Rates, Fees & Lending Disclosures
Last Updated: September 30, 2026
This disclosure page provides important information about the rates, fees, and terms associated with funding options that may be available through participating lenders in the Three Stick Lending network. Please read this information carefully before submitting a request. Three Stick Lending is not a lender and does not determine the rates, fees, or terms offered to you.
1. APR Range & Repayment Terms
Annual Percentage Rates (APR) from participating lenders in our network range from 5.99% to 35.99%. The specific APR offered to you, if any, depends on the lender's evaluation of your credit profile, income, and other factors. Repayment periods range from 61 days to 72 months. Not all lenders offer all repayment terms, and the terms available to you may vary based on your state of residence and the lender's policies.
APR Range
5.99% – 35.99%
Repayment Terms
61 days – 72 months
A higher APR may result in higher total repayment costs. Always review the full loan agreement provided by the lender before signing. You are never obligated to accept any offer.
2. Material Disclosures
Three Stick Lending does not charge consumers any fees for submitting a request through our Site. Our lead generation service is free to use. We are compensated by participating lenders for connecting them with consumers, not by you. You should never pay a fee to submit a request through our Site, and you are not obligated to accept any offer you may receive.
If a lender makes an offer and you choose to accept, the lender — not Three Stick Lending — determines all fees, interest rates, and repayment terms. Some lenders may charge origination fees, late payment fees, or insufficient funds fees. These fees, if applicable, will be disclosed in the lender's loan agreement. Always read the lender's agreement carefully and in full before signing.
3. Representative Loan Example
The following example is provided for illustrative purposes only and does not represent a specific offer. Actual rates, terms, and payment amounts vary by lender and depend on your individual circumstances.
| Detail | Value |
|---|---|
| Loan Amount | $2,500 |
| Term | 12 Months |
| APR | 15.00% |
| Monthly Payment | $225.65 |
| Total Repayment Amount | $2,707.80 |
In this example, a $2,500 loan with a 15.00% APR repaid over 12 months would result in 12 monthly payments of $225.65, for a total repayment of $2,707.80. The total cost of funding in this example is $207.80 in interest.
4. Implications of Late or Non-Payment
Each participating lender sets its own policies regarding late payments and non-payment. If you accept an offer from a lender and later miss a payment or are unable to repay, you should contact that lender directly as soon as possible. Late or missed payments may result in additional fees, increased interest rates, negative reporting to credit bureaus, collection activities, or other consequences as specified in the lender's loan agreement.
Consumers should carefully review the lender's loan agreement before signing to understand all fees, penalties, and consequences of late or non-payment. Three Stick Lending has no role in the collection process and cannot influence a lender's policies. If you have questions about late fees or repayment options, contact your lender directly.
For questions about these disclosures, contact Three Stick Lending at support@threestickslendlng.com or (833) 710-3200.