A payday loan, also known as a cash advance, is a small-dollar, short-term loan that needs to be repaid in full on your next payday.
Types of Loans You Can Get
If you need more time to repay, an installment loan might be a better option. It offers longer repayment terms, making it easier to manage.
How Does the Loan Process Work?
Cash Loans Bear Near You
We currently operate in 45 physical locations, including our stores in California, Texas, Florida, Ohio, and more.5
Note: Each state has its own lending laws. We comply with the lending laws of each state where we operate.
I needed a short-term loan between paychecks, and Cash Loans Bear’s service was super quick. It was a huge relief.
March 13, 2026
The application process was so easy, and the support team was incredibly helpful. They answered all my questions and made sure I understood everything
April 23, 2026
Cash Loans Bear came through for me with fast, straightforward service, and I had the money I needed in my account the same day
May 2, 2026
Testimonials reflect individual experiences. Approval, funding times, and outcomes vary based on your application, state of residence, and our verification. Endorsers were not compensated.
What You Get with Us
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Approval depends on income, state, and ability to repay.
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You don’t have to risk any personal property to get the funds.
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You get disclosed lenders’ rates, APRs, and fees before you sign.
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Our customer care team is available by phone and email.
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You can apply for quick loans entirely online, 24/7.
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Our advanced security measures protect your information.
Bad credit considered
Approval depends on income, state, and ability to repay.
No collateral required
You don’t have to risk any personal property to get the funds.
Transparent process
You get disclosed lenders’ rates, APRs, and fees before you sign.
Professional support
Our customer care team is available by phone and email.
Convenience
You can apply for quick loans entirely online, 24/7.
Secure and private
Our advanced security measures protect your information.
About Cash Loans Bear
Cash Loans Bear is an online resource and a network of state-licensed stores that has been helping people since 2021.
Headquartered in Brooklyn Park, MD, with 45 locations across 12 states and a 24/7 online platform.
Licensed as a Credit Services Business by the Maryland Office of the Commissioner of Financial Regulation.
Whether you need a payday or installment loan, you’ll see your full APR and total repayment amount before you sign.
Financial Clarity Starts with the Right Numbers
Cash Loans Bear has developed an all-in-one financial tool to help you calculate the real cost of loans and plan your debt repayments more efficiently. With our app, you get:
- Loan & Cash Advance Calculators
- Credit Card Payoff Calculator
- Debt Payoff Calculator with Strategies
- Mortgage Calculator
- Auto Loan Calculator
- Investment & Deposit Calculator
FAQ
In most cases, once you’re approved, you will receive the funds by the next business day. If you need the money the same day, please finalize your loan before 10 a.m. local time on a business day.
You can get a payday cash advance online through Cash Loans Bear or visit our nearby store. Alternatively, consider cash advance apps or ask for a paycheck advance from your employer.
No credit check at all is usually a trick. Legitimate loan providers, including Cash Loans Bear, perform at least a soft credit inquiry to verify your identity, income, and ability to repay. However, the credit check involved in our process usually does not affect your FICO rating.
Late payments often result in extra fees and may be reported to credit bureaus. If you think you won’t be able to repay your loan on schedule, contact us as soon as possible and let us know about your situation. Payment plans may be available in some states.6