Licenses & Disclosures

Last updated: 2026

This page lists the licenses, registrations, and legal disclosures that apply to Three B Financial, LLC (dba 3BCash), a direct lender of installment loans since 2007. Please read it together with our Terms and Conditions and Privacy Policy.

Company Identity

Three B Financial, LLClegal entity, dba 3BCash

Since 2007direct lender of installment loans

Utah DFIregistered financial institution

$100 – $35,000loan amounts, 7 days–12 months

Three B Financial, LLC does business as 3BCash and is a direct lender — we make the loan decision and fund your loan ourselves, rather than referring your application to a third-party lender or lead-generation network. We are registered by the Utah State Department of Financial Institutions. You can reach the Utah DFI directly at 801-538-8830 with questions about our registration. Three B Financial, LLC has offered installment loans since 2007, and this page will be updated as new state licenses are obtained.

State Licensing and Registration

The table below lists the states where we currently hold a license or registration. We will add rows for additional states as those licenses are confirmed. We never list a license number until it has been issued and confirmed.

State	License / Registration
Utah	Registered by the Utah State Department of Financial Institutions

Other states: license information will be listed here for each state where 3BCash offers loans. Loans are not available in all states.

Rates, Fees, and Loan Terms

Loan amounts range from $100 to $35,000, with repayment terms from 7 days up to 12 months. Rates and fees are set within the legal limit of the state where your loan is made and vary by state, amount, and your application. See our rates and fees by state page for a representative example and the maximum APR allowed in your state; your actual rate and payment schedule will be disclosed in your loan agreement before you sign.

Loans are unsecured — no collateral, such as a vehicle title or home equity, is required.
Payments are fixed and applied to a set schedule; there are no rollovers and no prepayment penalty.
A soft credit check is used to see if you qualify; a hard credit check may occur before final approval.
Three B Financial, LLC does not report loan payments to consumer credit bureaus.

Apply Now Soft credit check · Approval not guaranteed

Military Lending Act (MLA) Statement

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

To receive this statement and the applicable disclosures orally, call us at 866-337-9947. Three B Financial, LLC complies with the MLA for covered borrowers, including the 36% MAPR cap and the other protections the law provides.

Equal Credit Opportunity Act (ECOA) Notice

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. The Federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

USA PATRIOT Act Customer Identification Notice

To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who applies for a loan. When you apply, we will ask for your name, address, date of birth, and other information that allows us to identify you. We may also ask to see identifying documents.

Truth in Lending Act (TILA) Disclosures

Before you sign a loan agreement with us, we provide the federal disclosures required by the Truth in Lending Act, including your annual percentage rate (APR), finance charge, amount financed, total of payments, and payment schedule. Review these figures carefully; they govern over any example shown elsewhere on this site. Loan agreements are provided electronically in most cases — see our E-Sign Consent page for how to request a paper copy.

Right to Cancel

You may cancel your loan agreement at no cost by providing written notice by fax or email before 5:00 PM MST on the next business day after your loan is made. If you cancel within this window, you will not owe any finance charge, though you remain responsible for repaying the principal you received. See our Terms and Conditions for the full cancellation procedure.

Collection Practices

If your account becomes past due, we engage in fair and lawful collection practices consistent with the standards of the Fair Debt Collection Practices Act (FDCPA), even where we are not directly subject to it. We do not use abusive, deceptive, or unfair collection tactics, we will not misrepresent the amount you owe, and we do not report your loan payments to consumer credit bureaus.

Electronic Communications

Loan agreements, disclosures, and account notices are generally provided electronically under our E-Sign Consent, which explains your right to request paper copies, how to withdraw consent, and the hardware and software you need to view and save your documents.

State-Specific Notices

California: California residents have privacy rights described in our California Privacy Notice (CCPA/CPRA).
Utah: Registered by the Utah State Department of Financial Institutions, 801-538-8830.
All other states: Residents of other states may contact the regulatory agencies of the states in which they reside with questions about our lending activities.

Complaints

If you have a concern about your loan or your experience with us, please start with our Questions & Complaints page, or contact us directly using the information below. You may also contact your state's financial regulator, or the Consumer Financial Protection Bureau at consumerfinance.gov.

Contact Us

Three B Financial, LLC (dba 3BCash) · Office: 1108 E South Union Ave, Midvale, UT 84047 · Mail: PO Box 154, Culpeper, VA 22701 · Phone 866-337-9947 · Fax 866-422-4776 · [email protected] · Hours Monday–Friday, 8:00 AM–7:00 PM EST.

Frequently Asked Questions

Who is the lender behind 3BCash?

3BCash is a brand of Three B Financial, LLC, a direct lender that has offered installment loans since 2007.

Is 3BCash licensed in my state?

Three B Financial, LLC is registered with the Utah State Department of Financial Institutions. License information for other states where we offer loans will be listed here as it becomes available. Loans are not available in all states.

Does the Military Lending Act apply to my loan?

If you or your dependent are an active-duty service member, federal law caps the military annual percentage rate (MAPR) on covered credit at 36% and provides other protections. Call 866-337-9947 to request the oral MLA disclosure.

Can 3BCash deny my application because I receive public assistance?

No. Under the federal Equal Credit Opportunity Act, we cannot discriminate against applicants because all or part of their income comes from a public assistance program, or on the basis of race, color, religion, national origin, sex, marital status, or age, among other protected bases.

Where do I file a complaint about 3BCash?

Start with our Questions & Complaints page. You can also contact the Utah Department of Financial Institutions, the regulator in your own state, or the Consumer Financial Protection Bureau at consumerfinance.gov.

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.