Installment Loans
With Cash Loans Bear personal installment loans, you can get a fixed amount as soon as the same day and repay it in fixed monthly installments for up to 48 months. You can apply online or in-store, even with bad credit.
Main Features
Modified
Benefits of Installment Loans
Unlike payday loans, which typically offer smaller amounts and must be repaid in full by your next paycheck, installment loans offer more flexibility and are easier to manage. Here’s why people usually choose them over other short-term loan options:
Loan Amounts
$500–$5,000
Repayment Terms
2–48 months
APR*
Up to 200%
Min. Credit Score
None
*Extra fees may apply in some states. Read the terms of your loan agreement carefully.
How to Get Installment Loans with Cash Loans Bear
Here’s how the Cash Loans Bear online application process works:
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Tell us about yourself
Complete a simple application form and provide the basic information we need to assess your eligibility.
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Wait for approval
We use alternative verification methods as part of our underwriting process, making it possible to send you an instant response.
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Receive funding
If approved, review and sign the loan contract and get your loan funds in your bank account no later than the next business day.
Rates and Terms by State
Here is what Cash Loans Bear offers in accordance with local regulations:
| State | Max. Loan Amount | Max. APR* |
|---|---|---|
| California | $5,000 | 200.00% |
| Florida | $1,000 | 238.80% |
| Illinois | $5,000 | 36.00% |
| Maine | $5,000 | 200.00% |
| Maryland | $5,000 | 33.00% |
| Ohio | $1,000 | 149.85% |
| Oregon | $5,000 | 36.00% |
| Tennessee | $5,000 | 200.00% |
| Texas | $5,000 | 337.76% |
| Wisconsin | $5,000 | 385.00% |
*Approval is not guaranteed. Annual Percentage Rate (APR) will be determined based on your credit and the length of the loan. We charge no prepayment or application fees. Extra fees for processing, late payments, or monthly maintenance may apply in some states.
You can use the Cash Loans Bear Calculator to estimate your loan payments and total cost.
When an Installment Loan Might Help
Personal installment loans can be helpful when you face larger expenses but can’t rely on traditional financing due to credit issues or longer processing and funding times. People typically use them in the following situations:
Why Should You Choose Cash Loans Bear
Cash Loans Bear is a trusted loan service committed to helping people access bank-level loan options regardless of past credit mistakes. We treat every customer with care and work hard to deliver the fast, straightforward support people look for in urgent financial situations.
Easy Loan Process
You only need about 5 minutes and a few basic documents to complete the application.
Online and In-Store Services
You can visit one of our locations for a more personal experience, or apply online from anywhere.
No Hidden Fees
Transparency is our top priority, so we clearly explain the terms before you sign, so you can make an informed decision.
No Impact on Your Credit Score
Our small installment loans require only a soft credit check, so you can get an instant approval decision without affecting your FICO® Score.
Same-Day Funding
Applicants approved before 10 AM on a business day can get the loan funds on the same day they apply.
Customer-Centered Approach
We strive to understand your situation and provide the right solution that will work for you. Our customer care team will explain every loan detail to you.
FAQ
What are online installment loans?
Online installment loans are unsecured borrowing options with monthly payments that can be obtained without visiting a store. You receive the entire amount as a lump sum after completing a simple application form, and then repay it gradually over time. This flexibility makes your debt easier to manage.
What do I need to qualify?
We ask for your full name, contact information, a valid government-issued photo ID, Social Security number, proof of income, proof of address, and your active bank account details. You may also need to provide your employer’s contact details.
Do you offer online installment loans for bad credit borrowers?
An installment loan can be obtained with bad credit or no credit, as long as you can demonstrate your ability to repay. When evaluating your application, direct lenders pay attention to your income, current debts, payment history, employment stability, and spending patterns.
How does an installment loan affect my credit score?
As long as you pay on time, installment loans from Cash Loans Bear typically do not affect your credit. Your on-time payment will not be reported to major credit bureaus.
Are there installment loans available online with no credit check?
No legitimate lender offers loans without assessing your financial situation. At Cash Loans Bear, we use alternative verification methods to estimate a borrower’s income stability, spending patterns, and payment history. This process is called a soft credit check. Although such an inquiry does not affect your credit, it helps us understand whether you can repay the loan on time.
How will I receive my loan?
The loan funds will be deposited into your active bank or savings account via an ACH transfer. This process usually takes 1 business day. However, your bank’s cut-off time may also affect the speed of funding.
When will my loan be due?
The due date is usually determined based on the day when you get approved. However, many lenders allow you to adjust it to your pay date to make it easier to handle payments. Please review the terms of your loan agreement carefully before signing.
Where can I get an installment loan near me?
Depending on where you live, you can either visit our store to apply in person or complete an online application process. Cash Loans Bear has 40+ locations across the US. Visit our store page to find a location that’s convenient for you.
Do I need to get an installment loan now?
It depends on your individual situation. Before applying, assess your situation carefully and make sure you have a good reason to borrow. Compare all your options, as some alternatives may offer you more favorable terms. Take a closer look at your finances to ensure you can handle long-term debt without sacrificing your fixed monthly expenses.
Get the money you need and repay it in simple monthly installments!
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