Simple application process. The process of getting funds is very easy to follow and stress-free.
February 15, 2026
Cash Loans Bear in Fairborn, OH 45324
Business Hours:
Monday-Sunday: 8am – 10pm
Branch Manager:
Leonidas Adams
Phone:
(937) 971-5360
Email:
leonidas.adams@loansbear.com
Almost instant approval for an emergency. No credit check problems, received the cash the same day.
November 26, 2025
Very helpful team. The workers at the store near me walked me through the process and were very patient.
September 3, 2025
Clear and transparent process. All fees and terms were explained to me before I signed.
June 9, 2025
About Our Fairborn Branch
At Cash Loans Bear, located at 3000 Presidential Dr, Suite 200, Fairborn, Ohio, you can apply for payday and installment loans. We work with borrowers regardless of their credit score and focus on your current income, with no credit check required in most cases. Apply for a loan online or visit our store from 8:00 AM to 10:00 PM for financial assistance.
Fairborn sits next to Wright-Patterson Air Force Base, the largest single-site employer in Ohio with about 38,000 military and civilian personnel as of August 2024.1 Loans through our network are not available to active-duty servicemembers or their covered dependents under the Military Lending Act, so on-base financial counseling is a better first stop if that applies to you. Civilian employees and contractors can apply as usual.
Products & Services
A payday loan is a short-term solution for when you need cash before your next paycheck. In Ohio, you borrow up to $1,000 and repay it in equal installments over 91 days to one year, unless each monthly payment is small enough relative to your income to allow a shorter term.2 They are simple, fast, and do not require a long-term commitment.
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These loans are commonly used when a borrower needs more than a small advance. An installment loan lets you borrow a larger amount and pay it back in manageable monthly installments. This is a more flexible option for bigger expenses without the pressure of a single repayment.
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You can borrow up to $1,000 for a payday loan in Fairborn, OH, as set by Ohio law2 and enforced by the Ohio Department of Commerce Division of Financial Institutions, and up to $5,000 for an installment loan. The exact amount depends on your income and our underwriting, within Ohio limits. Under Ohio’s Short-Term Loan Act, a loan of $1,000 or less runs from 91 days to one year, and a shorter term is allowed only if each monthly payment stays within 6% of your verified gross monthly income or 7% of your verified net monthly income, whichever is greater.2
You can receive funds the same day in most cases or by the next business day.
Ohio Short-Term Loan Rules at a Glance
Licensed short-term lenders in Ohio must follow these limits on loans of $1,000 or less. Your written contract must show the total fees, each payment amount and due date, and the APR before you sign.2
| Rule | Ohio limit |
|---|---|
| Maximum loan amount | $1,0002 |
| Loan term | 91 days to 1 year; shorter only if the income-based payment test is met2 |
| Repayment | Substantially equal installments of principal, fees, and interest2 |
| Interest | Up to 28% per year3 |
| Monthly maintenance fee | The lesser of 10% of the loan amount or $30; not allowed for active-duty servicemembers or their dependents3 |
| Origination charge | 2% of the loan amount, only on loans of $500 or more3 |
| Returned payment charge | One per loan, up to $20 plus any fees passed on by other financial institutions3 |
| Check cashing fee | Up to $10 if the lender pays you by check3 |
| Right to cancel | Return the full loan amount by 5 p.m. on the third business day after signing2 |
These limits apply to loans made under the Ohio Short-Term Loan Act. Installment loans above $1,000 are governed by other Ohio lending laws.
Other Locations in Ohio
- Holland, OH 6910 Airport Hwy unit 13, Holland, OH 43528 (419) 452-4704
- Lewis Center, OH 7801 N Central Dr unit A, Lewis Center, OH 43035 (614) 714-1350
- Liberty Township, OH 7570 Bales Street suite 410, Liberty Township, OH 45069 (513) 450-2915
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
- 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 in Fairborn
Hear back from us in 15 minutes
Get approved based on income, not your credit history
Apply online or visit our store in Fairborn
In most cases, you can receive cash the same day or by the next business day
Get clear, well-explained terms and fees before you sign
Visit us in-store from 8:00 AM to 10:00 PM
Frequently Asked Questions
To apply for a loan, visit our page and complete a quick and simple form. You can submit your request at any time, any day. For an in-person experience, visit us at 3000 Presidential Dr, Suite 200.
Yes. We look at your current income and make it possible for borrowers to submit the application regardless of their score.
You can use loans for anything you need. They are commonly used for emergency expenses such as doctor’s visits, car repairs, utility bills, or rent.
Yes. If you own your home, the City of Fairborn’s Neighborhood Betterment Division runs a CDBG-funded program with loan and grant options for income-eligible homeowners and landlords.4 It has helped more than 100 homeowners with repairs such as emergency water line replacements, HVAC systems, and roofs.4 Call (937) 754-3060 or visit the city’s Neighborhood Betterment page to see if you qualify.
Yes. Under Ohio law, you can cancel a short-term loan by returning the full loan amount by 5 p.m. on the third business day after you sign, and your contract must state this right in writing.2
Sources
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City of Fairborn
Annual Comprehensive Financial Report for the Year Ended December 31, 2024 — local economy and employers. June 2025.
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Ohio Legislative Service Commission
Ohio Revised Code Section 1321.39, Short-Term Loan Requirements and Restrictions — short-term loan limits. October 2018.
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Ohio Legislative Service Commission
Ohio Revised Code Section 1321.40, Maximum Interest Rate; Permissible Short-Term Loan Fees — short-term loan fee caps. October 2018.
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City of Fairborn
2025-2029 Consolidated Plan — local income and housing costs. 2025.
