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Three Sticks Lending Review

Installment loan · Reviewed June 2026

starstarstarstarstar 3.2 Our editorial rating

“A Rosebud Sioux (REDCO) lender with a clear 10–18 month installment structure and full fee disclosure — predictable terms on an expensive loan, though it won't build credit.”

At a Glance

Loan amount $200 – $3,000 (first-time reportedly up to ~$1,200)
APR Three Sticks doesn't publish an APR before approval; reviews put it around 400%–700%
Term 10 – 18 months, biweekly payments
Funding Same day if approved by 2pm CT, else next business day
Credit No hard FICO minimum (income-based)
Fees $20 late (5+ days), $30 NSF; no origination or prepayment fee
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Best for

Borrowers who want a fixed 10–18 month payoff and clear fees, and don't need credit reporting.

Cost 2.0
Transparency 3.3
Funding speed 4.1
Eligibility 4.0
Support 3.3

Three Sticks Lending Pros & Cons

thumb_upPros

  • checkClear 10–18 month installment structure
  • checkFull fee disclosure ($20 late / $30 NSF, no origination)
  • checkNo prepayment penalty
  • checkSame-day funding if approved by 2pm CT

thumb_downCons

  • closeAPR not disclosed upfront (reviews ~400–700%)
  • closeDoesn't report to bureaus — won't build credit
  • closeExcluded in 13 states
  • closeSingle lender — no rate shopping
№ 01

Who Three Sticks Lending is

Three Sticks Lending is operated by AFS CS, a wholly owned subsidiary of the Rosebud Economic Development Corporation (REDCO), the economic arm of the Rosebud Sioux Tribe in South Dakota. Founded in 2023, it operates under tribal law and applicable federal regulations.

№ 02

Rates, fees & real cost

Three Sticks lends $200 to $3,000 (first-time borrowers reportedly up to about $1,200) over a clear 10-to-18-month biweekly schedule. It discloses its fees — a $20 late fee after five days and a $30 NSF fee, with no origination or prepayment fee — but not its APR before approval; customer reports put the rate roughly in the 400%–700% range. Because there's no prepayment penalty, paying early lowers the total interest.

№ 03

Credit reporting & where it lends

Three Sticks does not report to the three major credit bureaus, so on-time payments won't build traditional credit. It does not lend to residents of Arkansas, Connecticut, DC, Illinois, Maine, Minnesota, New Hampshire, New York, Pennsylvania, South Dakota, Vermont, Virginia, or West Virginia.

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Three Sticks Lending FAQ

Is Three Sticks Lending a tribal lender? add
Yes. It is operated by AFS CS, a subsidiary of the Rosebud Economic Development Corporation (REDCO), for the Rosebud Sioux Tribe in South Dakota.
Does Three Sticks Lending build credit? add
No — Three Sticks does not report to the three major credit bureaus, so on-time payments won't help build your traditional credit score.
How we rate tribal lenders — our methodology

How We Rate Lenders

We score each lender from 1 to 5 on cost, transparency, funding speed, eligibility, and customer support. High-cost products score lower on cost by design. Ratings are editorial, independent, and updated as terms change.

Independent & not affiliated. Tribal Installment Loans is an independent resource and is not affiliated with, endorsed by, or sponsored by Three Sticks Lending. Three Sticks Lending and related names are trademarks of their respective owners. We may be compensated when you visit partner sites. Figures are indicative, may change, and vary by borrower — verify current terms directly with the lender.