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Texas consumer disclosure

Dollar Loans LLC d/b/a Dollar Loanz is a Texas Credit Access Business, registered with the Office of Consumer Credit Commissioner. It arranges the funding and charges the Credit Access Business fee. Our licensed third-party lender advances the funds and charges the interest. The annual percentage rate counts both, and it is shown before you sign.

Look us up with the Office of Consumer Credit Commissioner. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705. Consumer helpline (800) 538-1579. Full disclosure and fee schedule

Texas Credit Access Business, registered with the Office of Consumer Credit Commissioner. Consumer helpline (800) 538-1579. Full disclosure

Applying

What you need to apply

Have your title, proof of income and insurance ready. We start from your plate, so you do not type the year, make or model.

What we need from you

The title in your name
We will name the exact requirement when you apply.
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.
A Texas address
We will name the exact requirement when you apply.
The vehicle, for an inspection
Where the inspection happens is being confirmed.
Your credit
We will never run a credit check just to show you a price.

The documents you photograph

The application asks for each of these in turn. A photo from your phone works.

  • Vehicle title

    A photo is fine. JPG, PNG or PDF, up to 15 MB.

    The title is the whole basis of the agreement — it shows the vehicle is yours and whether anyone else has a claim on it.

  • Photo ID

    Driver’s license or state ID. Front side. JPG or PNG.

    Federal rules require us to confirm you are who you say you are before any funds are advanced. It also stops somebody else using your title.

  • Insurance

    The declarations page — the one with the dates and the VIN.

    The agreement requires the vehicle to be insured. We check the dates and the VIN, nothing else on the page.

  • Proof of income

    A recent pay stub, a benefits letter, or a bank statement.

    Your income sets a ceiling on the amount advanced. It is a limit on us, not a judgment about you.

  • Odometer

    Engine on, every digit readable.

    Mileage moves the vehicle valuation more than almost anything else, and the valuation sets how much you can be offered. One photo beats an estimate.

  • VIN plate

    Driver-side dash through the windshield, or the door-jamb sticker.

    The VIN ties the title, the insurance and the valuation to one specific car. We read it off the photo and show it to you to confirm — we never file it without you looking at it first.

The application is ready when you are.

Have your title, your insurance card and a document that shows your income nearby.

Start your applicationSee your cost

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 Commissioner

Regulator

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.