I had a few questions before completing my application, and they were answered quickly. The overall experience was smooth, and the timeline matched what was explained to me.
Submitting my information only took a few minutes, and I liked being able to see the details of the offer before moving forward. The process felt organized and transparent.
I appreciated how straightforward everything was from start to finish. The instructions were clear, and I received an update on my request sooner than I expected.
The application was easy to navigate, and I didn’t feel rushed at any point. I was able to review the loan terms carefully before deciding, which gave me peace of mind.
Need a quick way to get cash? Cash Loans Bear offers a simple way to explore your options. With nearly five years in the industry, we’ve helped Florida residents find reliable funding options. We provide fast approval decisions, consider applicants with low FICO scores, and deliver funds to your account as soon as possible.
Whether you apply online or at our Naples store, we strive to provide the best borrowing experience. If you don’t believe us, visit our store today and see for yourself!
Before you borrow, it helps to know how household budgets look in Collier County. Median household income here was $90,072 in 2023, well above the Florida average of $73,311.1 Even so, many working families still come up short on basic costs.
43%
of Collier County households couldn’t cover basic costs in 20231
$600,000
median home sale price in the Naples area, Jan.–Oct. 2025, down 2.4%2
$110,000
largest 0% county home-purchase loan for eligible local workers3
$252M
in fees paid by Florida payday loan borrowers in 20224
Housing costs are especially high around our store. In the 34102 ZIP code, part of the Naples Beach area, the median closed home price hit $2,350,000 in October 2025.2
The state of Florida regulates payday loan amounts and sets the maximum at $500, as outlined by the Florida Office of Financial Regulation.
| Rule | What Florida law allows |
|---|---|
| Loan amount | Up to $500 per loan |
| Loans at one time | One outstanding loan, tracked in a statewide database |
| Fees | Up to 10% of the amount borrowed plus a $5 verification fee (no more than $55 on a $500 loan) |
| Loan term | 7 to 31 days |
| If you can’t pay on time | A 60-day grace period with no added charges if you tell the lender in person before the due date and book credit counseling within 7 days |
Source: Florida Office of Financial Regulation, Payday Lenders (Deferred Presentment Providers) and Deferred Presentment Provider.
If you need a higher amount, installment loans may be an option, with loan amounts typically available up to $5,000 and repayment spread over time.
Florida is one of the largest payday lending markets in the country. In 2022, borrowers statewide took out 3,579,443 payday loans totaling $1.67 billion and paid $252 million in fees.4 That fee total was 17% higher than in 2021.4
Millions of dollars, as reported by state regulators
Source: Center for Responsible Lending.4
Borrowers with 10 or more payday loans, share of total
Source: Center for Responsible Lending, citing Florida data through June 2022.4
Texas borrowers took out fewer than half as many payday loans as Floridians, yet paid about $1.3 billion in fees.4 Florida’s fee cap helps keep the cost per loan lower, but repeat borrowing still adds up. Floridians with 10 or more payday loans made up 16% of borrowers but 42% of all transactions.4
Apply online in just a few minutes.
Submit your application and receive a quick decision.
Get funds 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.
A low FICO score doesn’t automatically disqualify you
Fast decisions and same-day transfer options
Helpful customer support
Apply online or in our Naples store
Yes, you can! We review your income and DTI. You may still get a loan offer with bad credit.
In most cases, you’ll be able to access the funds by the next business day. However, if you apply early in the morning, same-day transfer may be available.
No. Florida allows only one outstanding payday loan at a time, and licensed lenders must check a statewide database before approving a new one.
Under Florida law, if you tell the lender in person before your due date that you can’t pay in full, you’re entitled to a 60-day grace period with no extra charges. To keep it, you need to schedule credit counseling within 7 days and complete it during the grace period.
Yes. Income-qualified residents can apply for Collier County SHIP loans with 0% interest and no monthly payments for home purchases and repairs. Eligible essential workers can get up to $110,000 toward buying a home.3
United Way of Collier and the Keys
ALICE in Collier County — household hardship and budgets. May 2025.
Naples Area Board of Realtors
Monthly Indicators, October 2025 — local home prices. November 2025.
Collier County Board of County Commissioners
SHIP Local Housing Assistance Plan 2025–2028 — county housing loan terms. April 2025.
Center for Responsible Lending
Down the Drain: Payday Lenders Take $2.4 Billion in Fees from Borrowers in One Year — state payday fee data. January 2025.
