One of the best companies that really cares about the people they work with. Very friendly faces and a professional approach. Definitely worth it if your situation is urgent
Worked with Nicolas a couple of times and was amazed by how professional he was. Thanks a lot for your help!
The money was deposited very fast. no problems with repayment
Very convenient process when you apply through their website. I don’t know how it all works at a store but getting a loan online was super easy
Cash Loans Bear has been operating in Leander, Texas, since 2021 to help residents overcome financial difficulties during tough times and economic swings. Our store is located in a high-growth corridor on the southwest corner of Ronald Reagan Blvd and Journey Pkwy. Leander has grown quickly: the city estimates its population at 96,138 for 2026, up from 78,063 in 2021.1 Our proximity to the major Leander spots, including the Bar W Marketplace, H-E-B, and Walmart, makes us easy to reach. Bar W Marketplace is also the largest property taxpayer in the city.1
For your convenience, we have a full-service lobby and personal assistance from our friendly staff. Visit us today, and we will help you apply for a payday or installment loan that fits your situation, with all terms explained upfront.
If you’re applying for a payday loan, the maximum amount through our lenders is $1,000. Installment loans offer larger amounts of up to $5,000. However, your loan amount is subject to approval based on your income, credit, and current debts. Texas law doesn’t set a dollar cap on payday loans arranged by credit access businesses, and the state regulator says these loans typically run from $400 to $1,200.2 Other limits depend on the loan type:
State limits for common loan types, 2025
| Payday and title loans (CAB) | Small installment loans | Larger installment loans | |
|---|---|---|---|
| Texas law | Finance Code ch. 393 | Finance Code ch. 342, subch. F | Finance Code ch. 342, subch. E |
| Maximum amount | No state cap; typically $400 to $1,200 | $1,800 | No cap if the rate is 18% or less |
| Loan term | 3 to 180 days | Usually 9 to 24 months | Can reach 60 months or longer |
| Cost limits | Lender interest up to 10%; broker fees not capped, so APR can exceed 400% | APR about 80% to 113% | Rates commonly 18% to 30%; admin fee up to $125 |
| Late charge | 5% of the payment or $7.50, whichever is greater | $10 or 5%, whichever is greater | 5% after 10 days |
Source: Texas Office of Consumer Credit Commissioner, 2025 report.2 Your lender’s agreement shows the actual terms.
You can learn more through the Texas Office of Consumer Credit Commissioner.
Leander is part of the Austin-Round Rock-San Marcos metro area, where 44 credit access business locations filed 2025 annual reports with the state.3 Together they reported 19,586 new payday and title loans worth $23.2 million, plus 17,266 refinances.3 Fees on those loans added up to $37.1 million, which is more than the new loan money itself.3 Most of that cost builds up through refinancing, so it pays to have a plan to repay by the first due date.
All four credit access business loan types combined, Austin-Round Rock-San Marcos MSA
Source: Texas OCCC, Credit Access Business Annual Report, CY 2025, by MSA.3 Totals summed across single-payment and installment payday and title loans.
The state regulator compared ways to cover a $1,500 expense using Texas legal limits and average reported fees. In its example, a larger installment loan costs $1,881 in total, while a payday loan refinanced at each due date costs $6,986.2 These are the regulator’s examples, not our lenders’ rates. Your offer will show the actual APR and total cost before you sign.
Regulator’s worked example, by type of credit
| Option | Example APR | Total repaid |
|---|---|---|
| Cash savings | 0% | $1,500 |
| Credit card | 22% | $1,829 |
| Larger installment loan | 44% | $1,881 |
| Small installment loan | 92% | $2,345 |
| Pawn loan | 180% | $4,200 |
| Title loan | 262% to 366% | $5,421 |
| Payday loan | 365% to 496% | $6,986 |
Source: Texas OCCC, 2025 report, loan comparisons.2 Payday and title examples assume the loan is refinanced at each due date with only the fee paid until payoff.
Direct deposits are processed quickly after approval, so most borrowers can access the funds in their bank accounts as soon as the next business day. Depending on your bank’s cut-off times, you can also receive your loan on the same day, provided that you finalize it before 10 AM on a banking day. In-store applicants may get their cash loans instantly if they provide a check for repayment.
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 check
Fast and easy loan process 24/7
Same-day or next-day funding
Data privacy and security
Customer-focused support team
Convenient repayment options
Sure. You do not need to meet specific credit score requirements to submit an application. Approval mostly depends on your income and your overall financial situation. A soft credit check will be made to estimate your eligibility.
An online loan application is available to all Texas residents 24/7 via the Cash Loans Bear website. All you need is to fill out a simple form and attach copies of the required documents. Don’t worry, we use modern encryption protocols to protect your data at each step of the process.
Yes, under state law. In Texas, payday and title loans are arranged by credit access businesses licensed by the Office of Consumer Credit Commissioner under Chapter 393 of the Texas Finance Code. The third-party lender’s interest is limited to 10%, but the broker’s fees aren’t capped, and a late charge can be 5% of the payment or $7.50, whichever is greater.2 You can check a license or file a complaint with the OCCC at 800-538-1579.
You can, but compare your options first. Under Texas law, a late property tax bill gets a 6% penalty in the first month plus 1% for each extra month, reaching 12% if it’s still unpaid on July 1, with 1% interest per month on top and a possible collection fee of up to 20%.1 Homeowners 65 or older, disabled veterans, and surviving spouses of disabled veterans can split homestead taxes into four installments.1 Licensed property tax lenders made residential loans averaging $21,399 at an average rate of 13.99% in 2024, with average closing costs of $927.2 Homeowners 65 and older with a homestead exemption can defer their taxes instead and aren’t eligible for these loans.2
City of Leander, Texas
Preliminary Official Statement: Combination Tax and Revenue Certificates of Obligation, Series 2025 — city population and property tax data. September 2025.
Texas Office of Consumer Credit Commissioner
2025 Report on Availability, Quality and Pricing of Certain Financial Services and Consumer Loan Products — Texas loan rules and costs. December 2025.
Texas Office of Consumer Credit Commissioner
Credit Access Business Annual Report, Calendar Year 2025, by MSA — Austin-metro payday and title volume. March 2026.
