Quick Help for Life's Unexpected Costs

Request installment loan options online and review clear terms before you choose. Most decisions in minutes.

Secure request
No obligation
Clear terms first

Takes about 2–3 minutes

How It Works

1

Complete Secure Request

Fill out a simple online form with your basic info

2

Get Matched

We connect you with potential lenders who may offer terms

3

Review & Choose

Compare options and select terms that work for you

People Use This For

Help when you need it most

Unexpected Bills

When surprise expenses pop up

Car Repair

Transportation costs you can't delay

Medical Expenses

Healthcare and dental costs

Rent & Utilities

Timing gaps between paychecks

Debt Consolidation

Simplify multiple payments

Moving Expenses

Relocation and setup costs

Borrower Feedback Highlights

"The steps were straightforward and easy to follow."

"I liked seeing the terms before making any decision."

"The request process felt secure and quick."

Three Sticks Lending is Not a Lender

We are a connection service that helps match borrowers with potential lenders. We do not make credit decisions or determine loan terms. When you submit a request, we share your information with lenders in our network who may offer you loan options.

Rate and Term Information

Representative APRs typically range 4.95%–35.95% APR (always below 36%). Final rate and terms are set by the lender based on your credit profile, income, and other factors. Not all applicants will qualify for the lowest rates or maximum loan amounts.

Loan Range: $200–$5,000
Term Range: 65 days – 84 months

Funding Timeline

Funding can be as soon as same day where available. However, funding speed depends on lender approval, time of day you're approved, and your bank's processing times. Not all applicants will qualify for same-day funding.

State Availability

This service is available only in the USA. We do not currently serve residents of New York, Arkansas, West Virginia, or Vermont.

Common Questions

Most people complete the request form in about 2–3 minutes. After submitting, many applicants receive a decision within minutes, though some requests may take longer depending on lender review processes.

Submitting a request through our service typically involves a soft credit inquiry that does not affect your credit score. However, if you choose to proceed with a lender's offer, they may perform a hard credit inquiry which can impact your score.

No. We cannot guarantee you will receive a loan offer. Lenders make their own approval decisions based on their criteria. However, we work with multiple lenders to maximize your chances of finding a match.

You'll need basic information including your name, address, date of birth, Social Security number, employment details, and bank account information. You must be at least 18 years old and a US resident in an eligible state.

Yes. We use industry-standard encryption and security measures to protect your personal information. Your data is only shared with lenders in our network and service providers as described in our privacy policy.

Ready to Get Started?

Complete your secure request in minutes and review options from our network of lenders.

Start My Secure Request

Trusted by thousands of borrowers