Everything went great from applying to getting the funds. No single problem.
February 21, 2026
Cash Loans Bear in Brunswick, ME 04011
Business Hours:
Monday-Sunday: 8am – 10pm
Branch Manager:
Bernie Sparrow
Phone:
(207) 481-4652
Email:
bernie.sparrow@loansbear.com
The final cost was clear, and that was exactly the amount I repaid. No hidden charges.
February 5, 2026
very easy loan process and super friendly staff
January 13, 2026
I got the funds in nearly two hours. It was very easy to apply and get approved
December 23, 2025
About Cash Loans Bear in Brunswick, ME
Cash Loans Bear prides itself on helping people in Brunswick, ME, get back on track quickly when unexpected expenses arise. We live where we work and are eager to contribute to our neighborhood to make it a better place to live and raise our children. Our loan solutions are designed for both your short-term and long-term needs without any focus on your credit score. We follow all Maine lending regulations designed to protect borrowers. You can learn more through the Maine Bureau of Consumer Credit Protection.
Our Brunswick store is located in the heart of the downtown historic district, in the same building as the Social Goose Restaurant & Bar, MT Counseling, and Nest gift shop. If you are looking for personalized assistance and professional guidance, come by during the operating hours and let our friendly employees help you each step of the way.
Products & Services
A payday loan is designed for small, short-term borrowing needs when time matters. You can borrow up to $1,000 and repay the funds within 14 to 31 days. Funds are typically deposited into your bank account within a day, making it a practical option for urgent situations.
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Our installment personal loans in Brunswick offer amounts between $500 and $5,000, with repayment terms ranging from 3 to 48 months. These loans are best suited for larger purchases and situations that require more repayment flexibility. Payments remain fixed and predictable, making them easier to fit into your budget.
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If you finalize your loan before 10 AM on a business day, you may get the money by direct deposit the same day. Otherwise, the funds will arrive the next business day.
How Maine Law Limits What a Loan Can Cost
Every licensed lender in Maine works within the same state limits, so it helps to know them before you compare offers.
Maine Consumer Loan Finance Charge Limits
| Maine rule | Limit |
|---|---|
| Loan balance up to $2,000 | 30% per year |
| Part of the balance from $2,000 to $4,000 | 24% per year |
| Part of the balance above $4,000 | 18% per year |
| Loans over $8,000 | 18% per year on the entire amount |
| Minimum charge, loans up to $75 | $5 |
| Minimum charge, loans over $75 and under $250 | $15 |
| Minimum charge, loans of $250 or more | $25 |
Source: 9-A M.R.S. §2-401.1
Because the rates are tiered, the highest blended rate drops as the loan gets larger:
Highest Blended Annual Rate Allowed in Maine by Loan Amount
| Loan amount | Highest blended annual rate allowed |
|---|---|
| $500 | 30% |
| $1,000 | 30% |
| $2,000 | 30% |
| $3,000 | 28% |
| $5,000 | 25.2% |
Calculated from the tiers in 9-A M.R.S. §2-401.1 Simplified illustration that does not include fees allowed elsewhere in the law. Not legal advice.
On short loans, the flat minimum charge can be higher than the rate-based charge. For a $500 loan repaid in 14 days, 30% a year comes to about $5.83, so the finance charge under this section could not exceed the $25 minimum.1
Other Locations in Maine
- Auburn, ME 220 Center St, Auburn, ME 04210 (207) 640-2229
- Bangor, ME 90 Longview Dr, Bangor, ME 04401 (207) 902-5610
- South Portland, ME 194 Maine Mall Rd, South Portland, ME 04106 (207) 707-6391
How It Works
1
Easy Application
Fill out your online application in just a few minutes.
2
Fast Decisions
Submit your details and get a quick approval decision.
3
Quick Funding
Funds may be deposited 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
- Your 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
Easy application
Professional customer support
Secure loan process
No hard credit check
Same-day funding options
Transparent loan terms
We have no minimum credit score requirement and accept borrowers with bad or no credit. Our underwriting looks at your overall financial situation, not just your FICO score. However, bad credit can mean less favorable loan terms.
The maximum payday loan amount allowed under Maine law is $1,000. If you apply for an installment loan, you can borrow up to $5,000. The maximum amount you can qualify for depends on your income, credit, and current debts.
Cash Loans Bear has an online application you can complete on our website 24/7. The funds will be transferred directly to your bank account, and repayment is taken automatically by ACH transfer on the agreed-upon date.
Some online companies partner with out-of-state banks that can bring their home state’s higher rates into Maine. In 2021, Maine passed an anti rent-a-bank law to make clear who the true lender is in these deals, and the state’s rate caps have been in place since 1997.2 Before you sign, check that the lender is licensed with the Maine Bureau of Consumer Credit Protection.
Sources
-
Maine Legislature, Office of the Revisor of Statutes
MRS Title 9-A, §2-401. Finance Charge for Consumer Loans — consumer loan rate caps. October 2025.
-
Maine Bureau of Consumer Credit Protection
Testimony of Linda Conti on L.D. 314 — anti rent-a-bank rules. February 2025.
