.
We do not charge: A charge for paperwork, or for a human
Statements, receipts, copies of your agreement, and talking to an actual person. None of it has a price.
How you can check it
The published schedule on this page has two lines. This is not one of them, and a charge that is not on the schedule is not on your agreement either.
Asked often, answered here
Every answer below is a read of the same config that produces the table above. Copy the link on any one of them — it lands on the answer, not on the top of the page.
Because Texas structures this product as two roles with a charge each. S2 Funding LLC, lender of record, advances the funds and charges the interest. Dollar Loans LLC is the credit access business that arranges them and charges our fee. Two companies, two charges, both on the schedule above.
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.
Per month, for each month the agreement runs, worked out on the amount advanced. It is not taken out of the money you receive, and it does not compound.
There is no prepayment penalty.
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.
Texas credit access business registration: not yet issued. You do not have to take that from us: the Office of Consumer Credit Commissioner keeps the register at https://occc.texas.gov, and its consumer helpline is (800) 538-1579.
This page carries an effective date, currently 2026-09-14. The wording and the date are read from the same published schedule, so they change together.
Do not take our word for it
Four facts a stranger can verify without believing a word of the rest. None of them needs an operating history, a star rating or a customer story to be true.
The fee, stated in advance
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.
You can change your mind
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.
Above us
The regulator is Office of Consumer Credit Commissioner, at 2601 North Lamar Boulevard, Austin, TX 78705. Their consumer helpline is (800) 538-1579, and it is not a number we control. If something on this page does not match what you were told, they are the right people to ask — and here is how to complain about us, including how to do it without speaking to us first.
The calculator runs the same engine as this page. Move two sliders and the whole decomposition lands.
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
$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.