Needed cash fast for an unexpected bill, and LoansBear delivered. Fast approval, and the money hit my account the same day without hassle.
Support staff were super helpful and explained everything clearly before I accepted the offer. Had a few questions, and the team answered them quickly. Overall, a positive experience.
Found myself short between paychecks and applied online. The process was easy and quick, and I had a decision within minutes, with funds in my bank account the same day!
Very quick deposits — I received my loan by the end of the same day. Clear terms and no surprises.
Our Boerne store provides quick funding options to help cover emergencies. All you have to do is visit our store at the address below, apply, and get approved to access payday and installment loans. We consider applicants with bad credit and work with you to find a suitable financial solution.
Our customer support is always here to help with any questions you have. If this sounds interesting, visit our store today to get an offer you can trust!
We may offer between $100 and $5,000, subject to eligibility. Not every applicant qualifies for the maximum amount. For comparison, about 86% of the installment payday loans arranged in Texas in 2024 were for $1,000 or less1.
Based on 1,376,354 new installment payday loans reported to the Texas OCCC for 20241. Statewide data, not Cash Loans Bear figures.
If approved, you can receive the cash within one business day. However, if you apply early in the morning, you can get the money on the same day.
The Texas Office of Consumer Credit Commissioner compares what the same $1,500 emergency costs when it’s covered with different kinds of credit. The gap is large, so it’s worth checking cheaper options before you choose a payday or title loan1.
| How you cover $1,500 | Example APR | Finance charge | Total repaid |
|---|---|---|---|
| Cash savings | 0% | $0 | $1,500 |
| Credit card | 22% | $329 | $1,829 |
| Larger installment loan | 44% | $381 | $1,881 |
| Small installment loan | 92% | $845 | $2,345 |
| Pawn loan | 180% | $2,700 | $4,200 |
| Auto title loan | 262–366% | $3,921 | $5,421 |
| Payday loan | 365–496% | $5,486 | $6,986 |
OCCC examples, not quotes from our lenders. Payday and title figures assume an installment loan that is refinanced at each due date, with only the accrued fee paid until payoff. Your lender discloses the actual APR, fees, and total cost before you sign.
Refinancing is where most of that extra cost comes from. Of the single-payment payday loans closed in Texas in 2024, about 37% had been refinanced at least once before they were paid off, compared with roughly 10% of installment payday loans1. If you think you’ll need more time, ask your lender about a no-cost extended payment plan before your due date.
Calculated from OCCC 2024 data: 71,304 of 193,607 single-payment loans and 89,909 of 890,595 installment loans closed after one or more refinances1.
For many Boerne homeowners, the biggest bill of the year is property tax. For fiscal 2025, the City of Boerne’s rate was $0.4716 per $100 of assessed value2, and Boerne ISD set its 2025–26 rate at $1.0109 per $1003. Your total bill also includes Kendall County and any other taxing units where your property sits. School district taxes are due by January 31, and taxes not paid by then pick up penalties and interest3.
If a tax bill is the emergency, ask the tax office about a homestead payment plan first. Texas property tax loans on homes averaged a 13.99% interest rate in 2024, and the homestead exemption for school district taxes rose to $140,000 in 2025, which lowers the school portion of the bill for eligible homeowners1.
| Boerne at a glance | Figure |
|---|---|
| Population (2024/25) | 22,712 |
| Median home value | $548,478 |
| Unemployment rate | 3.9% |
| Sales tax rate (6.25% state, 1.50% city, 0.50% Kendall County) | 8.25% |
| City of Boerne property tax rate, FY 2025 (per $100) | $0.4716 |
| Boerne ISD property tax rate, 2025–26 (per $100) | $1.0109 |
Sources: City of Boerne FY 2025 financial report2; Boerne ISD 2025 financial report3.
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.
FICO-friendly approach
Flexible solutions for emergency situations
Fast decisions and quick funding
Excellent customer service
Sure! We consider applicants with bad credit and look at other criteria, such as DTI or income, to make the final decision.
You need to ensure you’re eligible before applying. The criteria include:
If everything checks out, visit the store and apply, bringing any supporting documents needed to confirm your eligibility.
Contact your lender before the due date and ask about a no-cost extended payment plan. Under Texas rules for payday and title loans, a late charge can be assessed 10 days after the due date and is 5% of the payment or $7.50, whichever is greater, and the loan agreement can’t run longer than 180 days.1 Rolling the loan over adds new fees, so treat it as a last resort.
Payday and title loans in Texas are arranged by credit access businesses licensed by the Texas Office of Consumer Credit Commissioner (OCCC). In 2024, 1,524 licensed credit access business locations filed activity reports with the OCCC1. You can check a location’s license or file a complaint through the OCCC website.
Texas Office of Consumer Credit Commissioner
2025 Report on Availability, Quality and Pricing of Certain Financial Services and Consumer Loan Products — Texas small-dollar loan data. December 2025.
City of Boerne
Popular Annual Financial Report, Fiscal Year 2025 — local tax and economic data. Fiscal year ended September 2025.
Boerne Independent School District
Annual Comprehensive Financial Report, Fiscal Year Ended June 30, 2025 — school tax rate and due date. November 2025.
