Modern Lending
Built for You

We do not report to the three major credit bureaus. We may verify applicant information and obtain information from national databases and consumer reporting agencies, including Clarity and Factor Trust, to evaluate eligibility and ability to repay.

We issue loans in accordance with the Tribe’s Tribal Consumer Financial Services Regulatory Code and we are licensed under Tribal law. Three Sticks Lending is not subject to State law, but rather applicable Tribal and federal law, and is not required to be licensed within your State. You may view our Tribal license on our website.

If you have any concerns, we are committed to helping resolve them! Please contact our Customer Advocacy Team at customerservice@threestickslending.com or call us at (844) 328-1024.

We do not lend in all states at this time. If your state is not currently available, please check back as we frequently add new states.

Three Sticks Lending is a trusted lender providing consumer Installment Loans to help with unexpected expenses. We offer great customer benefits! We know when you need funds, you need it as soon as possible, which is why we offer FREE same-day funding

We consider all types of credit backgrounds. You are welcome to apply.

To apply for a loan, you need to be at least 18 years old, not currently involved in a bankruptcy proceeding, and be able to provide us with verifiable contact information, income, and an active checking account.

At Three Sticks Lending, you can pay off your loan at any time without penalty. If you choose to pay off your loan early, you will be responsible for amounts accrued and due up to your payoff date. Paying off your loan early may reduce the total finance charges. To make an early payment, please contact our Customer Care Team at least three business days before your next payment is due/scheduled at (844) 328-1024.

Three Sticks Lending can make an Automatic Withdrawal (ACH) from your bank account. This is the quickest and easiest method of making your loan payments. Other payment methods such as debit cards, cashier’s checks, or money orders are also accepted. Your Loan Agreement includes a detailed payment schedule with amounts and due dates. Three Sticks Lending encourages you to pay off your loan early without penalty. If you choose to pay off your loan early, you will be responsible for amounts accrued and due up to the payoff date, and paying early may reduce the total finance charges. If you wish to pay off your loan early, please call us at least three business days prior to your next scheduled payment date. Our Customer Care Team is available at (844) 328-1024 to assist you in paying off your loan or to answer any questions about the terms of your loan and/or payment schedule.

Our loan process is fast and easy. Once you fill out your online loan application, we will send you an email about your application status. Loan application information may be subject to verification prior to finalizing the loan application process. If the loan application is approved, we will send you your Loan Agreement. You are required to review and agree with the Terms and Conditions of the Loan Agreement, prior to electronically signing. Funds from Three Sticks Lending are usually deposited as soon as the next business day after your loan application is approved. Weekends and bank holidays are not considered business days. Some loans may be eligible for free same-day funding if approved Monday through Friday by 2:00 p.m. Central Time. For expedited funding inquiries call our Customer Care Team at (844) 328-1024.

For most customers, your funds will be deposited in your bank account as soon as the next business day after your application has been processed and approved. Same-day funding may be available if your application is reviewed and approved by 2:00 p.m. Central Time. . For loans that are processed on weekends or bank holidays, your funds will be available as soon as the next business day (weekends and bank holidays are not considered business days). To help the funding process go as quickly as possible, keep an eye out for your confirmation emails, as they may contain important information about the status of your loan. Check your spam folder if you don’t see these emails in your inbox.

Funds from Three Sticks Lending are usually deposited as soon as the next business day after your loan application is approved. Weekends and bank holidays are not considered business days. The actual deposit time may depend on the processing schedule and policies of your individual bank. If your funds have not been deposited by the next business day, we recommend checking your Loan Agreement to verify that your routing number and account numbers are correct. If the banking information on your Loan Agreement is incorrect, please call our Customer Care Team at (844) 328-1024. To access your Loan Agreement, please log in to your account at members.threestickslending.com.

You may cancel this loan and your payment obligations under the Loan Agreement, without cost or finance charges, no later than 5:00 PM Central Time of the second business day immediately following the Disbursement Date (“Cancellation Deadline”). Your Disbursement Date is the Loan Agreement Date on your Loan Document. This may not be the same date that your financial institution makes the funds available to you. If you would like to cancel your loan, please call us as soon as possible at (844) 328-1024. If the cancellation deadline passes, you can still pay off your loan early without penalty. You will be responsible for amounts accrued and due up to l your payoff date. More information about our cancellation policy can be found in your Loan Agreement by logging into your account at members.threestickslending.com.

APR (Annual Percentage Rate) is the annual rate charged for borrowing money, expressed as a single percentage that represents the cost of the loan on a yearly basis. APR is designed to allow consumers the ability to evaluate and compare loan products over a standard one-year period. Our installment loans are typically designed to be repaid over 10-18 months (term may vary), so APR may not fully reflect the total cost over the shorter loan term. This is an expensive form of borrowing and is not intended to be a long-term financial solution.

There are many factors that go into determining the APR. This is an expensive form of credit, and we encourage customers to consider paying off their loan early. Your Loan Agreement includes specific details regarding payment amounts, payment dates, rates (APR), and applicable fees. Your Loan Agreement is available to review and download at any time during the life of your loan by logging in to your account at members.threestickslending.com.

Three Sticks Lending uses many factors to determine your loan eligibility and amount. Loan amounts for qualified borrowers range from $200 to $3,000. The maximum loan amount is $3,000 for first-time customers. Not everyone will qualify for the maximum loan amount.

Three Sticks Lending provides consumer installment loans. An installment loan is a type of loan where you borrow a set amount of money and repay it over a fixed period of time with regularly scheduled payments, called installments. Payments are typically scheduled based on your pay frequency. The term of the loan may vary but is typically 10-18 months. You can pay off your loan at any time without penalty. If you choose to pay off your loan early, you will be responsible for amounts accrued and due up to the payoff date. To make an early payment, please contact our Customer Care Team at least three business days before your next payment is due/scheduled at (844) 328-1024. Examples of installment loans include auto loans, mortgage loans, and student loans.

Three Sticks Lending only accepts valid checking accounts in your name. We do not accept prepaid card accounts.

If you would like to make a payment before your due date, please contact our Customer Care Team at (844) 328-1024 at least three business days in advance.

At Three Sticks Lending, we understand that unforeseen circumstances happen. If you cannot make your payment on the due date, please contact our Customer Care Team at least three business days before your next scheduled payment date at (844) 328-1024 and we will work with you to find a solution.

If you need to change the date of your loan payment(s), please contact our Customer Care Team at (844) 328-1024 at least three business days before your next scheduled payment date.

At Three Sticks Lending, you can pay off your loan at any time without penalty. You will be responsible for amounts accrued and due up to the payoff date. To make an early payment, please contact our Customer Care Team at least three business days before your next scheduled payment date at (844) 328-1024.

In most cases, the installment payment schedule on our loans is generated to match your pay frequency.

If you have concerns about past due payments, please contact our in-house finance department at (844) 328-1024 and we will work with you to find a solution.

Your Loan Agreement is accessible at any time by logging in to your account at members.threestickslending.com.

If you have moved and need to update your address on file, please contact our Customer Care Team at (844) 328-1024.

To update your banking information, please contact our Customer Care Team at (844) 328-1024. We request that banking information changes be submitted at least three business days before your next scheduled payment date to ensure the upcoming payment is processed using the updated information. If changes are not submitted at least three business days prior to your scheduled payment date, the upcoming payment may not be processed using the updated banking information, but all future payments will be processed using the updated information.

Three Sticks Lending uses industry-standard security measures to protect your personal information from unauthorized access. You may review our Privacy Policy for more details.

If you have any questions or concerns please contact our Customer Care Team at (844) 328-1024. You also have the right to file a dispute with the Tribe’s Financial Services Licensing & Regulatory Commission.