Bears LendingApply, get approved, get your cash. Here's every step.
Two ways in — online or at the counter — and one way through: a clear offer, a signed agreement, and money the same day. This page walks the whole path, including what happens after you're funded.
in store
Online or in store — which one is right for you
The loan is the same. The route depends on the product and how fast you need cash.
Installment, personal, bad credit, consolidation, line of credit
Apply on your phone in five minutes. Upload a photo of your ID and pay stub, connect your bank or upload a statement, and get a decision in minutes. Accept before 3 PM ET for a same-day deposit.
- 5-minute application
- Decision in minutes
- Same-day ACH before 3 PM ET
All ten products, including payday, title and pawn
Walk in with your ID and pay stub — plus the title or the item for a secured loan. Payday, title and pawn loans are cash at the counter in 10–30 minutes. No cut-off; open until close, Saturday until 2 PM.
- Cash at the counter
- No cut-off time
- Required for payday (FL), title and pawn
What happens between "apply" and "funded"
Same three steps for every loan. What differs is which checks apply.
Apply
Tell us the amount, the loan type and your state. Upload or hand over your ID and proof of income. For secured loans, the title or the item is inspected.
We check
Income against the pay stub. Bank history for installment and personal loans. A soft inquiry where the product uses one — never a hard inquiry except when you accept a personal loan.
Your offer
Amount, term, finance charge, APR, total of payments and due date, in writing. Accept, change the amount, or pick a different product from the same screen.
Funded
Cash at the counter, or ACH to your checking account by 5 PM ET when accepted before 3 PM. Your agreement and payment schedule are emailed and printed.
Which checks apply, and how fast each one funds
| Loan | Amount | Credit check | Funding | States |
|---|---|---|---|---|
| Payday Loans | $200 – $500 | None | 15 min in store | FL, AL |
| Installment Loans | $500 – $5,000 | Soft | Same day, online or store | FL, GA, AL |
| Title Loans & Title Pawn | $500 – $5,000 | None | 30 min in store | GA, AL |
| Pawn Loans | $200 – $5,000 | None | 10 min in store | FL, GA, AL |
| Personal Loans | $1,000 – $5,000 | Soft → hard | 1 business day | FL, GA, AL |
| Bad Credit Loans | $500 – $3,000 | Soft | Same day | FL, GA, AL |
| Line of Credit | $200 – $3,000 | Soft | Same-day draws | GA, AL |
| Emergency Loans | $200 – $5,000 | Varies | Same day | FL, GA, AL |
| Debt Consolidation Loans | $2,000 – $5,000 | Soft → hard | 2–5 days to creditors | FL, GA, AL |
| Check Cashing | Any check | None | 5 min in store | FL, GA, AL |
Repaying, paying early, and what if you can't
The part most lenders leave off the "how it works" page.
Payment reminders
Text and email two days before every due date, with the amount and the ways to pay.
Every loanWays to pay
In store with cash, debit or credit card; online by debit or bank transfer; or automatic payments on monthly loans.
Every loanPaying early
Always allowed, never penalized. Monthly loans charge interest only to the payoff date.
Every loanMoving a due date
Call before the date and we can move a monthly payment once per loan, at no charge.
Monthly loansIf you can't pay
Florida: 60-day grace period. Georgia: pay-down and right to cure. Alabama: repayment plan. Details on the responsible lending page.
By stateTitle back, item back
Title loans: title and lien release handed back in store the day you pay off. Pawn: item returned on redemption.
Secured loansQuestions about this page
How long does approval take?
Minutes. In-store cash loans are typically funded in 10–30 minutes total. Online decisions usually come back in under 10 minutes.
What time do I need to apply for same-day deposit?
Accept your offer before 3 PM Eastern on a business day. Later acceptances are deposited the next business day. Stores fund cash until close with no cut-off.
Do I need a bank account?
For online loans and deposits, yes. Payday (in store), pawn loans and check cashing can be done in cash without an account.
Will applying affect my credit?
Payday, title and pawn loans: no credit check at all. Installment, bad credit and line of credit: soft inquiry only. Personal and consolidation loans: soft inquiry to see the offer, one hard inquiry only if you accept.
Can I change my mind after signing?
Yes. Return the principal by the close of the next business day and the loan is cancelled at no cost.
What do I need to bring?
Photo ID and proof of income for cash loans; the lien-free title and the vehicle for a title loan; the item for a pawn loan. Full requirements →
Five minutes to apply.
Same day to funded.
Start online now, or walk into any of 26 stores with your ID and pay stub.
- Decision in minutes
- Same-day funding
- No hard inquiry on most loans
- Cancel by next business day
Photo ID · proof of income · active checking account (online). Title or item for secured loans.
Store hours