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DISCLAIMER: This website does not constitute an offer or solicitation to lend or provide funding. Before applying, please review the disclosures to understand the process.

Cash Loans Bear is not a lender, or representative thereof. The Loansbear.com website does not offer or provide loans, but rather, it offers a service. Cash Loans Bear connects clients with potential lenders and transmits their application information. Submitting an application does not guarantee approval, and lenders may decide not to make an offer based on their own eligibility criteria. As Cash Loans Bear works with multiple lenders, offers may vary.

Participating lenders offer loans from $100 up to $5,000. Not all lenders will offer the maximum amount as they set their own rates, APRs, and fees, and Cash Loans Bear does not control the terms and conditions. Any advertised or otherwise publicly shown rates and terms are subject to change without notice.

Representative examples

Installment loan: A $5,000 loan at 99% APR over a 12-month term with $0 origination fees would carry a monthly payment of about $672.09 and a total repayment of roughly $8,065 (about $3,065 in interest). If the lender charges origination fees, the APR would be higher still.

Payday loan: A $500 loan over 14 days with a $75 finance charge has an APR of 391%. Total amount to repay: $575.

Approval and APR depend on income, state of residence, and ability to repay. Not all applicants qualify. Loans offered through Cash Loans Bear are not available to active-duty servicemembers or their dependents covered by the Military Lending Act (10 U.S.C. §987), because the APRs offered exceed the 36% MAPR cap.
An offer isn’t binding until you sign. Review the terms before signing.
In Q3–Q4 2025, 69.5% of applicants received an initial decision in under 15 minutes.
Approved and signed loans can be funded on the day of application (if approved). Funding times may vary based on the customer’s bank, eligibility criteria, and other factors. Same-day funding is possible for applications completed before 10 a.m. local time on business days. Otherwise, funds arrive the next business day.
Per 12 CFR §§1041.8 and 1041.9, the lender will not attempt to debit your account after two consecutive failed attempts without a new authorization; the lender sends a first-payment-withdrawal notice 6–10 business days before the first attempt (mail) or 3–7 business days (electronic), and an unusual-withdrawal notice before any non-standard debit.
Cash Loans Bear’s services may not be available in all states. State laws may limit available loan products, and customers will be informed of any limitations after selecting their state at the start of the online application process. Payday lending is banned/severely restricted in NY, NJ, CT, MA, MD, PA, VT, WV, AR, AZ, GA, NC, NH, NM, CO, OR, MT, SD, DC. Payday loans are not available in MD and other restricted states; only installment loans (offered under a Maryland Consumer Loan Law license) are available there.
Rollovers significantly increase the cost of your loan and can lead to a cycle of debt. We strongly encourage you to contact your lender about a no-cost extended payment plan first.

Cash Loans Bear does not charge any fees for its services. Participating lenders may charge fees in accordance with loan agreements, such as for payday or installment loans. These may include interest, origination fees, late fees, or other charges permitted by applicable law. The lender will disclose any fees, rates, and repayment terms before sending the offer.

As a service provider, Cash Loans Bear performs soft credit pulls on all new applicants to determine initial eligibility. Customers authorize this procedure upon submitting their applications. Participating lenders may also perform soft inquiries. When a customer receives and expresses interest in an offer, the lender may perform a hard pull, which will affect the customer’s credit score.

Customers should be aware that loans are short-term financial solutions. They do not constitute long-term financial plans and provide only immediate financial assistance. Customers currently in a difficult financial situation should consider alternatives before accepting offers.

Any customer who fills out the application authorizes the company to process and share their personal data with lenders and other third parties. Lenders may use their personal data to obtain credit bureau reports or otherwise process the information in accordance with their privacy policies.