The website is very easy to use. The layout is quite convenient, and all the necessary functions are easy to find. I had no problems with applying for a loan.
The loan process was simple and fast. The managers were very polite and helped me understand all the details. The loan terms turned out to be transparent and favorable.
I would like to note the convenient location of the store. The staff is polite, and the manager explained all the loan conditions. The decision was made almost instantly.
I received a loan in the amount of $3,000, even though my credit history is far from perfect. The terms are reasonable, the loan was approved without problems, and the whole process took just one day.
Cash Loans Bear is a legitimate company located in Saugus, CA, serving residents throughout the Santa Clarita area and helping them cover emergency expenses. The process is simple: a short application, clear terms without hidden clauses, and prompt data verification. A decision is made quickly, and if approved, the client can receive the money on the day of application.
Our office is conveniently located near Bouquet Canyon Rd and Plum Canyon Rd, making it easy to reach from different parts of Santa Clarita. We’re open seven days a week so help is available when you need it most. Visit during working hours — our staff will explain which documents are required and guide you through the entire process step by step.
Here is a quick look at household finances in ZIP 91350 and at the payday loan market across California. Local figures come from the U.S. Census Bureau, and statewide payday figures come from the California Department of Financial Protection and Innovation (DFPI).
The APR is a statewide average reported by licensed lenders, not the rate of a specific loan offered through Cash Loans Bear. Your lender will show your exact APR and fees before you sign.
Not every household in the valley is in that income bracket. About 19.2% of Santa Clarita Valley households earn less than $50,000 a year,3 and the median gross rent in ZIP 91350 is $2,531 a month.1 With fixed costs like these, one unplanned bill can be enough to leave a gap until the next paycheck.
Since California state law and DFPI regulations provide borrowers with protection when using short-term loans, the maximum permitted amount for payday loans is $300.2 You will receive $255 in hand after fees are deducted. That’s because California caps the payday fee at 15% of the check ($45 on a $300 check), and the lender can hold your check for no more than 31 days.2 By applying for an installment loan, you can receive up to $5,000.
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.
Licensed operation. The company operates strictly within the law and holds a license to provide loans.
Secure data protection. The SSL certificate ensures payment security and protects personal information from unauthorized access.
Transparent terms. All information about loan costs, rates, and conditions is clearly stated in the agreement with no hidden fees.
Fast application review. Loan decisions are made quickly, allowing borrowers to receive funds without long wait times.
A payday loan works best for a one-time expense. State data shows how often it turns into a series of loans instead. In 2024, repeat loans made up 70.32% of all payday loans in California, and customers who took seven or more loans paid $185.6 million, or 75.45% of all payday fees.2
Share of 4.12 million repeat loans, by days after the previous loan was repaid
Source: California DFPI, 2024 Annual Report of Payday Lending Activity, Chart 19.2
If you can’t repay on time, ask your lender about a payment plan before taking a new loan. California’s licensed payday lenders arranged 270,329 payment plans worth $52.8 million in 2024.2 Also make sure the full amount is in your checking account on the due date: 10.52% of California payday loans in 2024 involved a returned check.2
Usually, the money is deposited into your bank account within 1 business day. However, if you need financial assistance on the same day, submit your application before 10:30 AM or apply in person at the company’s office.
Yes, at Cash Loans Bear, you can receive a loan even if you have a poor credit history. The company understands that everyone may have made mistakes in the past, so the focus is placed on your current ability to repay, and most loans are provided with no credit check.
U.S. Census Bureau
American Community Survey 2020–2024 5-Year Estimates, ZIP Code 91350 (compiled by ZIP-Codes.com) — local income and housing. September 2026.
California Department of Financial Protection and Innovation
2024 Annual Report of Payday Lending Activity Under the California Deferred Deposit Transaction Law — state payday limits and volume. July 2025.
Santa Clarita Valley Economic Development Corporation
SCV Quick Facts (2025 Santa Clarita Valley Economic Outlook) — household income distribution. 2025.
