About Three Sticks Lending

About Us

Three Sticks Lending is an online lending resource that helps people meet their financial needs when they need it most by offering convenient online installment loans. AFS CS dba Three Sticks Lending is a wholly owned economic arm and instrumentality of the Rosebud Sioux Tribe of the Rosebud Indian Reservation, a federally recognized sovereign American Indian tribe in South Dakota (“Tribe”).

A tribal loan is a short-term financial resource and can be paid back in installment payments rather than paying off the loan on the next pay date (like a "payday loan"). Three Sticks Lending is committed to providing our customers with an easy and premier experience for their online installment loan requests.

Best Lending Practices

Effortless, Convenient Online Lending Source

We are committed to our customer’s safety, privacy and rights.

Customer Care

Our team is dedicated to providing customers with top-tier service and want you to feel comfortable asking questions or voicing concerns.

Data Security

Your personal information is safe and secure with us. We use cutting-edge security technology to protect your information from unauthorized access.

Complete Fee Disclosure

We are committed to providing full transparency. Our customers know exactly their total repayment amount before signing their loan.

Right to Cancel

You may cancel this loan and your payment obligations under this Agreement, without cost or finance charges, no later than 5:00 p.m. Central Time of the second business day immediately following the Disbursement Date.

Our License

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