Frequently Asked Questions

Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate.

Currently, Online Flex Loans are only available to Tennessee Residents.

Tennessee borrowers must be at least 18 years of age. Check Loan borrowers in Alabama must also be 18. Alabama Title Pawn borrowers must be 19 years of age.

U.S. citizens are eligible for the services offered by 3D Financial. Permanent resident/green card holders are also eligible to apply.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for 3D Financial's loan products fall outside of the MLA limits and as a result loans cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers” under the Military Lending Act.

Flex Loans: An open-end credit plan under which 3D Financial offers repeated noncommercial loans that: 1. may be unsecured or secured by personal property; 2. may be without limitation or fixed maturities as to the length of term; and 3. are subject to prepayment in part or whole at any time without penalty.

Flex Loans are available in: Tennessee, both online and in-store.

Check Loans: A short-term, small-dollar cash advance secured by a personal check payable to 3D Financial. Check loans provide a safe, quick, and convenient alternative to paying late and NSF fees.

Check Loans are available in: Tennessee, and Alabama, in-store only.

Title Loans: A 30 day loan, with the option to renew, if not in default and based on the appraised value of your vehicle. Upon approval, 3D Financial will place a lien on your title. YOU KEEP YOUR CAR while you pay back the loan.

Title Loans are available in: Tennessee, and Alabama, in-store only.

To see the process for Online Loan approval, click here.

• Personal Identification
• Proof of Social Security Number
• Proof of Income
• Proof of Residency
• Bank Account Info/Activity

Secured Loans

Secured Loans must be finalized in person at a 3D Financial location. If you are using collateral for the loan, you will need to bring:

• The Title
• The Collateral (for Inspection)

Yes

You must submit some other acceptable proof of income.  Other acceptable forms are W2 Form, tax returns, bank statement showing direct deposit.

3D Financial
PO Box 187,
Tullahoma, TN
37388

Monday - Friday 9:00am until 5:00pm CST.  Some offices close for lunch, which is typically from 1:30pm until 2:00pm CST.

Yes, subject to approval.

Once activated, dependent on the limitations of your financial institution, funds for your online loan may be available in as little as 15 seconds. We refer to this as instant funding, or instant cash