Secure application · $200 – $5,000

Apply in five minutes. Decision in minutes, cash today.

One short form for every Bears Lending loan. Most loans use a soft credit check that never touches your score, and applications accepted before 3 PM Eastern are funded the same business day.

• Soft check on most loans. Installment, bad credit and line-of-credit applications never affect your score. A single hard inquiry runs only if you accept a personal or consolidation offer.
• The full offer, in writing. Amount, term, finance charge, APR and due date on one screen before you accept — or pick a different loan from the same screen.
• Funded today. Accept before 3 PM ET for a same-day deposit, usually by 5 PM. Or choose a store and pick up cash in 10–30 minutes.
• Pay early, no penalty. Interest stops the day you pay off a monthly loan. Cancel any loan by the next business day at no cost.