About 3BCash — A Direct Installment Lender Since 2007

3BCash is the online brand of Three B Financial, LLC, a direct lender that has offered installment loans since 2007. We were built around a simple idea from day one: get you back in control of your financial situation with fixed payments, no hidden fees, and none of the lump-sum pressure of a traditional payday loan.

Apply Now Soft credit check · Approval not guaranteed

Our Story

Three B Financial, LLC started making installment loans in 2007, long before "fintech" was a buzzword. From the beginning, the mission was straightforward: design loans that get borrowers back in control of their financial situation instead of digging them deeper into one. That meant walking away from the payday-loan model of a single balloon payment due on your next check, and building fixed installment loans instead — principal paid down with every payment, on a schedule you can see in advance.

We've stayed a direct lender the entire time. When you apply with 3BCash, you're applying with the company that actually funds and services the loan — not a marketplace that resells your application to the highest bidder, and not a broker who hands you off to someone else. The people who review your application, run the soft credit check, and set your payment schedule are the same people you'll talk to if you ever have a question about your loan.

Being a direct lender also means we control the whole process end to end, so we can be specific instead of vague about how things work: how fast a decision comes back, when funds actually arrive, and what happens if you want to pay off a loan early. We'd rather tell you plainly what to expect than make a promise we can't keep.

Our Mission

The idea behind 3BCash, going back to our earliest years, was to build loans "designed to get you back in control of your financial situation" — not to trap you in one. In practice, that shows up in three places: how we structure repayment, how we talk about cost, and how we treat borrowers who hit a rough patch.

Our loans are not payday loans. A payday loan is typically due in full on your very next payday, which can turn one bad week into a cycle of borrowing just to cover the last loan. We structure our installment loans differently, with fixed payments spread over a set schedule so no single payment date carries all the pressure. We also don't tack on hidden fees after the fact — the schedule you review before signing is the schedule you'll see for the life of the loan, aside from anything you choose to pay down early.

How We Lend

Our Commitments

Being a direct lender comes with responsibilities we take seriously, both to individual borrowers and to the standards that govern consumer lending generally:

• Responsible lending: we look at real, verifiable income and your ability to repay before we lend, not just a credit score in isolation.
• Transparency on cost: rates and terms follow the law of the state where your loan is made, with no inflated headline rates used just to grab attention. See our rates by state.
• Military Lending Act compliance: covered members of the Armed Forces and their dependents receive the MAPR cap and other MLA protections. See licenses & disclosures.
• Fair lending under the Equal Credit Opportunity Act — we don't discriminate based on race, color, religion, national origin, sex, marital status, age, or public-assistance income.
• Privacy protections consistent with the Gramm-Leach-Bliley Act, including our GLBA model privacy notice. See our privacy policy.
• No bureau-reporting surprises: we don't report your payments to the credit bureaus, and we won't claim that repaying a loan with us builds your credit history.

If something doesn't go as expected — a payment question, a dispute, or anything else — our questions & complaints page walks through how to reach us and what happens next.

Company Facts

Visit Our Office

1108 E South Union Ave, Midvale, UT 84047. Mail correspondence goes to PO Box 154, Culpeper, VA 22701 — please don't send mail to the physical office address.

Learn More