Fast funding even with bad credit. Simple application and very reliable lenders.
February 27, 2026
Cash Loans Bear in Redding, CA 96002
Business Hours:
Monday-Sunday: 8am – 10pm
Branch Manager:
Daniel Lewis
Phone:
(530) 561-6240
Email:
daniel.lewis@loansbear.com
The application process is very easy. Got a response in no time!
February 15, 2026
No paperwork and no waiting in line to be approved. Great service.
November 17, 2025
Professional and helpful staff. They are straight with you, and you know exactly what you're agreeing to.
August 21, 2025
These reviews are from verified customers; results are not typical.
About Our Redding Branch
Cash Loans Bear offers payday and installment loans to Redding residents. We evaluate your income, not your credit score, and help you get funds directly into your bank account, often the same day. Apply online or visit our store at 2150 Churn Creek Road, where our team will guide you through the process.
Redding at a Glance: Local Numbers
Redding is the county seat of Shasta County and home to an estimated 93,534 people.1 Household budgets here run tighter than the national average, and the job market is steady but slightly softer than the U.S. as a whole.
$71,140
Median household income, Redding metro, 2024, vs $81,604 nationally2
14.7%
Residents below the poverty line, Redding metro, 2024, vs 12.2% nationally2
5.0%
Shasta County unemployment, April 2026, vs 4.0% nationally3
19,100
Jobs in private education and health care, the area’s largest sector, April 20263
Health care, retail and hospitality are the backbone of local employment, with 12,700 jobs in trade, transportation and utilities and 7,200 in leisure and hospitality.3 When a car repair or a utility bill lands between paychecks, a small, short-term loan can bridge the gap. It works best for a one-time expense you can repay on your next payday, not for ongoing costs.
Products & Services
A short-term payday loan in Redding, CA, can help you cover small emergency expenses, such as unexpected bills, car repairs, and urgent home improvements.
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Installment loans are commonly used for larger expenses. They are more manageable and budget-friendly due to a longer repayment period and fixed monthly payments.
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What Is the Maximum Payday Loan Amount I Can Borrow in California?
California caps a payday loan check at $300, and the fee can’t exceed 15% of the check, so the most you can receive is $255 after the $45 fee. The lender can hold the check for up to 31 days.4 These limits come from California’s Deferred Deposit Transaction Law, which is enforced by the California Department of Financial Protection and Innovation (DFPI).
| California rule | Payday loan | Installment loan, $2,500 to under $10,000 |
|---|---|---|
| Loan size | Check of up to $300 (up to $255 in hand) | $2,500 to $9,999 |
| Price limit | Fee up to 15% of the check | 36% simple annual interest plus the Federal Funds Rate |
| Term | Up to 31 days | Fixed monthly payments |
| Returned payment fee | One fee of up to $15; no late fees | Set by the loan agreement within state law |
Sources: California Financial Code §§23035-230364; DFPI5.
Installment loans under $2,500 fall under separate California Financing Law rate limits. Your lender will show the exact APR and total cost before you sign.
You can apply for an installment loan and borrow up to $5,000, repaid in monthly installments over 3 to 48 months.
Other Locations in California
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
- 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
Income-based approval rather than credit score checks
Responses for most applicants within 15 minutes
Options available for borrowers with bad credit
Funding on the same day or by the next business day**
**Funds may be deposited on the same day if the application is sent before 10 a.m.
Your Rights If You Can’t Repay on Time
California law protects payday borrowers who fall behind.4
- A lender may offer an extension or a payment plan, but can’t charge any extra fee for it.
- If your check or payment is returned, the lender can charge one fee of no more than $15, and no late fees.
- A lender can’t give you a new payday loan while your current one is still unpaid.
- You can’t be prosecuted, or threatened with prosecution, for a returned payday check.
- The lender can’t take collateral for a payday loan.
Payment plans are common: California lenders arranged 270,329 of them in 2024, covering about $52.8 million.6 If you think you’ll miss a due date, call your lender before it arrives. You can also reach our Redding branch at (530) 561-6240, and we’ll explain your options.
Frequently Asked Questions
Yes. Payday loans are legal in California and regulated under the law.
Yes, you can. Approval is based primarily on income and ability to repay, but a soft credit inquiry is performed (this does not affect your credit score).
It depends on when you apply for a loan and how quickly your bank processes the deposit. Usually, the funds are received the same day or by the next business day.
Apply online through our website anytime. If you’d rather come in person, visit us at our Churn Creek Road location. We’re open seven days a week from 8:00 AM to 10:00 PM.
Sources
-
City of Redding
Annual Comprehensive Financial Report, fiscal year ended June 30, 2025 (published January 2026).
-
U.S. Census Bureau
American Community Survey 2024 1-year estimates, Redding, CA Metro Area profile (via Census Reporter).
-
California Employment Development Department
Redding MSA (Shasta County) Industry Employment and Labor Force, release of May 22, 2026.
