The garage
Your car, not just our collateral
Tell us about it once. From then on, everything here knows what you drive — what it is worth, what that unlocks, and what the manufacturer has quietly recalled.
One field
Plate or VIN. That is the whole ask.
No account and no email. Nothing you type here is sent to us.
Four panels
What the garage actually knows
Your car is the whole basis of this arrangement. So it gets a screen of its own rather than one line on a form — four panels, no account, and every figure carrying its own receipt.
What it is worth
An indicative band, with the basis, the date, the number of comparable sales behind it and how sure we are — printed under the figure, not in a footnote.
Check a valueWhat that unlocks
Two ceilings decide a vehicle title advance. We show both, name the one that binds, and write out the arithmetic so you can check it with a calculator.
See the ceilingWhat has been recalled
Open safety campaigns for your year, make and model, straight from NHTSA. Free, no account, and the repair costs you nothing at a franchised dealer.
Run a recall checkWhat changes over time
Value, what is owed, and what is actually yours — month by month. Real observations only, and no forecast line pretending to know next quarter.
Open the garage
The best page here
We could write “up to $50,000, depending on your vehicle”
We would rather show the arithmetic. Two ceilings apply to a vehicle title advance, and the lower one wins — every time, for everyone, whatever anyone tells you on the phone.
of your gross annual income, before tax
Unified municipal ordinance — citation being confirmed
of the retail value of your vehicle
Unified municipal ordinance — citation being confirmed
Always. There is no version of this where the bigger number wins.
Why publish this at all
Because it is the one thing in this category that cannot be faked. It is two public percentages and a real valuation. Anyone can check our arithmetic, and anyone who wants to copy it has to start showing their numbers too.
We arrange from $2,000 to $50,000, and it is the ceiling above — not the top of that range — that decides nearly every one of these. Here is why, in one line of arithmetic: 3% of gross annual income only reaches $50,000 at an income of about $1.7 million a year. Better you know that here than three forms in.
Condition
Five words, not a slider
A slider at 63% means nothing to anybody and cannot be argued with. Pick the sentence that sounds like your car. When someone inspects it, they are answering the word you chose — which makes a change a conversation rather than a surprise.
Like new
Barely used, no marks, full service history, and you still have both keys.
What someone checks
- No paint damage, no dents, no curbed wheels
- Interior with no wear on the seat bolsters or the pedals
- Service history complete and stamped
- Tires with most of their tread left
A narrow description — pick it only if it genuinely fits.
Well kept
Looked after. A couple of small marks up close, nothing you would apologize for.
What someone checks
- Paint tidy, a chip or two at most
- Interior clean, light wear on the driver seat
- Servicing mostly up to date
- Everything electrical works
A broad description. Plenty of cars fit it.
Everyday driver
Scuffs, a scratch, maybe a small dent. Runs fine and gets you where you are going.
What someone checks
- Visible scratches or a small dent or two
- Interior wear you would notice but not mind
- A service or two missed
- Tires with legal tread but not much spare
The broadest of the five. If you are unsure, start here.
Rough but running
Cosmetically tired, mechanically sound. It starts, it drives, it is not pretty.
What someone checks
- Panel damage, faded paint or mismatched panels
- Interior wear, tears or a cracked dash
- Known niggles that do not stop it driving
- Tires near the limit
A broad description. Plenty of cars fit it.
Needs work
Something is really wrong and you know what it is. Tell us anyway — it changes the figure, not the answer.
What someone checks
- A mechanical fault that needs fixing
- Accident damage, repaired or not
- Warning lights currently on
- Not currently roadworthy
A narrow description — pick it only if it genuinely fits.
5 tiers, and each one names what an inspector would actually be checking. Picking the accurate one costs you nothing: it moves the figure, which is what it is for, and it means an inspection has a word to answer rather than a surprise to deliver.
More than one car
A household garage, not a single record
Three cars on the drive and only one of them carries real equity. Put them all in and see for yourself which — nobody needs to talk you into anything when the figures are side by side.
Saved in this browser
No account needed. Nothing leaves the device until you apply.
What a full garage gets you
- Every vehicle valued on the same basis, on the same day.
- The equity ceiling worked out per car, so you can see what each one could support.
- Recall checks on all of them at once.
- A value history per car, month by month.
Not our word for it
Four things you can check without us
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.
Straight answers
The questions people actually ask
You keep the vehicle and keep driving it while the agreement is in place. If the payments aren’t made as the agreement says, the vehicle can be repossessed.
No. One field, no sign-up, no email. If you add a car to your garage it saves in your browser, not on our servers.
No, and we say so on the same screen as the figure. The value is an indicative band. What could be advanced is capped by two ceilings, and the lower of those is what decides it. The exact amount is confirmed in writing before you sign anything.
Neither. It is free, it comes straight from NHTSA, and an open recall on your vehicle changes nothing about how we look at an application. The repair itself is free at a franchised dealer for that make.
Then that comes off the top, and the calculator shows it as its own line. If what is left is under the smallest amount we arrange, we will tell you that on the screen rather than after a form.
Yes. Each one gets its own value, its own ceiling and its own recall check. Seeing them on one screen is how to work out which vehicle actually carries equity, rather than assuming it is the newest one.
Start with the car. The rest follows.
One field, no account, and the number comes with its receipts.
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.