Terms and Conditions

Last updated: 2026

These Terms and Conditions govern your use of 3bcash.com and any application you submit through our site for a loan offered by Three B Financial, LLC (dba 3BCash). By using this site or submitting an application, you agree to the terms below.

Loan agreement governsfinal terms if you're approved

Soft credit checkwon't affect your score

No rolloversno prepayment penalty

18+ US residenteligibility requirement

1. Acceptance of These Terms

Using 3bcash.com, browsing our pages, or submitting an application means you accept these Terms and Conditions as they read at the time of your visit. If you do not agree, please do not use the site or submit an application. We may update these terms from time to time; see Section 15, "Changes to These Terms," below.

2. Eligibility

To apply for a 3BCash loan you must be at least 18 years old, a resident of the United States, and able to meet the borrower requirements described on our lending requirements page, including a steady, verifiable source of recurring income and an active checking account in your name. Meeting these baseline requirements does not guarantee that any application will be approved.

3. No Guarantee of Approval

Guaranteed approval? No lender can honestly promise that. Submitting an application, or meeting the eligibility items above, does not guarantee that you will be approved for a loan, or for any specific amount, term, or rate. Every application is evaluated individually, and approval decisions are not guaranteed to any applicant.

4. The Loan Agreement Governs

These Terms and Conditions describe how our website and application process work. They are not your loan agreement. If you are approved for a loan, the specific amount, term, payment schedule, annual percentage rate, fees, and all other binding terms will be set out in the loan agreement and related disclosures presented to you before you sign. If anything in these Terms and Conditions appears to conflict with your loan agreement, the loan agreement controls for that loan.

5. State Availability and Rates

Loans are not available in all states. Where we do lend, the amount, term, and rate offered are within the limits set by the law of the state where your loan is made; rates and terms are not identical from state to state. See our fee schedule for a representative example by state; this is an example only, and your actual terms are confirmed when you complete the application form.

6. Electronic Communications and E-Sign Consent

To apply for and receive a loan through 3bcash.com, you will be asked to consent to receive disclosures, agreements, and other communications electronically instead of on paper. The scope of that consent, your right to request paper copies, and how to withdraw consent are described in our E-Sign Consent page, which is incorporated into these Terms by reference.

7. Calls, Texts, and TCPA Consent Summary

If you provide a telephone number, you may separately consent to receive calls and text messages from us or on our behalf, including calls made using an automatic telephone dialing system or prerecorded voice, and texts about your application, account, and servicing. That consent is not a condition of obtaining a loan. Message and data rates from your carrier may apply, message frequency varies, and you can opt out of texts at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT, or get help by replying HELP. Full details are in our Text Message (Wireless) Policy.

8. Credit Inquiries

When you apply, we typically begin with a soft credit check to help evaluate whether you may qualify; a soft check does not affect your credit score. If your application moves toward final approval, a hard credit inquiry may occur, which can appear on your credit report. We do not report your loan payments to the consumer credit bureaus.

9. Right to Cancel

If you are approved and sign a loan agreement, you generally have the right to cancel that loan at no cost, provided you notify us in writing (by fax or email using the contact information below) by 5:00 PM MST on the next business day after the loan is made, and return any funds disbursed to you as described in your loan agreement. Specific cancellation mechanics and deadlines are set out in your loan agreement, which controls.

10. No Rollovers, No Prepayment Penalty

3BCash loans are repaid in fixed installments; we do not offer loan rollovers or renewals that simply extend an existing balance for an added fee. There is no prepayment penalty — you can pay off your loan early, which can reduce the total finance charge you pay.

11. Military Lending Act (MLA) Protections

If you are a covered borrower under the Military Lending Act — generally, an active-duty member of the Armed Forces (or a dependent) — federal law limits the cost of consumer credit extended to you and provides other protections described in our Licenses & Disclosures page, including the standard MLA statement and how to request the required oral disclosure. Nothing in these Terms and Conditions limits any protection you're entitled to as a covered borrower.

12. Prohibited Uses of This Site

You agree not to: submit false, fraudulent, or another person's information in an application; attempt to interfere with, disable, or overburden the site or its systems; scrape, harvest, or reverse-engineer any part of the site; use the site for any unlawful purpose; or attempt to gain unauthorized access to any account, system, or data connected to the site.

13. Intellectual Property

The 3BCash name, logo, and the text, graphics, and layout of 3bcash.com are owned by Three B Financial, LLC or its licensors and are protected by applicable intellectual property laws. You may view and print pages of this site for your personal, non-commercial use in connection with an application, but you may not copy, reproduce, republish, or distribute site content for any other purpose without our prior written permission.

14. Third-Party Links and the Application Form

Our online application form is provided and hosted by a third-party technology partner on our behalf; that partner's own terms of use and privacy notice apply to the information you submit through the form, in addition to our own policies. This site may also link to other third-party websites for your convenience. We do not control, and are not responsible for, the content, terms, or privacy practices of any third-party site, including our application partner's platform beyond the scope described here.

15. Disclaimers and Limitation of Liability

This site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not guarantee that the site will be uninterrupted, error-free, or secure. To the fullest extent permitted by applicable law, Three B Financial, LLC and its officers, employees, and agents will not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this site or any application submitted through it. Nothing in this section limits any right or protection you have under your loan agreement or applicable law.

16. Disputes

If you have a concern about your application, your loan, or this site, please contact us first using the information below or through our questions & complaints page so we can try to resolve it directly. Any dispute-resolution procedures that apply to your specific loan, including any process for resolving disagreements, are described in your loan agreement, which governs for that loan.

17. Governing Law

These Terms and Conditions, and any loan made through this site, are governed by the law of the state where your loan is made, together with applicable federal law, without regard to conflict-of-law principles, except where a different governing-law provision is specified in your loan agreement.

18. Changes to These Terms

We may revise these Terms and Conditions from time to time. Changes take effect when posted on this page with an updated "Last updated" date. Your continued use of the site after a revision is posted means you accept the revised terms; changes do not apply retroactively to a loan agreement you already signed.

19. 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] · Text help line 1-888-548-0467 · [email protected] · Hours M–F 8:00 AM–7:00 PM EST.

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.