Servicemembers
If you are on active duty
The Servicemembers Civil Relief Act gives you protections on an agreement you took on before you entered service. Here is what the Act provides, as far as we can stand behind the citation today, and exactly how to ask us to apply it.
A written request with the subject tag on it goes to the address below. There is no separate military line, because an address nobody monitors is worse than none.
- Subject tag
- SCRA
- Phone
- (833) 404-5626
The law
What the Act provides
Three points, each with the section it comes from and a plain label on how far we can stand behind it.
The interest cap on obligations that pre-date active duty
For an obligation you took on before you entered military service, the Act limits interest to 6 percent per year during the period of service, and provides that interest above that rate is forgiven rather than deferred. The statute defines what counts as interest for this purpose; how it applies to the two charges on this agreement is a question for counsel and is not answered on this page.
Authority: Servicemembers Civil Relief Act(opens in a new tab) — 50 U.S.C. § 3937 (counsel to confirm application to this product)
Citation not yet confirmed by counselSource last read 2026-09-15.
How the cap is invoked
The Act provides that the servicemember gives the creditor written notice and a copy of the military orders, and that this may be done not later than 180 days after the date of the servicemember’s termination or release from military service. Send it to us at the address on this page and it is acted on by a person.
Authority: Servicemembers Civil Relief Act(opens in a new tab) — 50 U.S.C. § 3937(b) (counsel to confirm)
Citation not yet confirmed by counselSource last read 2026-09-15.
Repossession without a court order
For a contract for the purchase or lease of property on which a deposit or installment was paid before military service, the Act provides that the contract may not be rescinded or terminated, and the property may not be repossessed, for a breach occurring before or during military service without a court order. Whether a title-secured agreement of this kind is within that section is a question for counsel.
Authority: Servicemembers Civil Relief Act(opens in a new tab) — 50 U.S.C. § 3952 (counsel to confirm application to a title-secured agreement)
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.
How to invoke it
What we ask for, and what we do with it
A written request
An email is written. Say that you are asking for the SCRA interest cap and give the agreement reference.
A copy of your orders, or a letter from your commanding officer
The Act asks for the orders. If you do not have them with you, the public active-duty lookup below is something we can use with your details.
The date your service began
The cap attaches to obligations that pre-date it, so the date is what we compare the agreement against.
Step 1
A person reads it, and you get a case number in writing.
Step 2
We confirm active-duty status from what you sent or from the public lookup, and tell you which.
Step 3
If the cap applies, the account is adjusted from the date the Act provides, and you get the adjusted figures in writing.
Step 4
If we conclude it does not apply, you get the reason in writing, and the complaint ladder — including the regulator — is open to you exactly as it is to anyone else.
The Department of Defense SCRA website
A public lookup of active-duty status, run by the Department of Defense. It is not ours; we make no claim about it beyond that it exists.
What this page is not
This is not a Military Lending Act statement
The Military Lending Act
This page is about the Servicemembers Civil Relief Act and only that. We have not published a position under the Military Lending Act. Whether that Act applies to a given agreement, and what follows if it does, is a question for counsel that this page does not answer in either direction.
The Act itself: 10 U.S.C. § 987(opens in a new tab)
If we get it wrong
The complaint ladder
The same one everybody gets. It ends with the regulator, not with us.
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.
Everything else about your agreement
The cancellation right, the prepayment position and the two-line fee schedule are the same for you as for anyone, and they are on the guarantees page. What the law provides if an agreement is not repaid, including the court-order point above, is on the repossession page.
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.