Get up to $3000 as soon as today*

Our loan process is fast and effortless, and you can be approved in minutes. Just follow the steps below...


Fill out our secure online loan application.


Receive your approval status and review your documents.


Finalize your loan by 2:00p.m. CT and get your funds that same day.*

Three Sticks Lending offers installment loans with perks:

An effortless, secure online process

No hidden fees

No prepayment penalty

Three Sticks VIP Rewards

Three Sticks Lending is here to help you take care of life

When you have an unexpected expense to cover, we can help get you the funds you need
to use however you want…

Car Repair

Home Repair

Medical Bills

Extra Utility Bills

Moving Costs

Family Emergencies

We make it easy to get the funds you need without the worry and wait

Get Rewarded with Three Sticks Lending!

We strive to give our valued customers the best loan experience possible. That’s why we designed our VIP Rewards Program to reward our customers for their loyalty! Three Sticks Lending VIP members may qualify for higher loan amounts AND extra perks for making on-time payments.

Need Help?

Frequently Asked Questions

Three Sticks Lending uses many factors to determine your loan amount eligibility. The loan amounts we have available for qualified borrowers range from $200 to $3,000.

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. You can request same-day funding if your application is reviewed and approved by 2:00 p.m. Central Time*.

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

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 the loan over a fixed period of time with regularly scheduled payments called installments. Payments are typically scheduled based on your pay frequency.

Three Sticks Lending is Your Reliable & Trusted Lender

At Three Sticks Lending, you can trust us to be open and transparent with you throughout the entire process to ensure you have the best loan experience possible. Plus, you can always pay off your loan at any time without penalty.