Fill out a short application with your basic information. We ask for details like your income, employment, and the amount you're looking for. The form is secure and typically takes just a few minutes to complete.
We use industry-standard encryption to protect your personal data throughout the entire process.
Once you submit your form, we instantly share your information with lenders in our network. These lenders review your application and decide if they can help.
If a lender is interested, they'll reach out to you directly—typically within minutes. You may receive multiple offers, giving you options to compare.
You'll receive offer details including loan amounts, interest rates, repayment terms, and any fees. Take your time to review each offer carefully.
You're never obligated to accept any offer. If you find an option that works for you, follow the lender's instructions to proceed. If not, there's no penalty for declining.
After a lender extends an offer:
Form completion: 3-5 minutes
Lender response: Often within minutes, though it can take longer depending on volume
Funding: Varies by lender. Some offer same-day or next-day funding if you're approved
Cash Loans Bear is not a lender. We are a connection service. We don't make lending decisions or set loan terms. Each lender in our network has their own approval criteria, rates, and terms.
Not all applicants will be matched with a lender. Approval depends on the lender's requirements and your financial situation.
