Legal Disclaimer

Last updated: 2026

This Legal Disclaimer explains the limits of the information on 3bcash.com. Please read it alongside our Terms and Conditions and Licenses & Disclosures.

Informational onlynot financial or legal advice

Examples onlyrates vary by state

Approval not guaranteedevery application reviewed individually

Availability variesnot offered in every state

Not Financial or Legal Advice

The content on 3bcash.com — including our pages describing installment loans, cash advances, borrower requirements, and related topics — is provided for general, informational purposes only. It is not financial, legal, tax, or credit-counseling advice, and it is not a substitute for advice from a qualified professional who understands your specific situation. Before making any borrowing decision, consider consulting a financial advisor, credit counselor, or attorney if you have questions specific to your circumstances.

Representative Examples

Any dollar amount, payment figure, number of payments, or annual percentage rate shown on this site — including on our fee schedule — is a representative example only, such as a $500 loan repaid in 16 bi-weekly payments at an APR within your state's legal limit. Your actual rate, payment amount, fees, and number of payments depend on your state's law, the amount you request, and the outcome of your application, and will be confirmed in the loan agreement presented to you before you sign.

Rates, Terms, and Availability Vary by State

Loans are not available in all states. Where we do lend, loan amounts, terms, and rates are set within the law of the state where your loan is made and are not identical from state to state. Nothing on this site should be read as an offer to lend in a state where we are not licensed or registered to do so.

Approval Is Not Guaranteed

Guaranteed approval? No lender can honestly promise it. A soft credit check helps show whether you may qualify, but meeting our published borrower requirements does not guarantee approval, and approval decisions are made individually for each application.

Accuracy of Information

We work to keep the information on this site current and accurate, but we do not warrant that every page is free of errors or fully up to date at all times. Laws, rates, and program details can change, sometimes without much notice, and a page may not yet reflect the most recent change in a given state. If you notice information that appears outdated or incorrect, please let us know using the contact information below so we can review and correct it.

No Credit-Building or Reporting Claims

We do not report your loan payments to the consumer credit bureaus, and nothing on this site should be read as a promise that borrowing from us will build or improve your credit history. Any statement about a soft credit check refers only to the initial inquiry we use to help evaluate your application; it is separate from, and does not replace, the credit reporting practices of other lenders or creditors you may work with.

Third-Party Links and the Application Form

This site may link to third-party websites for your convenience, and our online application form is hosted by a third-party technology partner. We do not control, and are not responsible for, the content, accuracy, or privacy practices of third-party sites, or for the technology partner's own terms and privacy notice governing the application form beyond what is described in our own Privacy Policy.

Trademarks

"3BCash" and related logos and marks used on this site are trademarks of Three B Financial, LLC or its licensors. Other names, logos, and marks that appear on this site may be the property of their respective owners and are used for identification purposes only.

BBB Rating

Any Better Business Bureau (BBB) rating referenced or displayed on this site reflects the rating shown on bbb.org as of the date it was last checked and may change over time; we encourage you to verify our current rating directly on bbb.org.

Apply Now Soft credit check · Approval not guaranteed

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.

Application form. Our online application form is provided by a technology partner; information you submit is handled under the form's own terms and privacy notice, shown before you submit.