1Nature of service
Bear Loan (bearloanscashadvances.com) is a loan-connection service. We are not a lender, broker, agent or representative of any lender, and we do not make credit decisions. When you submit a request, we share it with participating lenders who may make you an offer. Submitting a request does not guarantee that you will be connected with a lender, approved for a loan, or receive the amount, rate or term requested. Lenders are solely responsible for their offers, agreements, servicing and collections.
2How we're paid
Our service is free to consumers. Participating lenders pay Bear Loan a referral fee when a request we deliver results in a funded loan, or in some cases when a request is delivered. The fee is paid by the lender, is not added to your loan, and does not affect the APR or terms you are offered. The order in which offers appear may be influenced by lender compensation; we disclose this so you can compare on cost, not position.
3Representative APR & examples
Lenders in our network set their own rates. Installment and personal loan APRs commonly range from 9.95% to 35.99%; short-term loans are priced as a finance charge per $100 borrowed and carry a much higher APR when annualized. Minimum term 14 days, maximum 36 months. The examples below assume no origination fee and on-time payment.
Late, missed or returned payments may incur fees set by the lender and permitted by state law, and may be reported to credit bureaus. Short-term loans are for short-term needs and are not a long-term solution; repeated borrowing can lead to a cycle of debt. See Rates & fees and the calculator.
4Credit checks & reporting
Requesting offers involves a soft inquiry that does not affect your FICO score. The lender you accept may perform a hard inquiry and may verify income and bank information through third-party services (for example, consumer-reporting agencies such as Clarity, DataX or Experian). Lenders may report payment history to one or more credit bureaus. We do not run hard inquiries and do not report to bureaus.
5State availability
Our service is not available in every state, and products, amounts, terms and rates vary by state law. Residents of states that prohibit or cap the products in our network may receive no offers or offers for a different product. See Loans by state. Lenders are licensed in the states they serve, or are tribal lenders operating under tribal law and disclosing that status on the offer.
6Military borrowers
Under the Military Lending Act (10 U.S.C. §987), lenders in our network do not offer loans with a Military Annual Percentage Rate above 36% to active-duty service members or their dependents. Covered borrowers are identified using the Department of Defense database at the time of the offer.
7Electronic records (E-SIGN)
By using the service you consent to receive disclosures and agreements electronically and to sign electronically. You may withdraw consent or request a paper copy from the lender; withdrawing consent may prevent the lender from completing your loan. You need a device with internet access, a current browser and the ability to store or print PDFs.
8Legal entity & notices
bearloanscashadvances.com is operated by bearloanscashadvances.com, 5310 Durham, North Carolina 27709. Legal notices and privacy requests: [email protected]. This site is not affiliated with Cash Loans Bear, Lending Bear or any other company using "bear" in its name.
Advertising disclosure: we may link to third-party products on comparison pages; we receive no compensation from the companies compared on Compare lenders or Alternatives.