What it costs
Two charges make up the cost. You see both in dollars, and together as one APR, before you apply.
The two charges
| Charge | Paid to | How it’s worked out |
|---|---|---|
| Arranging fee (Dollar Loanz) | Dollar Loanz | $25 per $100 of the amount advanced, per month |
| Lender interest | Our licensed third-party lender | 9.95% a year on the amount advanced, for the whole term |
Never charged
- An application fee
- Fees at signing
- A prepayment penalty
- A charge for using your right to cancel
$2,000, by term
What $2,000 advanced costs at every term, worked out by the same calculator you use.
| Term | Arranging fee (Dollar Loanz) | Lender interest | Total cost | Total of payments | APR |
|---|---|---|---|---|---|
| 1 month | $500.00 | $16.58 | $516.58 | $2,516.58 | 309.95% |
| 2 months | $1,000.00 | $33.17 | $1,033.17 | $3,033.17 | 394.69% |
| 3 months | $1,500.00 | $49.75 | $1,549.75 | $3,549.75 | 422.99% |
| 4 months | $2,000.00 | $66.33 | $2,066.33 | $4,066.33 | 431.39% |
| 5 months | $2,500.00 | $82.92 | $2,582.92 | $4,582.92 | 431.60% |
| 6 months | $3,000.00 | $99.50 | $3,099.50 | $5,099.50 | 428.23% |
Another amount? See your cost
The fee schedule
Fee schedule
Effective 2026-09-14
- Standard fee rate: Arranging fee (Dollar Loanz)
- $25 per $100 of the amount advanced, per month
- Lender interest
- 9.95% a year on the amount advanced, for the whole term
- Annual percentage rate
- By term, on $2,000 advanced
- 1 month: 309.95%
- 2 months: 394.69%
- 3 months: 422.99%
- 4 months: 431.39%
- 5 months: 431.60%
- 6 months: 428.23%
- Fees at signing
- None
- Standard term
- 1 to 6 months, paid monthly
- Late fee
- None
- Returned-payment (NSF) fee
- None
How we’re paid
Dollar Loanz is paid the arranging fee, for arranging your funding and servicing your account. Our licensed third-party lender provides the funds and is paid the interest.
Paying off early
Pay off in full at any time. There is no prepayment penalty. Your payoff figure is in your account, dated, whenever you ask.
Your rights, in writing
- 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.
- There is no prepayment penalty.
- Every charge is in your agreement, in dollars and as an APR, before you sign.
- The Office of Consumer Credit Commissioner licenses and examines credit access businesses in Texas: 2601 North Lamar Boulevard, Austin, TX 78705, (800) 538-1579.
Ready when you are
Start your application, or see your cost first. Nothing is owed until you sign.
The terms in brief
- Your vehicle secures the agreement. A lien is recorded on your title while the agreement is in place, and the vehicle can be repossessed if payments aren’t made as agreed.
- Pay off early at any time. There’s no prepayment penalty.
- Changed 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.
- Your full cost is shown in dollars and as an APR before you sign.
Who you are dealing with, and what it costs
- Dollar Loans LLCCredit Access Business
- Arranges the funding and charges the Credit Access Business fee of $25 per $100 of the amount advanced, per month. With the lender's interest, the annual percentage rate is 309.95% to 431.60%, depending on the term.
- Our licensed third-party lenderLender
- Advances the funds and charges interest of 9.95% a year on the amount advanced, for the whole term. That rate is the lender's part only and is not the annual percentage rate of this agreement. The annual percentage rate, with both charges counted, is 309.95% to 431.60%, depending on the term.
Registration
Texas Credit Access Business, registered with the Office of Consumer Credit Commissioner
Look us up 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
- Annual percentage rate 309.95% to 431.60%, depending on the term: $25 per $100 of the amount advanced, per month, charged by Dollar Loans LLC, plus interest of 9.95% a year on the amount advanced, for the whole term, charged by the lender.
- Annual percentage rate
Annual percentage rate, both charges counted: 309.95% to 431.60%, depending on the term.
- The annual percentage rate is 309.95% to 431.60%, depending on the term. It counts our arranging fee and the lender's interest as one yearly figure, worked out by the actuarial method Regulation Z sets out. It is the figure to compare. The lender's interest on its own, 9.95% a year on the amount advanced, for the whole term, 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. Annual percentage rate 309.95% to 431.60%, depending on the term. Full fee schedule at /occc. These disclosures are effective September 14, 2026.