The fastest approval I’ve ever had, almost instant. Simple steps, no faxing a thing
February 18, 2026
Cash Loans Bear in Bristol, TN 37620
Business Hours:
Monday-Sunday: 8am – 10pm
Branch Manager:
Marley Martin
Phone:
(423) 524-9307
Email:
marley.martin@loansbear.com
Great staff, super helpful. Received my money the next morning.
January 7, 2026
A nice guy helped me choose the best option. I appreciate the speed.
December 12, 2025
Good service when there’s no time to wait. Quick approval.
November 29, 2025
About Our Bristol Branch
Cash Loans Bear helps residents access fast, reliable loan options in Bristol, Tennessee, when urgent expenses arise. We understand how frustrating it can be to deal with conventional banks and credit unions, which often require strong credit, extensive documentation, and long waiting periods. That’s why we aim to keep the borrowing process simple and straightforward.
Our office is located at 621 Shelby St., in the same building as Trust Point Insurance, where our team can help you submit an application in minutes. Whether you need a small payday loan until your next paycheck or prefer a longer repayment plan, we offer options to match your needs.
Products & Services
Loan amounts depend on several factors, including your finances and state law. In Tennessee, payday loans are regulated by the Tennessee Department of Financial Institutions. State law lets a lender hold no more than two of your checks at a time, worth up to $500 combined,1 so the most you can receive after fees is $425. In 2024, the average payday transaction in Tennessee was $287.1 If you need more, installment loans may go up to $5,000, depending on your eligibility.
Most loans are processed by the next business day after approval. In some situations, borrowers may receive funds on the same day if they are sent before 10 AM.
Small-Loan Rules in Tennessee at a Glance
Tennessee sets separate limits for each type of small loan. The table below shows the main caps under state law, so you can compare offers before you sign.
| Loan type | How much you can borrow | What lenders can charge |
|---|---|---|
| Payday loan (deferred presentment) | Up to $500 in checks, no more than two at a time1 | A fee of up to 15% of the check amount1 |
| Installment loan (flex loan) | A balance of up to $4,0001 | Up to 24% a year, plus a daily fee of up to 0.7% of the average balance1 |
| Installment loan (industrial loan and thrift) | Loans of $100 and up1 | Up to 36% a year since July 1, 20251 |
| Title loan (title pledge) | Up to $2,500 per vehicle title2 | Up to 2% interest a month, plus a fee of up to 20% of the balance at the start of each 30-day term2 |
Other Locations in Tennessee
- Bartlett, TN 5977 Stage Rd, Bartlett, TN 38134 (901) 979-7512
- Collierville, TN 366 New Byhalia Rd #8, Collierville, TN 38017 (901) 910-0781
- Jackson, TN 282 Parkstone Pl, Jackson, TN 38305 (731) 868-4104
How It Works
1
Simple Process
Apply online in just a few minutes.
2
Quick Approvals
Submit your application and receive a quick decision.
3
Instant Funding
Get funds sent directly to your debit card or bank account.
What You Need to Apply
- A government-issued ID
- Proof of income
- An active checking account
- Proof of address
- Your Social Security Number or ITIN
Additional documents may be required.
For more information about identification and lending requirements, visit the Consumer Financial Protection Bureau.
Explore Loans by State:
Why Choose Cash Loans Bear
Bad credit considered — We focus on your income, not credit history
No hard credit check — Soft credit pull won’t affect your credit score
Hassle-free application — No complications, no lengthy request forms
Online or in-store — Apply the way you prefer
Same-day funding — Available for some approved applications
No surprises — All fees and repayment terms explained upfront
Frequently Asked Questions
We review applications with any credit score as we focus on the overall financial situation and actual ability to pay the loan back.
You can apply for a loan directly on our website, submitting an SSL-encrypted form and providing your personal and banking information.
You can visit the Cash Loans Bear store for in-person guidance or apply online through our website if you prefer not to visit the store. Our team will explain the available options and help you complete an application in just a few minutes.
Cash Loans Bear doesn’t currently offer title loans because we focus on unsecured payday and installment loans that don’t require collateral. If you’re considering a title loan elsewhere, keep in mind that the lender holds your car title, and in 2024, Tennessee title lenders took possession of 1,761 vehicles after borrowers fell behind on payments.2 Sullivan County, which includes Bristol, had 8 licensed title pledge locations as of June 30, 2025,2 so make sure any lender you visit is licensed by the TDFI.
Sources
-
Tennessee Department of Financial Institutions
2025 Annual Report — state small-loan rules and volume. 2025.
-
Tennessee Department of Financial Institutions
2026 Title Pledge Report — title loan rules and repossessions. March 2026.
