Bears LendingBears Lending in Florida Rates, terms and 11 stores from Jacksonville to Pensacola.
Our first store opened in Jacksonville in 2004, and Florida is still home base. Every rate below is set by Florida law or posted in writing before you sign — no store charges more than what's on this page.
Jacksonville
Loans available at Florida stores
Florida law doesn't provide for title loans or open-end lines of credit at our license type. Installment loans cover most of the same needs, up to $5,000 with same-day funding.
Every Florida rate, in one place
Set by Florida law where the law sets it, posted in writing everywhere else. Open any loan for the full table.
Payday LoansDeferred presentment · 7–31 days
| Amount | Charge | Total | APR* |
|---|---|---|---|
| $200 | $24 | $224 | 312.86% |
| $300 | $34 | $334 | 295.48% |
| $400 | $44 | $444 | 286.79% |
| $500 | $54 | $554 | 281.57% |
$10 per $100 + $3 verification + $1 database fee. Maximum $500. One open payday loan at a time, 24-hour wait between loans. 60-day grace period available.
Payday Loans details →Installment LoansConsumer finance loan · 3–24 months
| Term | APR range | $1,000 / mo | Total |
|---|---|---|---|
| 3 mo | 89% | $385.52 | $1,156.56 |
| 6 mo | 89% | $210.70 | $1,264.20 |
| 12 mo | 89% | $128.71 | $1,544.52 |
| 24 mo | 89–119% | $83.10 | $1,994.40 |
Maximum $5,000. No origination fee. Soft inquiry only. Same-day deposit before 3 PM ET.
Installment Loans details →Personal LoansConsumer finance loan · 6–36 months
| Term | APR range | $3,000 / mo | Total |
|---|---|---|---|
| 6 mo | 17.99–35.99% | $526–$552 | $3,156–$3,312 |
| 12 mo | 17.99–35.99% | $275–$300 | $3,300–$3,604 |
| 24 mo | 17.99–35.99% | $150–$176 | $3,594–$4,235 |
| 36 mo | 17.99–35.99% | $108–$137 | $3,904–$4,932 |
Maximum $5,000. Age 18+. No origination fee. Funded next business day by ACH.
Personal Loans details →Bad Credit LoansConsumer finance loan · 6–18 months
| Term | APR | $1,500 / mo | Total |
|---|---|---|---|
| 6 mo | 59% | $291.42 | $1,748.52 |
| 12 mo | 69% | $176.00 | $2,112.00 |
| 18 mo | 79% | $139.82 | $2,516.76 |
Maximum $3,000. Soft inquiry only. Same-day funding. On-time payments reported monthly.
Bad Credit Loans details →Debt Consolidation Loans12–36 months
| Credit band | APR | $4,000 / 24 mo | Total |
|---|---|---|---|
| 660+ | 17.99–28.99% | $199–$220 | $4,776–$5,280 |
| 600–659 | 29.00–35.99% | $220–$234 | $5,280–$5,616 |
| Under 600 | 59–79% | $278–$322 | $6,672–$7,728 |
Maximum $5,000. Direct payoff to up to 6 creditors. No origination fee.
Debt Consolidation Loans details →Pawn LoansPawnbroker · 30-day term + 30-day grace
| Borrow | Charge | Redeem | APR* |
|---|---|---|---|
| $200 | $50 | $250 | 304.17% |
| $500 | $125 | $625 | 304.17% |
| $1,500 | $375 | $1,875 | 304.17% |
| $5,000 | $1,250 | $6,250 | 304.17% |
Florida gives a 30-day grace period after the due date before an item is forfeited. Maximum $5,000 per ticket.
Pawn Loans details →Check CashingMoney services business
| Check type | Fee | $1,000 check | State cap |
|---|---|---|---|
| Payroll | 2% | $20 | 5% |
| Government | 2% | $20 | 3% |
| Tax refund | 2.5% | $25 | 5% |
| Personal | 5–10% | $50–$100 | 10% |
Fee for checks under $50 is a flat $5. Photo ID required; a second ID may be requested for checks over $2,000.
Check Cashing details →Six rules every Florida borrower should know
Payday cap $500
One deferred presentment loan at a time, $500 maximum, 7–31 day term. The state database enforces the one-loan rule; there's a 24-hour wait between loans.
Fees fixed by statute
$10 per $100 plus a $3 verification fee and $1 database fee. Every licensed lender charges the same — the difference is service.
60-day grace period
If you can't repay on the due date, tell the lender before the date and complete credit counseling within 7 days. The loan extends 60 days with no additional fees and no collections.
Pawn: 30-day grace
Florida pawnbrokers must hold a defaulted item 30 days past the due date before selling it. Redeem any time in that window for the same amount.
No criminal liability
Failing to repay a payday loan is a civil matter. Threats of arrest or criminal charges are illegal under Florida law.
Regulator
Florida Office of Financial Regulation (OFR) licenses deferred presentment providers, consumer finance lenders and money services businesses. Verify any lender at flofr.gov.
11 Florida locations
Every Florida store offers payday, installment, personal and bad credit loans and check cashing. Pawn services are available at Jacksonville, Orange Park, Ocala, Gainesville and Pensacola.
Same hours at every store
One number reaches every Florida store: (855) 555-0199. Ask for the nearest address, or apply online and choose a pickup store.
Licensed and regulated in Florida
Florida Office of Financial Regulation
Our Florida regulator. Every license above can be verified on the department's public lookup, and complaints can be filed there directly.
flofr.gov · 1-850-487-9687
All state licenses →What loans does Bears Lending offer in Florida?
Payday loans to $500, installment and personal loans to $5,000, bad credit loans to $3,000, debt consolidation, pawn loans and check cashing. Title loans and lines of credit aren't offered in Florida.
How much does a Florida payday loan cost?
$10 per $100 borrowed plus $3 verification and $1 database fee. A $300 loan costs $34 to repay on your next payday. Payday loan details →
Can I apply online in Florida?
Installment, personal, bad credit and debt consolidation loans are fully online with same-day deposit before 3 PM ET. Payday, pawn and check cashing are in-store by state law.
What is the Florida 60-day grace period?
A state-mandated extension on any payday loan. Tell your store before the due date and complete a credit counseling session within 7 days; the loan extends 60 days with no added fees.
How old do I need to be?
18. Bring a government-issued photo ID; for cash loans, also proof of income and an active checking account.
Where are the Florida stores?
Eleven stores: Jacksonville, Orange Park, St. Augustine, Palatka, Starke, Lake City, Panama City, Pensacola, Ocala, Gainesville and Tallahassee. Call (855) 555-0199 for the nearest address and hours.
Florida, we're local.
11 stores, one number.
Same rates at every store, set by Florida law and printed on your agreement. Apply online or walk in.
- No credit check on payday & pawn
- Same-day funding
- 60-day grace period
- Licensed by Florida OFR
Jacksonville · Orange Park · St. Augustine · Palatka · Starke · Lake City · Panama City · Pensacola · Ocala · Gainesville · Tallahassee
Store hours