The lady in the office was very nice and helped me with all the forms. Luckily, funds arrived the next day, so I didn’t have to pay late fees.
I had health problems and was looking for some ways to cover those bills. The application was easy, and I got the money the next morning.
I wasn’t sure they’d approve me because of my credit history, but they focused more on my current income. Everything else was explained clearly.
The staff was patient and helped me understand the repayment terms and fees before I signed. I appreciate that!
Cash Loans Bear in Spring, TX, offers flexible loan options for residents facing time-sensitive expenses. With a simple application process, clear terms, and no unnecessary complications, our team is here to help you manage short-term cash needs. We follow all Texas lending regulations designed to protect borrowers. You can learn more through the Texas Office of Consumer Credit Commissioner.
Our store on City Plaza Drive serves the 77389 ZIP code, home to about 45,700 people in roughly 15,000 households4. Across the wider Houston area, Texas regulators counted about 87,400 installment payday borrowers in 2025, so if you’re weighing a short-term loan, you’re far from alone1.
You can apply online from any device or visit us in-store during business hours. We review applications quickly, and if approved, funds are typically deposited into your checking account via ACH. We work with customers in a range of financial situations, including those with less-than-perfect credit.
The potential loan amount you may qualify for depends on your financial profile. However, if it’s a payday loan, the maximum amount is $1,000, while with the installment loan, a borrower may get up to $5,000. For reference, the average new installment payday loan in the Houston area was about $659 in 2025, and Texas regulators say most payday and title loans fall between $400 and $1,2001 3.
Spring is part of the Houston – Sugar Land – Baytown metro area, which is how the Texas Office of Consumer Credit Commissioner (OCCC) groups payday and title loan data. The state doesn’t publish figures for Spring alone, so metro numbers are the closest local picture1.
In 2025, about 87,400 borrowers took out installment payday loans at licensed credit access business locations in the Houston metro, 7.2% fewer than in 2024. The average new loan held steady at about $6591 2.
| Loan type | Borrowers, 2024 | Borrowers, 2025 | Avg. new loan, 2025 | Rollovers per loan, 2025 |
|---|---|---|---|---|
| Installment payday | 94,200 | 87,401 | $659 | 0.35 |
| Single-payment payday | 2,452 | 1,186 | $449 | 1.05 |
| Single-payment title | 12,509 | 18,876 | $1,633 | 1.67 |
| Installment title | 28,453 | 19,740 | $1,516 | 0.31 |
Source: Texas OCCC, Credit Access Business annual reports by metro area for 2024 and 20251 2. Average loan sizes are calculated from reported totals.
Fees are the number worth a closer look. In 2025, Houston-area borrowers paid about $155.3 million in fees on $85.3 million of new installment payday loans, or roughly $1.82 in fees for every $1 of new principal. That total includes fees on loans that were refinanced1. A loan repaid on schedule costs much less: the $500, 14-day payday example in our disclosures carries a $75 fee. The safest approach is to borrow only what you can repay by the first due date.
About 37% of U.S. adults say they couldn’t cover a $400 emergency with cash, according to Federal Reserve data cited by the OCCC3. In its 2025 report to the Texas Legislature, the OCCC compared what a borrower would repay after covering a $1,500 expense with each option below3.
Source: Texas OCCC, 2025 Report on Availability, Quality and Pricing of Certain Financial Services and Consumer Loan Products3. The payday and title examples assume the loan is refinanced at each due date for several months, with only the fee paid until payoff.
Most of the gap comes from how long the balance stays open. Of the single-payment payday loans closed in Texas in 2024, 63.2% were paid off with no rollover, while about 3.1% were refinanced five or more times3. If you think you may miss a due date, contact your lender about a no-cost extended payment plan before rolling the loan over.
In Texas, payday and title loans are arranged by credit access businesses (CABs) licensed by the OCCC. A third-party lender makes the loan at 10% interest or less, and the CAB charges a separate fee for arranging it3.
| Rule | What it means for you |
|---|---|
| CAB fees | State law doesn’t cap them, and APRs often run above 400%3. |
| Loan amount | No legal maximum; most loans run $400 to $1,2003. |
| Loan term | 3 to 180 days, and the full amount may be due in one payment3. |
| Late charge | 5% of the payment or $7.50, whichever is greater, after 10 days past due3. |
| Title loan default | You can lose the vehicle and still owe any balance left after it’s sold3. |
| Local rules | Houston’s CAB ordinance covers stores inside Houston city limits only5 6. |
Sources: Texas OCCC, 2025 consumer loan products report; City of Houston3 5 6.
Since July 1, 2014, Houston has required payday and title loan businesses inside city limits to register every year and keep records of every loan6. Businesses outside the city don’t need that registration5, and unincorporated communities generally can’t adopt the local ordinance used by many Texas cities7. For a store outside Houston city limits, state rules are the ones that apply.
Before you sign with any lender or CAB, you can check its license with the OCCC license search.
Complete your application online in just a few minutes.
Submit your details and receive a quick decision.
Funds can be 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.
Fast application — Takes only a few minutes
No hard credit check — No damage to your score
Same-day funding — Available for approved loans**
Bad credit considered — Income matters most here
Online or in store — Apply how you prefer
Clear terms — No hidden surprises later
**Same-day funding is available if the loan is processed before the bank’s cutoff time.
Fill out an application form with your personal and banking details, either online or in the nearest store. If you qualify, you’ll get a loan offer outlining the terms and fees for you to read and decide if you accept that. After you sign an agreement, funds will be transferred to your checking account.
As we mostly focus on the borrower’s income, you can apply with any credit score. What matters is your ability to repay the loan.
In most cases, approved applications are processed on the next business day. Still, you may get it on the same day if the loan is processed before 10 a.m.
Yes. Payday loans in Texas are arranged through credit access businesses licensed by the Office of Consumer Credit Commissioner. State law doesn’t cap the fees these businesses charge, so compare the finance charge and APR on every offer before you sign3. Houston’s extra local rules apply only to stores inside Houston city limits5.
It depends on the fee and how long you keep the loan. In our representative example, a $500 loan for 14 days with a $75 fee has an APR of 391% and a total repayment of $575. The OCCC’s own examples put payday loan APRs between 365% and 496%, and the cost rises quickly with each refinance: a $1,500 payday loan carried for 11 payments comes to $6,986 in total3.
Cash Loans Bear doesn’t offer title loans at this time. We mainly focus on unsecured products, including payday, installment, and personal loans, that do not require using your vehicle as collateral. Title loans also tend to be refinanced more often: in 2025, single-payment title loans in the Houston area averaged 1.67 rollovers per loan, compared with 0.35 for installment payday loans1.
You can apply online on our website, anytime, from any device with an internet connection. It’s fast and simple, requiring minimal steps from your side.
Texas Office of Consumer Credit Commissioner
Credit Access Business Annual Report by MSA, Calendar Year 2025 (PDF), data as of March 24, 2026.
Texas Office of Consumer Credit Commissioner
Credit Access Business Annual Report by MSA, Calendar Year 2024 (PDF), revised November 6, 2025.
Texas Office of Consumer Credit Commissioner
2025 Report on Availability, Quality and Pricing of Certain Financial Services and Consumer Loan Products (PDF), December 1, 2025.
U.S. Census Bureau
American Community Survey 5-year estimates 2020–2024, ZIP Code Tabulation Area 77389, via Census Reporter.
City of Houston
Houston Permitting Center, Credit Access Business Certificate of Registration.
City of Houston
Administration & Regulatory Affairs, Credit Access Business (Payday and Car Title Lenders), Ordinance No. 2013-1163.
Texas Catholic Conference of Bishops
HB 1134: Uniform statewide payday lending regulations, October 2024.
