Refer a friend
Price first. Name second. Pass it on.
If someone you know is weighing title funding, this is the page to send them.
How this works
Three steps. The last one is the point: nothing comes back to you.
- 01
Copy the link
It goes to our calculator. Both charges are named, and no name is asked.
- 02
They see the cost first
Before an application, and before anyone asks them anything. If the cost is wrong for them, they can close the page. We do not keep a record that they opened it.
- 03
Nothing comes back to you
No count, no notification, no "someone used your link". Whether your friend applied is their business, and telling you would be us disclosing it.
Why there is no money in this
A referral bonus is the normal shape for this, so the useful thing to publish is the reasoning that stopped us building one.
Four reasons, and the fourth is the one that decides it
Paying you because your introduction produced a funded agreement would make us a company paying a private individual to help another person obtain credit, which is a licensing question under Texas Finance Code chapter 393 rather than a marketing one. It would make every message you sent about us a regulated advertisement that we supplied and could not police. A discount for your friend would spread a price benefit along social networks, which are not neutral by race or national origin.
And the one that actually decides it: paying you when your friend is fundedtells you that a specific, identifiable person obtained credit from us. The payment discloses it whether we mention it or not. That is your friend's private financial information, and it is not ours to hand over — not for a hundred dollars, not for any number.
We never take their details
No field on this site accepts a friend’s phone number or email address — not with a tick-box, not with a "confirm you have permission" checkbox. Consent to be contacted has to come from the person being contacted.
We write no message for you
No pre-written text, no suggested wording. If you want to pass the link on, the words are yours. A company that writes the message is running an advertising channel it does not control.
If you want to help someone
Send them the pages that show the cost. These four are the ones we would want a friend to read before signing anything, including with us.
The link, if you want it.
It opens the calculator. No name is taken, and nothing is recorded about who opened it. The application is theirs to start, or not.
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.

