For TENNESSEE Loans

Flex, Title, Check, and Signature Loans are NOT long-term financial solutions. All loans subject to approval.

1. Definitions

1. Check Loans are governed by TN Deferred Presentment, Title 45 - Chapter 17, (§ 45-17-101).

2. Title Loans are governed by TN Title Pledge, Title 45 - Chapter 15, (§ 45-15-101).

3. Flex Loans are governed by TN Flexible Credit Act, Title 45 - Chapter 12, (§ 45-12-101).

4. Signature Loans, also known as Installment Loans, are governed by TN Industrial Loan & Thrift, Title 45 - Chapter 5, (§ 45-5-101).

5. Promotions are considered Active when used within the defined dates outlined within the promotion. If dates are not specified, promotion runs until modified or cancelled. All active promotions can be found below.

6. Online Loans may refer to any of the following: Open-end line of credit (Flex Loans), Same Day Funding, Instant Funding, Instant Cash, Online Payments, and Access to Available Credit.

7. Customer Portal, as related to Online Loans, provides access to customer available credit and payment information. The customer portal is not a requirement for Online Loans, but is an available option and can be set up at any time.

8. "Cash Now" refers to a loan issued by 3D Financial.

9. Rebate Codes are short strings of alphanumeric characters that can be used when applying for a loan to receive benefits as outlined in the promotion details.

10. A new customer is any customer who has never received a loan from 3D Financial, or customers who have not redeemed a promotional discount within the previous 60 days.

11. A referral is any new customer who has identified themselves as a referral either verbally or on new customer paperwork.

12. Installment loans are loans where a set amount of money is borrowed all at once. The loan is repaid over a fixed number of payments, or 'installments'. 3D Financial installment loans have a fixed payment amount, meaning the payment amount does not change over the life of the loan. Your final installment payment may vary.

2. Modifications

At the sole discretion of 3D Financial, we may modify these Terms & Conditions, or our Promotional APRs & Terms at any time. When such modifications are made, they are made effective immediately upon posting, and directly impact your usage of 3D Financial services from that time. It is expected that you will periodically review this page for any modifications as they impact your usage of 3D Financial services. All modifications are binding upon posting.

3D Financial, at its sole discretion, reserves the right to modify or cancel any Discounts, Promotional Offerings, or Sweepstakes at any time without prior notice. Qualifying customers can only be enrolled in one discount promotion at a time. Any past due account(s) must be satisfied before any applicable discount(s) may be applied and before any money will be paid.

3. Loan Payments

Flex, title, and signature loan payments for in-store loans may be made over the phone by debit card. All in-store loan payments may also be made in-person at any of our locations.

Payments for online loans are debited automatically from your account, but may also be made over the phone. Additional online loan payments may be entered manually through your customer portal.

4. Tennessee Residents

1. Tennessee residents may apply online or in-store for a flex, check, title, or signature loan.

2. Online flex loans are not closed in-person (see Online Loans).

3. Tennessee originating check, title, signature, and in-store flex loans must be closed in-person at one of our Tennessee locations.

4. Tennessee originating loan products may differ from those offered in other states.

5. Out-of-state Residents

1. Applicants and customers not residing in Tennessee are considered out-of-state residents.

2. Out-of-state residents may apply online for a Tennessee flex, check, title, or signature loan. Tennessee flex, check, title, and signature loans are Tennessee originating loans.

3. All Tennessee originating loans must be closed in-person at one of our Tennessee locations.

6. Available Credit

1. At 3D Financial's sole discretion, available credit is subject to change or cancellation at any time without prior notice.

2. Loan application is subject to reverification.

3. Collateral, where applicable, is subject to reinspection.

4. Online flex loan customers may access available credit online 24/7 using their customer portal.

5. Online check loan customers may access available credit upon payment in full of an existing online check loan; available credit (if any) may be accessible by calling (931) 837-1001 Monday-Friday 9AM-5PM CST.

7. Online Loans

1. Applications are processed by 3D Financial loan specialists Monday through Friday during normal business hours. Applications received during non-business hours will be processed on the next business day. Applications received after 4:00pm CST may not be processed until the next business day.

2. Online loans are Flex Loans or Check Loans.

3. Upon approval, applicant must place a one-time call to 3D Financial at (931) 837-1001 during business hours to activate their loan.

4. Once activated, dependent on the limitations of applicant's financial institution, funds may be available in as little as 15 seconds. We refer to this as instant/same day funding, or instant cash.

5. Online payments will automatically be drafted from applicant's financial institution.

8. Eligibility Requirements

1. Employees of 3D Financial and their immediate families are not eligible for 3D financial promotional offerings.

2. Scheduled payment/payoff must be made on time with cash or certified funds in order to qualify for the promotional discount as outlined in the applicable promotion.

3. Promotional discount forfeited if scheduled payment/payoff is not received on or before the due date, or scheduled payment/payoff is not honored by your financial institution.

4. Forfeiture of promotional discount will result in the applicable full rate APR being applied to that payment/payoff, thus significantly increasing the total cost of your loan.

5. If applicable, all subsequent scheduled payments may again qualify for the promotional discount if they meet these eligibility requirements.

9. Promotional Coupons

1. Coupon applies to new customers, or customers with an active solicitation letter coupon only.

2. Coupon will only be applied to one (1) eligible loan per customer. Coupon promotional discount applies to fees only.

3. Coupon may be redeemed by displaying a physical or electronic version of the coupon during the promotion dates, if applicable. If required, customer must present coupon at the time of loan to be eligible for promotional discount.

4. Coupon promotional discount honored if all eligibility requirements are met.

5. Coupon may not be combined with any other discount or promotion.

6. No reproductions of this promotion will be honored.

10. Monthly Drawing Sweepstakes Rules

1. No Purchase Necessary to enter or win. Purchase will not improve chance of winning. Odds of winning dependent on the number of entries.

2. Promotional period, additional rules & terms, and dates of drawing can be located on the applicable promotion page. Active sweepstakes promotions, if any, may be found here.

3. All Sweepstakes entries are governed by 3D Financial Official Sweepstakes Rules. (click here for details).

11. Promotional Rebates

1. Applies to new customers only.

2. Available to one (1) eligible loan per customer.

3. Customer must present promotion code at the time of loan to be eligible for rebate. 

4. Rebate applies to fees and interest of first on-time payment only.

5. Loan payment must be paid on or before the due date with cash, certified funds, or automatic debit-card payment, for rebate to apply. Automatic payments must be honored by your financial institution on or before the due date.

6. If all eligibility requirements are met, rebate will be applied to the customer's account.

7. Additional terms and conditions, if any, may be found in the promotional advertisement.

12. Promotional Cash Back

1. Applies to new customers only.

2. Available to one (1) eligible Flex or Title loan per customer.

3. Customer must present promotion code at the time of loan to be eligible for cash back. 

4. Loan must be held for a minimum of 28 days to qualify for cash back and applies to first on-time payment only.

5. Loan payment must be paid on or before the due date with cash, certified funds, or automatic debit-card payment, for cash back to apply. Automatic payments must be honored by your financial institution on or before the due date.

6. If all eligibility requirements are met, the advertised cash back amount, or item of equal value, will be mailed within approximately 10 days of your first on-time payment to the address provided to 3D Financial.

7. Additional terms and conditions, if any, may be found in the promotional advertisement.

13. Refer a Friend (In Office Only)

1. Any past due account(s) must be satisfied before referral money will be paid.

2. Applies to new customers only.

3. Referral checks will be generated by Home Office of 3D Financial once per week. Checks will be mailed directly to eligible referrers home address. If any account(s) of referrer is delinquent, referral money will be posted directly to their delinquent account and no check will be issued.

4. Applies to individuals only.

5. 3D Financial, at its sole discretion, reserves the right to discontinue any person(s) from the refer a friend promotion at any time without notice.

14. Competitor Buyouts

At its sole discretion, 3D Financial may pay off your loan at a competitor. 3D Financial does not guarantee to beat a competitor's rate.

15. References

Personal references will be contacted in the event we are unable to reach borrower(s) in an attempt to collect debt.