Exhibit 10.10

SECOND AMENDMENT TO CREDIT AGREEMENT

This SECOND AMENDMENT TO CREDIT AGREEMENT is made and entered into as of June 3,
2003 (as it may be modified, supplemented or amended from time to time in
accordance with its terms, this "Amendment") by and among E-LOAN AUTO FUND ONE,
LLC, a Delaware limited liability company (the "Borrower"), E-LOAN, INC., a
Delaware corporation (the "E-Loan"), and MERRILL LYNCH BANK USA, an industrial
loan company organized under the laws of Utah (together with its successors and
assigns, the "Lender") to the Existing Credit Agreement (as defined below).

BACKGROUND

WHEREAS

, the Borrower, E-Loan and the Lender entered into a Credit Agreement dated as
of June 1, 2002 (as amended, supplemented and otherwise modified, the "Existing
Credit Agreement"), pursuant to which the Lender extended financing to the
Borrower on the terms and conditions set forth therein;

WHEREAS

, the parties to the Existing Credit Agreement desire to amend the Existing
Credit Agreement to extend the Commitment Expiration Date for an additional
thirty (30) days;

NOW, THEREFORE

, in consideration of the premises and the mutual agreements herein contained,
the parties hereto agree as follows:

SECTION 1. Defined Terms. Capitalized terms used in this Amendment and not
otherwise defined herein shall have the meanings assigned to them in the
Existing Credit Agreement.

SECTION 2. Amendment. Effective upon the execution and delivery of this
Amendment the defined term "Commitment Expiration Date" in Schedule A of the
Existing Credit Agreement is hereby amended and restated in its entirety as
follows:

"Commitment Expiration Date"

means July 14, 2003 (unless otherwise extended by the Lender in its sole
discretion in accordance with the terms and conditions of Section 2.1 of the
Credit Agreement).

SECTION 3. Conditions Precedent. The effectiveness of this Amendment is subject
to (a) the due authorization, execution and delivery by the parties hereto of
this Amendment (including, without limitation Systems & Services Technologies,
Inc.) and (b) the due authorization, execution and delivery by the parties to
the Second Amendment to the Loan Agreement, dated June 3, 2003, between E-Loan,
Inc. and Merrill Lynch Mortgage Capital Inc.

SECTION 4. Representations, Warranties & Covenants. (a) The Borrower hereby
confirms that each of its representations, warranties and covenants set forth in
the Existing Credit Agreement, as amended by this Amendment, are true and
correct as of the date first written above with the same effect as though each
had been made as of such date, except to the extent that any of such
representations, warranties or covenants expressly relate to earlier dates.
Except as expressly amended by the terms of this Amendment, all terms and
conditions of the Credit Agreement and the other Credit Documents shall remain
in full force and effect and E-Loan and the Borrower hereby ratify their
respective obligations thereunder.

(b) The Borrower confirms that as of the date hereof its obligations under the
Existing Credit Agreement, as amended by this Amendment, and the other Credit
Documents are in full force and effect and are hereby ratified. The Borrower
represents and warrants that (i) the Termination Date has not occurred and no
Event of Default, or condition or event which, after notice or lapse of time or
both, will constitute an Event of Default, has occurred, (ii) it has the power
and is duly authorized to execute and deliver this Amendment, (iii) this
Amendment has been duly authorized, executed and delivered and constitutes the
legal, valid and binding obligation of it enforceable against it in accordance
with its terms, (iv) it is and will continue to be duly authorized to perform
its obligations under this Amendment and the other Credit Documents, (v) the
execution, delivery and performance by it of this Amendment does not and will
not require any consent or approval, which has not already been obtained, from
any Governmental Authority, equity owner or any other Person, and (vi) the
execution, delivery and performance by it of this Amendment shall not result in
the breach of, or constitute a default under, any material agreement or
instrument to which it is a party.

SECTION 5. Severability. Any provision of this Amendment which is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of such prohibition or unenforceability without invalidating the
remaining provisions of this Amendment or affecting the validity or
enforceability of such provision in any other jurisdiction.

SECTION 6. Governing Law. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH
AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICT OF
LAW PRINCIPLES; PROVIDED, THAT SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK
GENERAL OBLIGATIONS LAW SHALL APPLY, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF
THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH THE LAWS OF THE
STATE OF NEW YORK.

SECTION 7. Miscellaneous.

The parties hereto hereby agree that the amendments set forth in this Amendment
shall be incorporated into the Existing Credit Agreement. This Amendment
constitutes the entire agreement concerning the subject matter hereof and
supercedes any and all written and/or oral prior agreements, negotiations,
correspondence, understandings and communications.

Any reference to the Existing Credit Agreement from and after the date hereof
shall be deemed to refer to the Existing Credit Agreement as amended hereby,
unless otherwise expressly stated.

This Amendment shall be binding upon and shall be enforceable by parties hereto
and their respective successors and permitted assigns.

This Amendment may be executed by the parties hereto in several counterparts,
each of which shall be deemed to be an original but all of which shall
constitute together but one and the same agreement.

The headings appearing in this Amendment are included solely for convenience of
reference and are not intended to affect the interpretation of any other
provision of this Amendment.

[Remainder of page intentionally left blank.]

IN WITNESS WHEREOF

, the parties have caused this Amendment to be executed by their respective
officers thereunto duly authorized as of the day and year first above written.

E-LOAN AUTO FUND ONE, LLC,

as Borrower

By:______/s/_________________________
Name: Steven M. Majerus
Title: President

E-LOAN, INC.

By:______/s/_________________________
Name: Steven M. Majerus
Title: SVP, Capital Markets

MERRILL LYNCH BANK USA, as Lender

By:______/s/_________________________
Name: Michael Blum
Title: Managing Director

ACKNOWLEDGED AND AGREED:

SYSTEMS & SERVICES TECHNOLOGIES,
INC.

, as Servicer and Custodian

By:______/s/_________________________
Name: Joseph Booz
Title: Executive Vice President

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