$200 to $5,000. Three minutes. No fee.
One secure form reaches multiple licensed lenders. See any offers on screen with the full cost shown, accept the one you like — or walk away. Nothing on your credit score either way.
- 1Fill in the formAbout three minutes. Soft credit check only.
- 2See your offersAPR, payment and total cost on screen before you sign.
- 3Get fundedTypically the next business day; same day with some lenders.
Bear Loan is a loan-connection service, not a lender. Submitting a request does not guarantee an offer. Rates, terms and availability vary by lender and state.
By submitting you agree to our Terms of Use, Privacy Policy and E-SIGN consent, and to be contacted about your request by Bear Loan and participating lenders. Consent to texts is not required to use the service.
What happens in the next 24 hours
- MinutesLenders review your request. Offers — or a clear "no offers" message — show on screen and by email.
- Your moveRead the agreement: APR, payment, total cost, due dates. Accept, or close the tab. No obligation.
- Next business dayThe lender deposits to your checking account. Same day is possible if you accept early.
- RepaymentAutomatic debit on the schedule you agreed. Pay early without penalty with most lenders.
Not sure which loan to ask for?
Pick the one that matches how long you need — the form lets lenders offer any of the three.
Before you apply — FAQ
Does requesting a loan affect my credit score?
No. Matching you with lenders uses a soft inquiry, which isn't visible to other lenders and doesn't change your FICO score. Only the lender you accept may run a hard inquiry, after you've seen and agreed to the offer.
How long does it take?
The form takes about three minutes. Most people see a decision on screen within minutes. If you accept before the lender's cut-off (usually mid-afternoon ET on a business day), funds typically arrive the next business day; some lenders fund the same day.
What do I need to have ready?
Your Social Security number, a government ID number, your employer or income source with pay frequency, and the routing and account numbers of the checking account you want funds sent to.
Is there any fee to apply?
None — not to apply, not when funded, not later. Lenders pay us a referral fee; it isn't added to your loan.
Can I apply with bad credit?
Yes. There's no minimum credit score to submit a request. Lenders look at income and banking history alongside credit, and several in our network specialize in sub-600 scores. See bad credit loans.
What if I don't get an offer?
You'll be told on screen and by email, with no fee and no mark on your credit. The alternatives page lists other routes — credit-union PALs, payment plans, employer advances — ranked cheapest first.
Ready? The form is at the top of this page.
Three minutes, soft credit check, the full cost before you sign.