It was a good overall experience. Got $200 for 2 weeks, the fees were transparent, and no extra money was charged.
Way easier to get approved compared to other local services I used. Bad credit was not a problem
They were very friendly and helped me a lot with my application. Very fast payouts
I had no problems with my application or the deposit process.
Cash Loans Bear offers emergency loan options designed to help people get back on track quickly. We don’t just provide fast financing, we also take the time to understand your needs and find the best option for your situation.
Our store is located in the Delta Oak area, near the intersection of Delta Hwy and Beltline. Visit the Cash Loans Bear location in Eugene, Oregon, today and experience the difference. Whether you need to cash a check, apply for an installment loan, or get a short-term cash advance to pay your bills, our friendly and knowledgeable staff is here to help.
Payday loans are usually around $300 and may reach up to $1,000 if you qualify. In 2024, the average payday loan reported by Oregon-licensed lenders was $262,1 though some lenders may offer up to $1,000. This is largely due to Oregon regulations, which limit loan amounts based on your income to help prevent overborrowing. Installment loans may allow you to borrow up to $5,000. The exact amount you qualify for depends on your income, credit, and existing financial obligations. For more information, you can refer to the Oregon Division of Financial Regulation.
Direct deposit loans are funded within 1 business day. If you finalize your loan before 10 AM on a banking day, the money can be transferred to you on the same day. Otherwise, your loan will be funded on the next business day. Eugene residents can also access instant cash loans at a store if they provide a post-dated check for repayment.
Oregon’s financial regulator collects yearly reports from every licensed lender in the state. The numbers below show what borrowers across Oregon took out in 2024, so you can compare the two loan types before you apply.
| Measure | Payday loans | Installment loans |
|---|---|---|
| Loans made | 104,406 | 138,301 |
| Total amount lent | $31.2 million | $155.0 million |
| Average APR | 144.42% | 29.80% |
| Average loan | $262 | about $1,121* |
Statewide figures self-reported by licensed lenders to the Oregon Division of Financial Regulation.1 *Calculated as total amount lent divided by loans made.
Most payday borrowers in Oregon used these loans only occasionally: 77% took five or fewer in 2024, while 1,041 borrowers took 11 or more.1 If you expect to need cash again soon, an installment loan with fixed payments may be easier to manage than repeated payday loans.
Apply online in just a few minutes.
Submit your application and get a quick decision.
Funds are sent directly to your debit card or bank account.
Additional documents may be required.
For more information about identification and lending requirements, visit the Consumer Financial Protection Bureau.
If you own a home or run a small business in Eugene, look at City of Eugene programs first. The City’s Home Repair Program, paid for with federal CDBG funds, helped 20 homeowners in the year ending June 2025. It is now open to households earning up to 80% of the area median income, with budgets of up to $15,000 for roof work and $10,000 for other repairs.2 In the same year, the City funded three Business Growth Loans for local businesses.2
Fast loan processing
Easy-to-meet eligibility criteria
No hard credit check
Modern encryption protocols
Knowledgeable customer support
Same-day funding options
We have simple eligibility requirements. You only need to be at least 18 years old, have a residential address in Oregon, and provide your ID, SSN, proof of income, and banking information. However, approval is not guaranteed and depends on your ability to repay.
You are welcome to apply for a loan with any credit score. We do not have any restrictions based on your credit and are more focused on a borrower’s ability to repay.
Cash Loans Bear offers online loans across Oregon. You can apply now by completing a simple application form on the website. The process is fast and safe, and you will receive a loan decision in minutes via email.
Costs vary by lender and loan amount. Across Oregon-licensed payday lenders in 2024, the average finance charge was $13 per $100 borrowed, and the average APR was 144.42%.1
Oregon Division of Financial Regulation
2024 Consumer Finance, Payday and Title Loans Annual Activity Report — payday and installment loan data. June 2025.
City of Eugene
Eugene-Springfield 2024/2025 CAPER — local housing and business loans. August 2025.
