Fee Schedule: Rates by State

Rates Set Within Your State's Law

Our rates and fees are standard and stay within the limits set by the law of the state where your loan is made. Before you sign, you will see your exact APR, finance charge, total of payments and payment schedule. There is no prepayment penalty and no hidden fees. For questions or complaints, including regulator contacts, click here.

Example: a $500 loan repaid in 16 bi-weekly payments, at the maximum APR allowed by each state's law for a loan of this size.

State	APR (example)	Bi-Weekly Payment	Total of 16 Payments
Alabama	up to 107%	$43.28	$692.42
Alaska	up to 36%	$35.05	$560.87
Arizona	up to 54%	$37.05	$592.80
Arkansas	up to 17%	$33.02	$528.24
California	up to 45%	$36.04	$576.71
Colorado	up to 78%	$39.81	$636.89
Connecticut	up to 36%	$35.05	$560.87
Delaware	No statutory rate cap — your APR and payments are disclosed in your loan agreement before you sign
District of Columbia	up to 24%	$33.76	$540.13
Florida	up to 52%	$36.83	$589.20
Georgia	up to 61%	$37.84	$605.48
Hawaii	up to 146%	$48.18	$770.84
Idaho	No statutory rate cap — your APR and payments are disclosed in your loan agreement before you sign
Illinois	up to 36%	$35.05	$560.87
Indiana	up to 89%	$41.10	$657.66
Iowa	up to 36%	$35.05	$560.87
Kansas	up to 43%	$35.82	$573.17
Kentucky	up to 47%	$36.27	$580.26
Louisiana	up to 85%	$40.63	$650.07
Maine	up to 30%	$34.40	$550.44
Maryland	up to 33%	$34.73	$555.64
Massachusetts	up to 37%	$35.16	$562.62
Michigan	up to 43%	$35.82	$573.17
Minnesota	up to 51%	$36.71	$587.41
Mississippi	up to 305%	$70.63	$1,130.03
Missouri	No statutory rate cap — your APR and payments are disclosed in your loan agreement before you sign
Montana	up to 36%	$35.05	$560.87
Nebraska	up to 48%	$36.38	$582.04
Nevada	up to 40%	$35.49	$567.88
New Hampshire	up to 36%	$35.05	$560.87
New Jersey	up to 30%	$34.40	$550.44
New Mexico	up to 52%	$36.83	$589.20
New York	up to 25%	$33.87	$541.84
North Carolina	up to 16%	$32.91	$526.55
North Dakota	up to 36%	$35.05	$560.87
Ohio	up to 145%	$48.05	$768.78
Oklahoma	up to 204%	$55.93	$894.94
Oregon	up to 36%	$35.05	$560.87
Pennsylvania	up to 27%	$34.08	$545.27
Rhode Island	up to 30%	$34.40	$550.44
South Carolina	up to 72%	$39.11	$625.70
South Dakota	up to 36%	$35.05	$560.87
Tennessee	up to 106%	$43.15	$690.46
Texas	up to 93%	$41.58	$665.31
Utah	No statutory rate cap — your APR and payments are disclosed in your loan agreement before you sign
Vermont	up to 24%	$33.76	$540.13
Virginia	up to 129%	$46.01	$736.14
Washington	up to 39%	$35.38	$566.12
West Virginia	up to 38%	$35.27	$564.37
Wisconsin	No statutory rate cap — your APR and payments are disclosed in your loan agreement before you sign
Wyoming	up to 36%	$35.05	$560.87

This is an example only. Your actual APR, payment amount and number of payments depend on your state, the loan amount and your application — confirm your exact terms when you complete the application form. Loans are available from $100 to $35,000; larger loans usually carry lower state limits. Loans are not available in all states. State limits shown are based on published state rate-cap data and may change.

IMPORTANT NOTICE: It would be in your best interest to only borrow what you can expect to pay back. Your personal information is strictly protected.

Representative examples. A $500 loan repaid in 16 bi-weekly payments at 36% APR has payments of $35.05 and a total of payments of $560.87 (finance charge $60.87). The same $500 loan at 145% APR has payments of $48.05 and a total of payments of $768.78 (finance charge $268.78). A $1,000 loan repaid in 16 bi-weekly payments at 36% APR has payments of $70.11 and a total of payments of $1,121.74 (finance charge $121.74). These are examples only — your APR, payment amount and number of payments depend on the law of your state, the loan amount and your application; confirm your exact terms when you complete the application form. See rates by state.

Rates and availability. Loans from $100 to $35,000 with terms from 7 days to 12 months. Rates and fees are standard and stay within the limits set by the law of the state where the loan is made. Loans are not available in all states. Approval is not guaranteed; the amount you qualify for depends on your income and application.

Credit check. We start with a soft credit inquiry that does not affect your credit score; a hard credit inquiry may be made before final approval. 3BCash does not report your payments to credit bureaus.

Funding. If your application is received and verified by 7:00 PM EST on a business day and approved, funds are generally deposited into your bank account the next business day. Availability of funds may depend on your bank.

Repayment. Loans are repaid in fixed installments with part of every payment going to principal. No rollovers and no prepayment penalty. Late or returned payments may result in fees permitted by your state's law and collection activity — contact us before a payment is due if you expect difficulty paying.

Right to cancel. You may cancel your loan without any finance charge by sending written notice by fax or email by 5:00 PM Mountain Standard Time on the next business day after your loan is made.

Responsible borrowing. Installment loans can be an expensive form of credit and are meant for short-term financial needs, not as a long-term financial solution. Borrow only what you can repay.

Military borrowers. We comply with the Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents; in general, the cost of consumer credit to a covered borrower may not exceed a 36% Military Annual Percentage Rate. See Licenses & Disclosures.

Equal Credit Opportunity. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Questions or complaints. Call 866-337-9947 or email [email protected]. Utah residents may contact the Utah Department of Financial Institutions at 801-538-8830. You may also submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov.

Three B Financial, LLC (3BCash) · 1108 E South Union Ave, Midvale, UT 84047 · Mailing: PO Box 154, Culpeper, VA 22701.

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