Text Message (Wireless) Policy

Last updated: 2026

This Text Message (Wireless) Policy explains how Three B Financial, LLC (dba 3BCash) uses SMS text messages if you opt in to receive them, and how you can opt out at any time.

Opt-in requiredconsent is not a loan condition

Text STOP to opt outEND, CANCEL, UNSUBSCRIBE, QUIT also work

Text HELP for supportor call 1-888-548-0467

Msg & data rates may applymessage frequency varies

Opting In

By opting in through our site or application process, you give us your consent to send you SMS text messages related to your application, account, and our services, and to use the information you provide to deliver those messages, including any customized content. When you opt in, we send a confirmation text to verify you are in possession of the device for the cell number you provided and to remind you that message and data rates may apply.

Consent Is Not a Condition of Approval

Agreeing to receive text messages from us is never a condition of applying for or being approved for a loan. You can apply, and be considered for a loan, whether or not you opt in to SMS messages.

Message and Data Rates; Message Frequency

Your wireless carrier's message and data rates may apply to our confirmation message and all subsequent SMS or MMS messages. Message frequency varies depending on your application and account activity and is not a fixed number of messages per month.

Opting Out (STOP, END, CANCEL, UNSUBSCRIBE, QUIT)

You may opt out and remove your SMS information at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any text message you receive from us. Once you opt out, your number will no longer be used to send you SMS messages for secondary purposes, disclosed to third parties for their own marketing use, or used to deliver promotional correspondence on behalf of third parties. You can also opt out by calling our toll-free 24-hour Opt-in/Opt-out line at 1-888-548-0467.

Getting Help

For help, reply HELP to any text message you receive from us, email [email protected], or call our text help line at 1-888-548-0467. Use these options to request assistance, contact information, or more details about our texting service at any time.

Carriers Are Not Liable

Carriers are not liable for delayed or undelivered messages. We are not responsible for delays in the receipt of SMS messages, since delivery depends on effective transmission from your network operator and device. SMS message services are provided on an "as is" basis.

What Information We Collect Through This Service

Data obtained from you in connection with our SMS service may include your name, address, cell phone number, your wireless provider's name, and the date, time, and content of your messages with us. This information is handled according to our Privacy Policy; opting in to text messages does not change how we handle other information you submit through our online application.

Changes to This Policy

We may update this Text Message (Wireless) Policy from time to time; the "Last updated" date at the top of this page reflects the most recent revision.

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.