Availability & Rates

Interest Rate on Loans

Interest Rate on Loans APR (Annual Percentage Rate) is the annual rate charged for borrowing money, expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. APR was designed to allow consumers the ability to evaluate a loan product over the course of a full year or 365 days, but we offer small installment loans that are designed to be paid between 10 to 18 months (term of the loan may vary). APR may vary for a number of reasons. Remember, this is an expensive form of borrowing and is not intended to be a long-term financial solution.

A copy of your loan details, finance charges, and APR will be fully disclosed to you in your loan agreement once you are approved for a loan. Contact our team today to see if you qualify for a loan with us.

Our Company adheres to all federal laws and regulations. Our company does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, on the basis of any protected class, or because all or part of an applicant’s income derives from any public assistance program or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Please note: This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs and are not intended to be a long-term financial solution.

*All loans are subject to credit approval.

Late Fee: If you make a payment more than 5 days late, you will be charged $20.00.

NSF Fee: If a payment is returned, you will be assessed a $30.00 NSF fee.

Prepayment: If you pay off your loan early, there is no penalty to do so. You will only pay the interest accrued on your loan up until your pay off date. AFS CS dba Three Sticks Lending encourages repayment as quickly as possible to save on finance fees.

For more details about this service and other terms of your loan, please refer to our Terms and Conditions. We do not always lend in every state. Our states of operation change frequently, please check back periodically to see if we are doing business in your state. Three Sticks Lending loans are currently available to residents of all states except Arkansas, Connecticut, District of Columbia, Illinois, Maine, Minnesota, New Hampshire, New York, Pennsylvania, South Dakota, Vermont, Virginia, West Virginia.

If you have any questions about Three Sticks Lending, please contact us or check out our FAQ’s for further information. Our hours of operation are Monday through Friday 7AM to 7PM and Saturday 8AM to 4:30PM Central Time. However, you can always email us at customerservice@threestickslending.com.

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