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Title funding for
a car you own.

Funding against the title of a car you own in Texas. The price is on this page.

No penalty to pay it off early

How it works, in three facts

  1. 1

    A lien on the title

    While the agreement is in place, a lien is recorded on the title. That is the security for the amount advanced.

  2. 2

    A decision in writing

    Not every application receives an offer. The decision still comes to you in writing. If there is no offer, the notice says why, or how to ask. If there is an offer, you read the full agreement before you sign.

  3. 3

    When it’s paid in full

    The lien is released. How the title comes back to you is being confirmed.

How it works, in full

What we need from you

We start from your plate. This list does not ask for the year, make, or model.

The title in your name
We will name the exact requirement when you apply.
A Texas address
We will name the exact requirement when you apply.
The vehicle, for an inspection
Where the inspection happens is being confirmed.
A document that shows your income
We will name the exact requirement when you apply.
Insurance on the vehicle
The agreement requires the vehicle to be insured.
Your credit
We will never run a credit check just to show you a price.
Check where I standAm I eligible?

Your car during the agreement

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.

What it costs

Set the amount and the months. This page does not ask your name.

Amount
Amount advancedAmount advanced: $2,000
$2,000$50,000
Term, in months

Your vehicle secures the agreement. If the payments aren’t made as the agreement says, the vehicle can be repossessed.

Start an applicationSee what it costs

Annual percentage rate

not calculated

It counts S2 Funding LLC's interest and our fee.

An example, not an offer. The figures in an offer depend on the vehicle and your application.

The annual percentage rate will be printed here once our way of calculating it has been checked. The dollar figures above are this example's cost.

Payment · 1 month

Regular payment: $2,516.58
Interest, S2 Funding LLC, lender of record
Interest, S2 Funding LLC, lender of record: $16.58
Credit access business fee
Credit access business fee: $500.00
Finance charge
Finance charge: $516.58
Total of payments
Total of payments: $2,516.58

Terms of repayment: 1 monthly payment of $2,516.58.

If you pay off early, you won’t pay a penalty.

Who funds this, what we charge, how to cancel, and our registration status

Who funds this

S2 Funding LLC, lender of record, advances the funds. Dollar Loans LLC is the credit access business that arranges them.

How 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.

How to send the cancellation notice

Our registration status

The Office of Consumer Credit Commissioner licenses and examines credit access businesses in Texas. Texas credit access business registration: not yet issued.

Customer numbers

A dash stays a dash until there is a figure we can stand behind.

Customers funded
none yet
S2 Funding LLC, lender of record, is named on this page.
Time to a decision
not measured
The decision comes to you in writing.
Star rating
none yet
The Office of Consumer Credit Commissioner's phone and address are in the footer.

Customer reviews will go here. Each one will be a real person who said we could use their words.

Common questions

What does it cost?

Two charges make up the cost: a fee from Dollar Loans LLC, the credit access business that arranges the funding, and interest from S2 Funding LLC, lender of record. You see both in dollars on the calculator. The application starts with your name. The fee schedule is at /occc. See what it costs.

What if my credit is bad?

What we check on credit is being confirmed. We will never run a credit check just to show you a price. The amount depends on the vehicle's value and on your application.

When is the money sent?

Funds are sent once the signed agreement and the title check are clear. No application has been funded here yet, so there is no measured time to quote.

Can the vehicle be repossessed?

If the payments aren’t made as the agreement says, the vehicle can be repossessed. S2 Funding LLC, lender of record, holds the lien on the title while the agreement is in place. How repossession works, step by step

All questions
See what it costs

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 Commissioner

Regulator

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.