Customer support answered my questions quickly, and the application process didn’t feel overwhelming. Once approved, the funds were processed within the timeframe I was given.
The online form was simple and didn’t take long to complete. I liked that I could compare terms before accepting anything. It made the whole experience feel transparent and straightforward.
I was worried my credit history would hold me back, but I was still able to review an offer through the platform. Everything was explained upfront, which made me feel more confident moving forward.
Filled out the application in just a few minutes and received a response faster than I expected. The process was smooth, and I appreciated seeing the loan details clearly before making a decision.
Cash Loans Bear’s Florissant store offers Missouri residents a range of financing options. Our team is there to guide you through the process and provide quick answers to your questions. Full transparency and data security are our guiding principles, and we will ensure you understand the terms and conditions for each offer you receive.
Visit our store at 8198 N Lindbergh Blvd today and get the professional support you need in an emergency!
$300.94
Average payday loan in Missouri, 2025 state survey1
406%
Average payday loan APR in Missouri, 2025 state survey1
75%
Missouri cap on total interest and fees for a payday loan and all its renewals1
$7,000
City of Florissant home-repair loan at 0% interest, forgiven after five years.2
Applications closed for 2026
$1,500
Maximum one-time city payment toward past-due mortgage, rent, or utilities.2
Currently out of funds
State figures cover all licensed payday lenders in Missouri. They are not the rates of any single lender or of this store.
With us, you can borrow up to $500 with a payday loan, in line with limits set by the Missouri Division of Finance, and up to $5,000 with an installment loan, depending on your eligibility. The exact amount will be determined based on your income, credit profile, and other factors.
Missouri caps payday loans at $500 with terms of 14 to 31 days. A loan can be renewed up to six times, but the interest and fees on the original loan and all renewals combined can’t exceed 75% of the amount you borrowed.1 On the state’s average $300.94 loan, that ceiling works out to $225.71.
If you apply early in the morning on a business day and are approved before 10 AM, you can get a same-day transfer. Otherwise, expect to get the money on the next business day.
The Missouri Division of Finance surveys licensed payday lenders every two years. Its February 2025 report covers October 1, 2023, through September 30, 2024, and is based on a 72.9% survey response rate.1 Florissant-level data isn’t published, so these statewide figures describe the market available to city residents.
Source: Missouri Division of Finance, Report to the General Assembly, Exhibit A.1
| Survey report | Average APR |
|---|---|
| 2017 | 451.94% |
| 2019 | 526.74% |
| 2021 | 414.29% |
| 2023 | 365.07% |
| 2025 | 406.26% |
The average APR rose 41 points between the 2023 and 2025 reports, while loan volume shrank by about two-thirds. The average borrower renewed 1.3 times, and 4,156 loans defaulted.1 On oversight, all 146 licensees examined in 2024 received a satisfactory rating, and no cease-and-desist orders were issued.1
| Measure | Value |
|---|---|
| Loans made (renewals counted as separate loans) | 77,292 |
| Change from previous survey | −65.9% |
| Average loan amount | $300.94 |
| Average number of renewals | 1.3 |
| Defaulted loans | 4,156 |
| Defaults as share of loans (2023 → 2025) | 4.41% → 5.37% |
| Licensed payday lenders, year-end 2024 | 203 |
| Licensees examined in 2024, all rated satisfactory | 146 |
Source: Missouri Division of Finance, February 2025 report, Exhibits A and B.1
Interest and fees on a $300.94 loan at the state’s average 406.26% APR, in U.S. dollars
Source: 14-day and 31-day costs from the Missouri Division of Finance 2025 report.1 The maximum is 75% of $300.94, based on the state cap in the same report.
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.
No hard credit checks
Near-instant approval decisions
No focus on your FICO score
Professional guidance for each client
You need to comply with the following criteria:
Please keep in mind that you may be asked to provide additional documentation (bank statements, pay stubs, lease agreement, utility bills, etc.).
Yes, you can. Simply fill out a short application on the Cash Loans Bear website, provide the required details, and submit it for review.
Sure. Cash Loans Bear considers applicants with bad credit. Instead of focusing only on your score, we look at other factors like income or your debt-to-income ratio (DTI). Read more about how income-based loans work.
Missouri Division of Finance
Report to General Assembly: Payday Lender Survey — payday loan costs and rules. February 2025.
City of Florissant
Annual Action Plan 2025 — city housing assistance programs. July 2025.
