Fast and simple application. The best store near me, got my cash the same day.
February 20, 2026
Cash Loans Bear in Fort Lauderdale, FL 33301
Business Hours:
Monday-Sunday: 8am – 10pm
Branch Manager:
Set Flannagan
Phone:
(954) 320-0976
Email:
set.flannagan@loansbear.com
Perfect for emergencies. I got almost instant approval from the lender. Great service.
December 12, 2025
The staff walked me through the process patiently. Very professional and helpful.
October 4, 2025
Clear terms and fees upfront. I knew exactly what to expect before signing.
August 7, 2025
About Our Fort Lauderdale Branch
The team at Cash Loans Bear at 200 North Andrews Avenue, Suite 200 offers payday and installment loans for local borrowers. We consider your income and repayment ability to help you apply for a loan that fits your needs.
Our goal is to keep the process simple and fast, so you can get the funds you need without unnecessary delays. Apply online anytime, or stop by in person between 8:00 AM and 10:00 PM to get started.
Products & Services
A small, short-term loan you repay on your next payday. This is a good option when you need a quick cash advance without committing to months of payments.
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Structured loans designed for expenses that go beyond a payday advance. Installment loans are repaid in monthly amounts rather than a single lump sum, offering more manageable payments.
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Borrowers can take up to $500 for a cash advance in Fort Lauderdale under rules set by the Florida Office of Financial Regulation, or up to $5,000 for an installment loan. Florida caps the payday fee at 10% of the amount you borrow plus a $5 verification fee, and you can have only one payday loan open at a time1. The exact amount depends on your income and our underwriting.
Funds can appear in your bank account the same day or by the next business day, depending on your bank’s processing.
What a Payday Loan Costs in Florida
Because Florida’s fee cap is a flat 10% plus $5, you can work out the most a lender is allowed to charge before you apply1. The table shows the maximum cost for common amounts on a 14-day term.
| Amount borrowed | Max fee (10% + $5) | Total to repay | APR on a 14-day term |
|---|---|---|---|
| $100 | $15 | $115 | 391% |
| $200 | $25 | $225 | 326% |
| $300 | $35 | $335 | 304% |
| $400 | $45 | $445 | 293% |
| $500 | $55 | $555 | 287% |
APRs are calculated from Florida’s maximum fee and rounded. A longer term lowers the APR: $500 for 31 days at the same $55 fee works out to about 129%. Your lender will show the exact finance charge and APR before you sign.
APR at Florida’s maximum fee, 14-day term
The flat $5 verification fee weighs more on small loans. Calculated from the Florida fee cap1.
If You Can’t Repay on Time
Florida does not allow rollovers. You must repay a payday loan in full and wait 24 hours before taking a new one1. If you know you can’t pay by the due date, tell your lender in person before that date. Florida law then gives you a 60-day grace period with no additional charges, as long as you make an appointment for consumer credit counseling within 7 days2.
Other Locations in Florida
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.
Before You Borrow in Fort Lauderdale
Some local bills are going up. For fiscal year 2026, the city’s illustrative tax bill for a single-family home with a $641,000 taxable value rises from $3,379 to $3,562, an increase of $183, mostly from higher fire and stormwater assessments3.
| City tax bill line | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Operating millage | $2,566 | $2,640 | +$74 |
| Voter-approved debt | $158 | $143 | −$15 |
| Stormwater assessment | $327 | $376 | +$49 |
| Fire assessment | $328 | $403 | +$75 |
| Total | $3,379 | $3,562 | +$183 |
City portion only. County, school district and other taxing authorities bill separately3.
Borrowing costs more when payments slip. Across the U.S., 4.8% of household debt was in some stage of delinquency at the end of 2025, and credit card balances reached $1.28 trillion, up 5.5% in a year4. Plan your repayment date around your next paycheck before you sign.
Lower-Cost Help From the City of Fort Lauderdale
If your emergency is a home repair or a down payment, a city program may cost far less than a short-term loan. These programs are for income-eligible residents and properties inside city limits.
| City program | Up to | What it covers |
|---|---|---|
| First-Time Homebuyers Program | $75,000 | Loan toward down payment and closing costs5 |
| Housing Rehabilitation Program | $85,000 | Roof, windows, A/C, plumbing, electrical and accessibility repairs; deferred, interest-free loan secured by a lien6 |
| Emergency Repair Program | $20,000 | Urgent fixes such as A/C or water heater replacement for very low- to moderate-income homeowners6 |
Call the city’s housing office at 954-828-4527 to check eligibility. Rehab and emergency repair applications are accepted online6.
Explore Loans by State:
Why Choose Cash Loans Bear
Fast decisions, usually within 15 minutes
Approval based on income, even with bad credit
Compliance with Florida regulations
Same-day funding available in many cases
Frequently Asked Questions
Yes. No traditional credit check is required in most cases. Lending decisions are primarily based on current income and your repayment ability. Cash Loans Bear runs a soft credit pull, which doesn’t affect your credit score. If you accept an offer, the lender may run a hard pull.
The most a Florida lender can charge on $500 is $55: a $50 fee (10%) plus a $5 verification fee, for a total of $5551. On a 14-day term, that equals an APR of about 287%.
No. Florida allows one open payday loan per borrower, tracked in a statewide database. After you repay, you must wait 24 hours before taking another one1.
Tell your lender in person before the due date. You can get a 60-day grace period with no extra charges if you schedule credit counseling within 7 days2.
Apply online anytime or visit us in person at 200 North Andrews Avenue, Suite 200, Fort Lauderdale, FL 33301.
There are no restrictions. You can use it for doctor’s appointments and medical bills, car repairs, rent, utilities, or any other emergency.
Sources
-
Florida Office of Financial Regulation
Payday Lenders (Deferred Presentment Providers) — state payday limits. Accessed September 2026.
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Florida Office of Financial Regulation
Deferred Presentment Provider — grace period rule. Accessed September 2026.
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City of Fort Lauderdale
FY 2026 Tentative Operating Budget (CAM #25-0720) — city tax bill. 2025.
-
Federal Reserve Bank of New York
Quarterly Report on Household Debt and Credit, 2025:Q4 — household delinquency. February 2026.
-
City of Fort Lauderdale
Housing Programs — homebuyer loan limit. Accessed September 2026.
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City of Fort Lauderdale
State Housing Initiatives Partnership Program (SHIP) — home repair loans. 2026.
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Florida Office of Financial Regulation
Fast Facts, 12th Edition — licensee counts. January 2025.
