Every page on this site
All of it, in one place, with a line each so you can tell what is worth opening. Search is in the header.
Applying
- Check where I standSeven questions about you and the car.
- Am I eligible?The published policy in full: what we ask for, what stops an application, and what doesn’t.
- What's my car worth?A value with its basis shown, and the maximum this site will use.
- Start an applicationOne question at a time. A cost figure appears once an amount and a term are both known.
- Where's my application?Named stages, real timestamps, and a window that is a range rather than a promise.
- Open a saved applicationA finish-later link brings back the saved answers. The date of birth and the street address are asked again.
- How we decideWhat we look at, what we never look at, and every reason a decision can give — published before you apply.
What it costs
- See what it costsMove the amount and the term. The dollar figures move with them. This page does not ask your name.
- The cost studioSix tools: payoff planner, extra-payment simulator, affordability, ledger, refinance check.
- Fee scheduleEvery charge in one document — two of them — with who is paid each and how it is worked out.
- How we make moneyWho is paid what on each agreement: the company that advances the funds earns the interest, and we earn our fee.
- What we commit to in writingEach commitment, the clause behind it, and the date it applies from.
- Credit reportingWhat we have and have not published about our own reporting, and how to dispute it.
Your account
- Log inYour agreement, your schedule, your documents, your car.
- Make a paymentPay now, move a date, or set up autopay.
- Payoff quoteAn exact figure, dated, in writing.
- Upload a documentYour title, ID, insurance or income, photographed from your phone.
- Everything you can doEvery action in the account, in one list.
- Message usIn writing, with the record attached, so nobody has to explain it twice.
Learn
- How title funding worksEach step, from the plate to the decision, and what happens to the title.
- Your title and the lien on itWhat a lien is, what it is not, and the ten-day window to release it once you have paid.
- Your car, as a productValue, recalls, and what a plate is for on this site.
- Free open recall checkOpen manufacturer recalls for a VIN. Looking them up does not start an application.
- GuidesNotes on the parts of this that trip people up.
- Where we coverWe arrange funding across Texas, and the application is completed online. Choose your city for a local view.
- Help centerAnswers grouped by what you are trying to do.
Company
- About usWho runs this, and the three ideas the company was built around.
- ContactEvery way to reach us, and what each one is best for.
- Partner with usFor dealers, referrers and platforms who want to work with us.
- Refer a friendHow the referral program works and what its terms are.
- Put us on your home screenThere is no store app. This page shows how to add the site to your home screen.
- StatusWhether anything on this site is broken. An application is tracked on its own page.
- Site indexEvery page on this site, on one page.
Check us out
- Trust CenterEvery claim we make about ourselves, each with a status and the date it was checked.
- Licenses and who regulates usThe two companies behind the brand, and our registration status.
- OCCC disclosureThe regulator-required disclosure, and the regulator’s own complaint line.
- Security and your dataWhat we hold, who else sees it, how long we keep it, and the status of each control.
- Processor registerEvery category of company that could touch your information, and why.
- Report a vulnerabilityCoordinated disclosure: scope, timelines, and safe harbor for good-faith research.
- AccessibilityWhat we have built to standard, what we have not yet, and how to tell us.
- File a complaintTo us, and to the regulator — both routes, side by side, neither buried.
- Fraud and scamsThe things we will never ask you for, how to check it is really us, and where to report an impersonation.
- This isn’t my accountIf an agreement was taken in your name: what we freeze, what we ask for, and the federal protections that apply.
- If we stop servicing your agreementYour terms survive a change of servicer, you are told first, and the lien-release duty travels.
- Communicating with usRelay and TTY through a public service, everything in writing, other formats on request, and which languages we can serve.
Legal
- Terms of serviceThe agreement that governs your use of this site.
- Privacy policyWhat we collect, why, and what you can make us do about it.
- Referral termsThe whole referral arrangement in plain language, including what we do not pay.
- All questionsEach answer has its own link.
- E-SIGN consentThe consent to electronic records at a permanent address, with its version and effective date.
- UnsubscribeStop emails and texts without logging in, and what an opt-out never changes.
- Text message helpSTOP, HELP and START, the carrier-rates sentence, and how often we text.
- Privacy choicesThe one cookie category that exists, the Texas opt-out rights, and where a request goes.
- Disclosure change archiveEvery version of every legal document on this site, with the date it took effect.
When life happens
- If a payment is missedWhat happens when a draft fails, what it costs by the published schedule, and the route to use first.
- Repossession, and your right to redeemThe whole ladder in plain English, every statutory point cited, with the hardship route bolted to the top.
- When a customer has diedFor an executor or family member: who can talk to us, what helps, and what we will not do.
- Closing your accountAfter the last payment: what we keep and for how long, how to stop all contact, and no pitch at the end.
- ServicemembersOur Servicemembers Civil Relief Act statement: the interest cap, how to invoke it, and the court-order protection.
- Two names on the titleJoint owners and co-signers: who has to sign, and the legal question we have not had answered.
- Somebody speaking for youNominating a person who may discuss your account, what they may and may not do, and powers of attorney.
The cost studio
- The instrumentWhat does this actually cost me?
- Payoff plannerWhat does paying this off early actually save me?
- Extra-payment simulatorIf I put an extra $300 in, where does it go?
- AffordabilityWhat payment actually fits my month?
- Amortization ledgerWhat does each payment actually cover?
- Refinance checkAm I overpaying on the title contract I already have?
Where we cover
Texas only. Each city page is a local view of the same product — see them all.
The application is ready when you are.
Have your title, your insurance card and a document that shows your income nearby.
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.