Three Sticks Lending Reviews: What Others Won’t Tell You

Three Sticks Lending Reviews

Hello readers! As an individual who has explored various lending platforms throughout the years, I am excited to provide you with an in-depth analysis of Three Sticks Lending Reviews. I understand the challenges of finding reliable lending sources, which is why I aim to equip you with the necessary information to determine if Three Sticks is the right choice for you. Let’s delve into the review!

What is Three Sticks Lending?

Three Sticks Lending is a reputable online lending platform that specializes in providing personal loans of up to $3,000. Setting themselves apart from large online lenders, Three Sticks Lending prides itself on offering a more personalized and relationship-based approach to lending.

Established in 2016 by the dynamic duo of John and Michael, the company was born out of a desire to combat predatory lending practices and provide a superior alternative. With a strong commitment to building genuine connections with borrowers and assisting them in achieving their financial objectives, Three Sticks Lending was created from the ground up.

The name “Three Sticks” is derived from an ancient parable that emphasizes the strength found in unity. Just as a bundle of sticks is difficult to break when bound together, each borrower-lender relationship at Three Sticks Lending contributes to the company’s overall resilience and success. This unique origin story adds an intriguing layer to the company’s mission and values.

Learn more:

What Loan Options Do Three Sticks Lending Offer?

Three Sticks simplifies the lending process by exclusively offering unsecured personal installment loans. Here are the key details:

  • Loan amounts range from $200 to $3000.
  • APRs fall between 5.99% and 35.99%.
  • Terms are available for 3 or 5 years.
  • No prepayment penalties are charged.
  • Approved borrowers can receive funds within 24 hours.

These loans cover a wide range of amounts and terms, making them suitable for various financial needs. The competitive APRs are appealing, although the actual rate will depend on your individual credit history.

A notable advantage is the transparency regarding fees, with the site promising “no fine print and no surprises.” This level of clarity ensures that borrowers know exactly what to expect in terms of costs before committing to a loan.

What Are the Benefits of Using Three Sticks Lending?

Based on the positive feedback from satisfied borrowers, Three Sticks offers a variety of key benefits:

Personalized Service

At Three Sticks, we are dedicated to thoroughly understanding your unique financial situation and goals. Our loan advisors provide personalized, one-on-one assistance to ensure you receive funding that aligns with your specific needs. Borrowers have praised our advisors for their attentive listening skills and ability to tailor options to individual circumstances, highlighting the exceptional customer service we provide.

Quick Access to Funds

As an online lender, Three Sticks has the advantage of offering fast funding upon approval. We strive to provide funds as quickly as the next business day, depending on the approval time. Even our maximum timeline of 5 business days is significantly faster than traditional bank loans, ensuring you have access to the funds you require promptly.

Flexible Payment Options

Three Sticks offers the flexibility of choosing between bi-monthly or weekly payment schedules. More frequent payments can facilitate responsible loan management, and borrowers can make additional payments without incurring penalties to expedite loan repayment. Our borrower-friendly repayment options are designed to accommodate your financial needs effectively.

Educational Resources

Our website features a wealth of free educational resources aimed at assisting borrowers in making informed financial decisions. You can access informative articles and videos on topics such as credit improvement, budgeting, debt management, and more. We believe that education is key to financial empowerment, and we are committed to equipping borrowers with the necessary skills for smart money management.

By choosing Three Sticks, you are not only gaining access to financial assistance but also a partner dedicated to your financial well-being and success.

What Are the Potential Downsides?

To provide a comprehensive overview, here are a few key points for borrowers to consider:

High-Interest Loans

Although Three Sticks offers competitive rates, a personal loan with an APR of around 36% still entails paying a significant amount of interest. It is essential to assess whether you truly need the loan and have a solid plan in place to repay it responsibly.

Origination Process Time

The process of submitting documents and obtaining approval from Three Sticks may take 1-2 weeks, which is slower compared to some online lenders. However, Three Sticks emphasizes that this extended timeline allows for more careful and responsible lending decisions.

If you require immediate funding, you may prefer a lender with a faster application process. Nevertheless, the additional scrutiny applied by Three Sticks could provide you with greater peace of mind.

Maximum Loan Amount is $3,000

While $3,000 is a substantial sum, other lenders may offer higher loan limits. Therefore, individuals seeking to consolidate significant amounts of debt may discover more favorable options elsewhere.

What Types of Borrowers is Three Sticks Best For?

Based on the services provided by Three Sticks, I have identified specific borrower profiles that I believe would benefit the most from their offerings:

Individuals Seeking a Personalized Experience

For those who value personalized guidance and high-touch customer service, Three Sticks is an excellent choice. Their advisors take the time to explain options thoroughly and ensure that borrowers understand all aspects of the loan details.

Borrowers With Fair to Good Credit

To qualify for the lower APR loans offered by Three Sticks, borrowers should have decent credit, typically around 600+ FICO score. Individuals with prime or near-prime credit are likely to have the best chance of securing Three Sticks’ competitive rates.

Individuals in Need of $3k or Less

With the average loan amount at Three Sticks loan being around $2k, they are a strong option for those seeking smaller loans. These loan amounts are manageable even with higher interest rates, making Three Sticks a viable choice for individuals in need of smaller financial assistance.

Goal-Oriented Borrowers

Three Sticks is best suited for individuals who have specific goals in mind when taking out a loan. Whether it’s getting out of debt, renovating a home for sale, or expanding a small business, having a clear plan for the funds can greatly benefit borrowers utilizing Three Sticks as a short-term financial tool.

How Does the Application Process Work?

Is Three Sticks Lending Legit

When applying for a loan from Three Sticks, you can expect a simple and efficient process. Here’s a breakdown of what to anticipate:

  • Initial Form: To begin, you will fill out a brief contact form requesting basic personal and loan information. This step pre-qualifies you for loan options.
  • Loan Advisor Call: If you meet the requirements, a loan advisor will reach out to discuss your needs and initiate the application process.
  • Document Submission: You will be required to provide documents to verify your identity and income source. This typically includes items such as a:

– Photo

-Pay stubs

-Bank statements

4. Review and Decision: Three Sticks will carefully review your complete application and make a loan decision, typically within one business day.

5. Funding: Upon approval, you will confirm the final loan details and your funds will be deposited as soon as the next business day.

Overall, the process is straightforward and streamlined. The personalized assistance from a dedicated loan advisor adds a valuable touch to the experience.

Are There Any Loan Requirements or Stipulations?

To qualify for a loan with Three Sticks, you must meet some basic eligibility standards:

Credit Score

Each loan product has a minimum required score, typically around 600 FICO or higher.


You need to have consistent, verifiable income from employment, self-employment, retirement, or other sources.


Applicants must be 18 years old.


Three Sticks currently only offers loans to residents in 20 U.S. states. Visit their website for the most up-to-date information on state coverage.

Existing Three Sticks Loans

You cannot have more than one active loan with Three Sticks at a time.

Bank Account

An active account is required to receive the loan amount.

If you meet these requirements and have decent credit, you should be well-positioned to qualify for a loan with Three Sticks.

How Do Real Borrowers Feel About Three Sticks Lending?

I firmly believe that third-party reviews provide the most accurate assessment of a lending experience. Below are excerpts from a selection of customer testimonials for Three Sticks:

“Working with the loan advisor was a pleasant experience. They helped me secure an affordable payment plan that aligns perfectly with my budget. The entire process was efficient and painless!” – Chris, Utah

“I was facing a tight deadline to secure additional capital for my business expansion. Three Sticks came through with lightning speed – I had the funds in my account within two days!” – Amanda, Wisconsin

“Despite having less-than-ideal credit, I was able to qualify for a loan with a reasonable rate. This loan has already helped me consolidate debt and improve my credit score.” – Daniel, California

The recurring themes in these testimonials are personalized service, quick funding, and satisfaction with the interest rates offered. It is evident that Three Sticks is consistently delivering on their core promises to their customers.

Is Three Sticks Considered a Direct Lender?

Yes, Three Sticks is a direct lender, which means that when you borrow from them, you will work directly with Three Sticks throughout the entire lending process.

The advantage of direct lending is that you will be dealing with the same company from the application stage to the funding stage. You will not be handed off to an outside entity; instead, you will have a dedicated point of contact with your Three Sticks loan advisor. This ensures a consistent and personalized experience throughout your loan process.

Some other benefits of direct lending include:

  • Predictable loan terms since they all come from one source.
  • Faster funding because there are no middlemen involved.
  • Better customer service with a dedicated team.

Overall, direct lenders such as Three Sticks offer a more streamlined and efficient borrowing process.

How Do Three Sticks Compare to Upstart?

Upstart, a well-known online lending platform, is a popular choice among borrowers. Let’s compare how it measures up against Three Sticks:Loan amounts: Upstart stands out by offering larger maximum loans of up to $50,000.

Approval factors

Unlike Three Sticks, Upstart considers factors such as education and employment history in addition to credit when making approval decisions. This approach increases the chances of more borrowers qualifying for a loan.

Interest rates:

While Upstart offers competitive rates, Three Sticks may have the edge for certain borrowers.
Loan terms:

Loan terms:

Three Sticks provides more flexibility with 3-year loan options, whereas Upstart offers 3 and 5-year terms.


Upstart charges origination fees, which is not the case with Three Sticks

Application process:

Upstart boasts a speedy 100% online application process, while Three Sticks takes a bit longer but provides personalized guidance.
In conclusion, Upstart is ideal for those seeking larger loan amounts, while Three Sticks offers a tailored lending experience. Both platforms are reliable options for online borrowing.

5 Key Takeaways from My Three Sticks Lending Reviews

If you have reached this point, you should now have a comprehensive understanding of the advantages and disadvantages of Three Sticks Lending. Here are the key points to remember:

  • Three Sticks offers unsecured personal loans of up to $3000.
  • Their lending approach emphasizes establishing personal connections with borrowers.
  • Loans can be approved and funded in as quickly as one business day.
  • While their interest rates are competitive, they can go as high as 36% APR.
  • This lender is an excellent choice for those seeking personalized service and smaller loans under $10k.
  • However, Three Sticks may not be suitable for every situation. Nonetheless, for many borrowers, it can serve as a reliable source of financial assistance. I trust that this review has provided you with the necessary information to make a well-informed decision.

Frequently Asked Questions about Three Sticks Lending Reviews

Still have questions? Here are quick answers to some common FAQs about Three Sticks:

Does Three Sticks charge an origination fee?

No, Three Sticks does not have any origination or prepayment fees. The only cost you will incur is the interest paid over the loan term.

Can I apply for a Three Sticks loan with bad credit?

While it is possible, you will need at least fair credit (600+ score) to qualify for a loan. Having a credit score below 600 will make approval unlikely.

How long does it take to receive loan funds from Three Sticks?

In most cases, you can expect to receive your loan within 1-2 business days after approval. Some borrowers have reported receiving funds in as little as 24 hours.

In which states does Three Sticks operate?

As of November 2023, Three Sticks lends in 20 U.S. states. For the most up-to-date list of lending states, please visit their website.

Can I have multiple loans with Three Sticks?

No, Three Sticks only allows borrowers to have one active personal loan at a time. Multiple loans from Three Sticks cannot be stacked.

That’s the full lowdown on Three Sticks Lending! If you have any other questions, feel free to ask. I hope this information helps you make an informed borrowing decision. Thank you for reading!

You might like:

Similar Posts