Last Updated: January 1, 2026
The following disclosures are provided in accordance with applicable federal and state regulations governing financial product advertising, including the Truth in Lending Act (TILA) and the Google Financial Products and Services policy.
THREESTICKS is not a lender, loan broker, or agent for any lender. We are an online connection service that connects interested persons with third-party lending partners. We do not take applications, make credit decisions, or broker loans. The submission of your information through our online form does not guarantee that you will be connected with a lender or receive a loan offer. We do not endorse any specific lender and do not charge any fees for our connection service.
The Annual Percentage Rate (APR) is the cost of credit as a yearly rate. The APR offered by third-party lending partners ranges from 5.99% to 35.99%. The actual APR you receive depends on the lending partner, your creditworthiness, the loan amount, and the repayment term. Not all applicants will qualify for the lowest rate.
Not all lending partners offer all loan amounts or repayment terms. The actual loan amount and terms offered to you will depend on the lending partner and your qualifications.
A $1,500 loan with an APR of 24.99% and a 12-month repayment term would result in 12 monthly payments of approximately $141.91. The total amount repaid would be approximately $1,702.92, with total interest of approximately $202.92.
A $2,500 loan with an APR of 18.99% and a 24-month repayment term would result in 24 monthly payments of approximately $126.05. The total amount repaid would be approximately $3,025.20, with total interest of approximately $525.20.
A $5,000 loan with an APR of 12.99% and a 36-month repayment term would result in 36 monthly payments of approximately $168.26. The total amount repaid would be approximately $6,057.36, with total interest of approximately $1,057.36.
If you accept a loan from a third-party lending partner, late or missed payments may result in additional fees, increased APR, and negative impacts on your credit score. Each lending partner has its own policies regarding late payments, non-payment, and collections. You should carefully review the lending partner's terms and conditions before accepting any loan offer.
Some third-party lending partners may perform credit checks with one or more credit reporting agencies (such as Equifax, Experian, or TransUnion) as part of their underwriting process. These credit checks may impact your credit score. Other lending partners may use alternative credit data or may not perform traditional credit checks. By submitting your information through our Site, you authorize lending partners to obtain your credit report and verify your information.
Not all lending partners are available in all states. The availability of loans and loan terms may vary by state and by lender. Residents of certain states may not be eligible for certain loan products. We do not guarantee that you will be connected with a lender in your state.
Loan renewal policies vary by lender and by state. Some lenders may offer loan renewals or extensions, which may involve additional fees and interest. You should carefully review the lender's renewal policy before accepting a loan offer. We encourage you to use loans responsibly and to borrow only what you can afford to repay.
THREESTICKS receives compensation from third-party lending partners for the referral of customers. This compensation may affect the placement and order in which lending partners appear, but does not affect the loan terms you may be offered. The compensation we receive does not influence our recommendations or the information we provide.
This service is provided for informational purposes only and does not constitute an offer or solicitation for a loan. This website receives compensation from third-party lending partners for the referral of customers, which may affect the placement of offers. Short-term financial requests are not intended to be long-term financial solutions. Individuals facing financial difficulties should consider seeking the advice of a qualified financial counselor. For more information, please visit the Federal Trade Commission website.
If you have questions about these lending disclosures, please contact us at: