Verified reviews from people who requested a loan through Bear Loan — the fast ones, the fair ones and the ones that tell you to read the fee twice.
1,284 verified reviews · average across all products
Applied around 9 pm for a car repair, had an offer in a few minutes and the deposit landed before work the next day. The APR was shown up front, no surprises on the agreement.
Not the cheapest rate in the world, but clear, fixed, and I could pay it off early without a fee. Paid off in 10 months and my score is up.
Matched with three lenders in 15 minutes. One offer was higher than I wanted, so I picked another, which is the whole point of comparing.
Had a question about how the loan would be reported. A real person explained it in two minutes. No chatbot loop.
Soft check, offers in minutes, next-day deposit. Second time the amount was higher because the first was paid on time.
Lower rate than the cards, one fixed payment, done in 18 months. Wish I had done it sooner.
Got $400 the same day for a vet bill. The $60 fee is steep for two weeks — fine as a one-off, I would not make a habit of it. Three stars for the cost, five for the speed.
Everything verified automatically. I expected to be asked for pay stubs and never was. Signed on my phone during lunch.
19.99% was better than my credit union quoted. Only thing: I signed on a Friday afternoon so the money came Tuesday. Plan for that.
$300, paid back on Friday, done. The agreement said exactly what I would owe and that is what came out.
Other sites only talk about the monthly amount. Here the total repayment was right on the offer so I knew what I was agreeing to.
One offer only for my profile, but it was a fair one and funded next day. Four stars because I could not compare.
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Reviews are collected from borrowers after a loan is funded and checked against the lender record before they're published. We publish positive, mixed and critical reviews; we don't pay for reviews or remove negative ones that meet our guidelines.
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Yes. Borrowers receive an invitation by email after funding. You can also email [email protected] with your request reference and we'll send a review link.
Bear Loan connects you with lenders; the loan itself is with the lender on your agreement. Reviews describe the whole experience — our matching and the lender's funding and service.
Request $200 to $5,000 with a soft credit check. If we help, tell the next person; if we don't, tell us.