Eligibility Requirements

General Requirements

To check your loan options through Cash Loans Bear, you must meet the following basic requirements:

• Age: Be at least 18 years old (19 in some states)
• Citizenship: U.S. citizen or permanent resident
• Income: Have a regular source of income (employment, benefits, or other verifiable income)
• Bank Account: Active checking account in your name
• Contact Information: Valid email address and phone number
• Identification: Valid government-issued ID

Income Requirements

Lenders in our network typically require proof of regular income. Acceptable sources may include:

• Employment income (salary, wages, tips)
• Self-employment income
• Social Security benefits
• Disability benefits
• Retirement income
• Other verifiable income sources

The minimum income requirement varies by lender and state. Some lenders may require a minimum monthly income of $800-$1,000.

Credit Considerations

Cash Loans Bear works with lenders who serve a variety of credit profiles, including those with less-than-perfect credit. However, meeting the basic eligibility requirements does not guarantee approval.

Each lender has its own credit criteria and approval process. Some factors lenders may consider include:

• Credit history and credit score
• Debt-to-income ratio
• Employment stability
• Banking history
• Previous loan performance

State Availability

Our services are not available in all states. Lending laws vary by state, and lender availability differs based on your location. When you complete our form, we'll match you with lenders who operate in your state (if available).

States where services may be limited or unavailable include those with strict lending regulations or where our network lenders do not currently operate.

What Doesn't Qualify

The following situations typically do not qualify:

• Active bankruptcy proceedings
• No verifiable income source
• Closed or frozen bank accounts
• False or fraudulent information
• Multiple simultaneous loan applications (may be restricted)

Documentation You May Need

If matched with a lender, you may be asked to provide:

• Government-issued photo ID (driver's license, state ID, passport)
• Proof of income (pay stubs, bank statements, tax returns)
• Proof of address (utility bill, lease agreement)
• Bank account information (routing and account numbers)
• Social Security number or Tax ID
• References or additional contact information

Each lender has different requirements. You'll receive specific instructions if you're matched with a lender.

No Guarantee of Approval

Meeting these eligibility requirements does not guarantee that you will be matched with a lender or approved for a loan. Cash Loans Bear is a connection service, and final approval decisions are made by individual lenders in our network.

If you are not matched with a lender, there is no cost or obligation to you.

Questions About Eligibility?

If you have questions about whether you qualify, the best way to find out is to complete our secure form. The process is free, and there's no obligation to accept any offers you receive.

For additional questions, contact us at support@cashloanbear.com.