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NMLS ID 928653

DISCLAIMER: Loans are offered by Cash Loans Bear LLC. Applying does not constitute an offer. An offer is not binding until you sign. Approval is not guaranteed. Review all disclosures and the loan agreement before you sign.

We offer payday and installment loans online and in store, where state law allows. Loan amounts typically range from $100 to $5,000 depending on the product, your eligibility, and your state. Rates, APRs, and fees are disclosed in your agreement before you sign and may change.

Representative examples

Installment loan: A $5,000 loan at 99% APR over a 12-month term with $0 origination fees would carry a monthly payment of about $672.09 and a total repayment of roughly $8,065 (about $3,065 in interest). If origination fees apply, the APR would be higher.

Payday loan: A $500 loan over 14 days with a $75 finance charge has an APR of 391%. Total amount to repay: $575.

Approval and APR depend on income, state of residence, and ability to repay. Not all applicants qualify. These loans are not available to active-duty servicemembers or their dependents covered by the Military Lending Act (10 U.S.C. §987), because the APRs exceed the 36% MAPR cap.
In Q3–Q4 2025, 69.5% of applicants received an initial decision in under 15 minutes.
Approved and signed loans can be funded on the day of application. Funding times may vary based on your bank and other factors. Same-day funding is possible for applications completed before 10 a.m. local time on business days. Otherwise, funds arrive the next business day.
Per 12 CFR §§1041.8 and 1041.9, we will not attempt to debit your account after two consecutive failed attempts without a new authorization. We send a first-payment-withdrawal notice 6–10 business days before the first attempt (mail) or 3–7 business days (electronic), and an unusual-withdrawal notice before any non-standard debit.
Products may not be available in all states. State laws may limit available loan products, and customers will be informed of any limitations after selecting their state at the start of the online application process. Payday lending is banned or severely restricted in NY, NJ, CT, MA, MD, PA, VT, WV, AR, AZ, GA, NC, NH, NM, CO, OR, MT, SD, and DC. Payday loans are not available in Maryland and other restricted states; in Maryland only installment loans (offered under a Maryland Consumer Loan Law license) are available.
These loans are short-term financial solutions, not a long-term plan. Rollovers significantly increase cost and can lead to a cycle of debt. If you cannot repay on time, contact us about a no-cost extended payment plan where available. Customers in a difficult situation should consider alternatives before signing.

Fees, interest, origination charges, late fees, and other amounts permitted by law are disclosed in your agreement before you sign.

We perform a soft credit pull on new applications to underwrite initial eligibility. You authorize this when you apply. If you receive and accept our offer, we may perform a hard pull, which can affect your credit score.

By applying, you authorize us to process your personal data to underwrite, fund, and service the loan, and to obtain credit reports as described in our Privacy Policy and Privacy Notice (GLBA).