Legal
What changed, and when
Every document on this site that could change what you are owed or what you owe, with its version and the date it took effect. It is generated from the same constants the documents print, so it cannot disagree with them.
reviewed 2026-09-15
Every document is on its first version.
reviewed 2026-09-15
Every date is imported from the document it belongs to.
Why the archive is short
Every document here was reviewed once and has not been revised since. An archive that showed a tidy history of revisions would be a fabricated one, so the history under each document says “no earlier version exists” until there is one.
Archive
Documents you sign, or are given before you sign
The ones a regulator opens first.
Credit Access Business disclosure and fee schedule
v1 · effective
First published wording of the two-company disclosure, the fee schedule and the regulator block.
No earlier version exists.
Consent to use electronic records and signatures
v1.0 · effective
First version of the consent, rendered in full inside the signing room and stamped on the envelope.
No earlier version exists.
Terms of service
v1 · effective
First published terms. The page prints this same date as its last-updated line.
No earlier version exists.
Archive
Policies about you and your data
Each one prints its own effective date; this list is generated from those.
Privacy policy
v1 · effective
First published privacy notice. The page prints this same date as its last-updated line.
No earlier version exists.
Security controls and the things we will never do
v1 · effective
First published control register, with each control marked built or planned.
No earlier version exists.
Processor register
v1 · effective
First published register of the categories of company that could touch your information.
No earlier version exists.
Accessibility conformance claim
v1 · effective
First WCAG 2.2 AA claim, with the known-issues table published alongside it.
No earlier version exists.
Trust Center index
v1 · effective
First published index of the claims this company makes about itself.
No earlier version exists.
Privacy choices
v1 · effective
First published cookie register and Texas opt-out position.
No earlier version exists.
Archive
Servicing policy
What we do when something goes wrong, dated.
First published clocks, each marked statutory or ours, and the three-rung complaint ladder.
No earlier version exists.
Messaging and opt-out policy
v1 · effective
First published keyword behavior and opt-out recording rule.
No earlier version exists.
First published positions, with the unpublished figures typed as gaps.
No earlier version exists.
Bereavement and estate contact
v1 · effective
First published path for an executor or family member.
No earlier version exists.
Servicemembers (SCRA) statement
v1 · effective
First published SCRA position, with the Military Lending Act position marked as not published.
No earlier version exists.
Repossession, redemption and what happens after a sale
v1 · effective
First published ladder, with every statutory point cited and marked for counsel.
No earlier version exists.
Identity theft and "this isn’t my account"
v1 · effective
First published freeze commitments and the two federal points that apply.
No earlier version exists.
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.