I needed money to fix a leaking roof. The staff was so understanding and got me the funds I needed right away.
March 6, 2026
Cash Loans Bear in Sumter, SC 29150
Business Hours:
Monday-Sunday: 8am – 10pm
Branch Manager:
Bret Bradley
Phone:
(803) 962-9985
Email:
bret.bradley@loansbear.com
I’ve used a few loan companies before, but none were as prompt or smooth as this. I got my money in under 24 hours.
February 18, 2026
I needed a cash loan for home repairs. My brother recommended the loan company Cash Loans Bear in Sumter, South Carolina. I received the money without unnecessary effort, the house was quickly repaired, and now I’ve already paid back the loan.
January 23, 2026
The application took only a few minutes, and I received the money instantly in the store. Very convenient!
December 17, 2025
About Our Sumter Branch
Cash Loans Bear in Sumter, SC, offers small personal loans with no credit check. The company strives to offer local residents a simple loan process and clear terms so that everyone can cover small financial gaps.
Our location near Sumter Mall makes it easy to find us. If you need funds quickly, our team can help you apply. Visit our location to review your options and choose terms that fit your needs.
Shaw Air Force Base is by far Sumter’s largest employer, with nearly 9,000 active-duty military and civilian workers,1 and Sumter County’s unemployment rate was 5.3% on June 30, 2025, down from 5.7% a year earlier.2 If you’re on active duty or a dependent covered by the Military Lending Act, the loans on this page aren’t available to you. See the FAQ below for details.
Products & Services
A payday loan is a small, short-term loan designed to help cover emergency expenses until your next paycheck. The repayment term is short, and the full amount, including interest, is typically repaid in a single payment.
Apply Now
An installment loan allows you to borrow a lump sum and repay it through fixed, scheduled payments over time.
Apply Now
Cash Loans Bear offers two financial products: a short-term payday loan up to $550 and an installment loan up to $5,000. Payday loan limits are set in accordance with regulations from the South Carolina Board of Financial Institutions. The exact amount will be shown in your agreement and will depend on your ability to repay, credit history, and existing debt.
You can receive the money the same day if you submit the application before 10:30 AM local time. If you apply in the evening, the payment will be processed the next day. When the funds are deposited also depends on your bank’s processing speed. You can receive cash in the store immediately after signing the agreement.
Loan Costs in Sumter: What State Data Shows
South Carolina doesn’t set one APR cap for most consumer loans. A lender that plans to charge more than 18% APR must file its maximum rate with the South Carolina Department of Consumer Affairs (SCDCA) and post that rate where it does business.3 These filed rates are ceilings, not the rate on every loan, but they show how pricing in Sumter compares with the rest of the state.
550%
Highest fixed APR a consumer lender filed in Sumter County, 20253
227.84%
Average maximum fixed APR filed by lenders based outside South Carolina, 20253
By our count of the SCDCA county table, Sumter had the 20th-highest average filed APR among South Carolina’s 46 counties in 2025. Its average dropped by 4.56 percentage points from the year before, and several nearby counties saw larger drops.
Average maximum fixed APR filed for consumer loans, 2024 vs. 2025
| Lenders filing in | 2024 | 2025 | Change (pts) | 2025 level |
|---|---|---|---|---|
| Sumter County | 97.36% | 92.80% | −4.56 | |
| Clarendon County | 111.62% | 103.95% | −7.67 | |
| Darlington County | 106.64% | 95.68% | −10.96 | |
| Orangeburg County | 91.29% | 90.25% | −1.04 | |
| Florence County | 90.41% | 86.64% | −3.77 | |
| Richland County | 107.30% | 85.33% | −21.97 | |
| Calhoun County | 62.00% | 77.95% | +15.95 | |
| Kershaw County | 89.83% | 60.31% | −29.52 | |
| Lee County | 57.79% | 43.17% | −14.62 | |
| Median of all 46 SC counties* | 95.54% | 85.99% | −9.55 | |
| Lenders based outside SC | 210.23% | 227.84% | +17.61 |
Sources: SCDCA State of Credit Report 2026 (2025 filings)3 and 2025 (2024 filings).4 Filed rates are the highest APRs lenders say they may charge, not the rate on a specific loan. *Median and changes calculated by Cash Loans Bear from the SCDCA county tables.
Before you sign, compare the APR in your agreement with the maximum rate the lender has posted. SCDCA notes that payday lenders often charge 300% APR or more,3 so look at the total amount you’ll repay, not just the fee. You can check whether a company is licensed through SCDCA’s licensee lookup.
Other Locations in South Carolina
- Greenville, SC 600 Independence Blvd #200, Greenville, SC 29607 (864) 385-2523
- Hilton Head Island, SC 93 Mathews Dr, Hilton Head Island, SC 29926 (843) 891-6139
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
Fast process. Complete your application in minutes and get approval without delays.
No hidden fees. Clear, upfront terms with no surprise charges hidden in the fine print.
Licensed and trusted. We operate legally in South Carolina and comply with all state lending regulations.
Dedicated customer support. Quick responses, clear answers, and real people ready to assist.
Frequently Asked Questions
Yes, bad credit won’t automatically disqualify you if you meet the basic requirements and have a stable income.
You can apply for an online loan in South Carolina through the Cash Loans Bear website. Just fill out a short application, provide a few basic details, and submit it for review. If approved, funds are usually deposited into your account by the next business day. Before you accept an offer, check that the lender is licensed in South Carolina. In 2025, lenders based outside the state filed a higher average maximum APR than lenders in any South Carolina county.3
Not if you’re an active-duty servicemember or a dependent covered by the Military Lending Act (10 U.S.C. §987). The APRs on these loans are above the law’s 36% cap, so they aren’t offered to covered borrowers. Civilian base employees and veterans who aren’t covered by the MLA can apply. If you’re covered and need emergency funds, talk to your base’s financial readiness staff or a military relief society, such as the Air Force Aid Society.
Sources
-
City of Sumter
Annual Comprehensive Financial Report, Fiscal Year Ended June 30, 2024 (Reissued) — largest local employer. December 2025.
-
Sumter County, South Carolina
Annual Financial Report for the Fiscal Year Ended June 30, 2025 — county unemployment rate. December 2025.
-
South Carolina Department of Consumer Affairs
State of Credit Report 2026 — county maximum APR filings. July 2026.
-
South Carolina Department of Consumer Affairs
State of Credit Report 2025 — prior-year APR filings. July 2025.
