Last Updated: January 1, 2026
Welcome to threesticklendings.com (the "Site"), operated by THREESTICKS ("we," "us," or "our"). By accessing or using our Site, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site.
THREESTICKS is an online connection service. We are not a lender, loan broker, or agent for any lender. We do not take applications, make credit decisions, or broker loans. We connect interested persons with third-party lending partners who may be able to provide the financial services they are seeking. We do not guarantee that you will be connected with a lender or receive a loan offer.
To use our Site and submit a loan request, you must: (a) be at least 18 years of age; (b) be a U.S. citizen or permanent resident; (c) have a valid Social Security Number; (d) have a regular source of income; and (e) have an active bank account.
You agree to use the Site only for lawful purposes. You agree not to: (a) submit false, inaccurate, or misleading information; (b) use the Site to impersonate any person or entity; (c) attempt to interfere with the proper functioning of the Site; (d) use automated systems or scripts to access or collect information from the Site; (e) use the Site in any manner that could disable, overburden, or impair the Site; or (f) use the Site in violation of any applicable law or regulation.
You are responsible for providing accurate, current, and complete information when submitting a loan request. You authorize us to share your information with third-party lending partners and related service providers. By submitting your information, you consent to our Privacy Policy and our E-Consent terms.
All content on this Site, including text, graphics, logos, and design elements, is the property of THREESTICKS or its licensors and is protected by U.S. and international copyright and trademark laws. You may not reproduce, distribute, or create derivative works from the Site without our prior written consent.
We are not a party to any agreement between you and a third-party lending partner. We do not control and are not responsible for the actions, decisions, products, or services of any lending partner. You should carefully review the terms and conditions of any loan offer before accepting it. If you have a dispute with a lending partner, you should address it directly with them.
The Site and our service are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the Site, including any warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any loan request will result in a connection with a lender.
To the maximum extent permitted by law, THREESTICKS shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the Site, our service, or any loan obtained through a third-party lending partner.
You agree to indemnify and hold harmless THREESTICKS and its affiliates from and against any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Site or your violation of these Terms.
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.
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in California.
We may update these Terms from time to time. We will notify you of any material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
If you have questions about these Terms, please contact us at: