When the bill can't wait, the money shouldn't either.
Car, medical, rent, home, vet — pick the emergency and we'll show the loan type that fits, what it typically costs, and how fast funds arrive. Decision in minutes.
Pick your emergency
Each page shows typical costs, the loan type that fits, and tips before you borrow.
Match the loan to the size of the problem
Three things to do before you borrow
- Get the real number. A written estimate or an itemized bill — then request that amount, not a round one.
- Ask about a plan. Hospitals, utilities and many shops offer payment plans or deposits. Borrow the balance.
- Check the free options. Credit-union PALs, employer advances and local assistance cost less than any loan. Alternatives
Emergency loan FAQ
What is an emergency loan?
Any loan used for an unexpected, time-sensitive expense — a car repair, a medical bill, a shut-off notice. Through Bear Loan that means a short-term, installment or personal loan of $200 to $5,000, chosen by how much you need and how fast you can repay.
How fast can I get an emergency loan?
Decisions come in minutes. Funds usually arrive the next business day; same-day is possible for agreements signed before 10 a.m. local time with many lenders.
Can I get an emergency loan with bad credit?
Yes. No minimum score is required to request offers; lenders weigh income and bank activity. Lower scores usually mean smaller amounts or a higher APR.
Which loan type should I pick?
Under $1,500 and cleared next paycheck: short-term. A few hundred to a few thousand over months: installment. $2,000+ or consolidating: personal. Each use-case page recommends one.
Is there anything cheaper?
Often: a credit-union payday alternative loan, an employer advance, a biller payment plan, or local assistance. Check those first — see our alternatives page.
Handle it today. Request your offers.
$200 to $5,000 with a soft credit check. The agreement shows the cost before you decide.