You were selected for this offer based on prior performance history that satisfied the lender’s criteria for creditworthiness. Certain events or changes to your information may impact your eligibility. This offer is not guaranteed and may be modified, revoked, or canceled at any time. If you reside in a state in which we do not provide services, you will be ineligible for this offer. Minimum offer $200.00. In addition, to accept this offer, you must be 18 years of age or older. This offer may be accepted only by the person identified in this offer and may not be transferred to any other party.

AFS CS dba Three Sticks Lending is a wholly owned subsidiary of Rosebud Economic Development Corporation (“REDCO”), a sovereign economic arm, enterprise, and instrumentality of, and created under the laws of and for the benefit of, the Rosebud Sioux Tribe, a federally recognized sovereign American Indian tribe in South Dakota, which abides by the principles of federal consumer finance laws, as incorporated under the laws of the Rosebud Sioux Tribe.

Any instance of late or non-payment may be subject to an additional late fee of $20 per missed payment, NSF fees of $30 per missed payment as well as applicable collection activities.

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*First time Three Sticks Lending customers typically qualify for an installment loan of up to $1,200 with an APR of 690%. Not everyone will qualify for the maximum loan amount. The Annual Percentage Rate (APR) for an example loan of $826 is 690% with 20 bi-weekly payments of $321.36. This example also assumes that all payments are made on time and in accordance with the loan agreement. Annual percentage rates (APRs) may vary based on loan term. The APR is subject to being changed at any time without advance notice. See ThreeSticksLending.com for more information. Visit our website, ThreeSticksLending.com for frequently asked questions. Complete disclosures of APR, fees and payment terms are provided within your consumer Loan Agreement. Typically, for loans that are approved by 2 p.m. Central Time (Monday–Friday, excluding bank holidays), loan proceeds may be funded the same day. Deposit times may vary depending on your financial institution. Same-day funding is not available in all states. Three Sticks Lending is not responsible for any additional charges applied by your financial institution. Loans that are approved and accepted after 2 p.m. Central Time (Monday–Friday, excluding bank holidays) and before 7:00 p.m. Central Time (Monday–Friday, excluding bank holidays) may be funded the following business day. Note that errors in your application, particularly with bank routing and account numbers, will impact our ability to fund and cause delays. In some cases, a customer service representative may contact you to verify your information before we can finalize and approve your loan.

**This is an expensive form of borrowing. Three Sticks Lending loans are designed to assist you in meeting your emergency borrowing needs and are not intended to be a long-term financial solution. Before borrowing, please consider whether you will be able to repay the amount you borrow. Three Sticks Lending encourages quick repayment so you can save on finance fees. You will only pay the interest accrued until your payment date.

If you have any questions about this offer, please call (866) 352-4755, Monday through Friday 7AM to 7PM and Saturday 8AM to 4:30PM CST. To obtain a loan, you must have a valid checking account, e-mail, verifiable identity, and verifiable minimum income. Applications can be completed online only at www.threestickslending.com.