The Bear Loan:
Compare Loan Offers Up to $5,000
Free matching service Β· Not a lender Β· Funds as soon as next business day if approved
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What Is The Bear Loan?
The Bear Loan is a free online lending marketplace β not a direct lender. When you submit one application through our site, it's checked against a network of 100+ direct lenders at once, instead of you filling out separate forms on ten different websites and racking up ten separate credit inquiries.
Here's how that's different from applying with a bank or a single online lender directly:
- One form, many lenders. You fill out your details once. We match you against lenders in our network who are most likely to work with your credit profile, income, and state.
- Only a soft inquiry to check offers. Comparing your options through us doesn't touch your credit score. A hard inquiry only happens if you go on to accept a specific lender's offer.
- You choose, not us. We don't make lending decisions or set your rate. Each matched lender presents their own terms, and you're free to accept or decline any offer with no cost either way.
- Built for every credit type. Whether your score is excellent or you've had setbacks in the past, our network includes lenders who specialize in different credit profiles β not just prime borrowers.
We make money only when a match leads to a completed loan, so there's never a fee for using our service, comparing offers, or walking away from an offer that doesn't work for you. Not sure where to start? Our personal loans page is a good general starting point, or head straight to emergency loans if you need cash fast.
Here's Why People Choose Us
Secure
Your information is safe with our 100% online form.
Fast loan decision
Funds direct deposited to your bank as soon as the next business day
Any credit
Request a loan now, regardless of your credit score. Conditions vary and terms apply.
Transparent
Decline any unsuitable options and only accept offers when you are completely satisfied with all terms and conditions
APR, Total Loan Costs and Fees Example
$1,000
$2,000
$2,500
$5,000
Our network of direct lenders may offer APRs ranging from 4.95% to 35.99%, with repayment terms from 91 days to 72 months, depending on the lender and your qualifications.
Personal Loan Payment Calculator Example
How our service works
Fill Out Our Simple Form
It takes minutes to fill out our online form, it is protected by top-notch security software, and it is absolutely free for you. No obligation or hidden fees
Get Connected with a Lender
You will be connected with one of our lenders and receive your loan decision fast. Even the users with imperfect credit can be offered a loan. Fast access to cash
Money is Deposited Directly
E-sign documents to accept your loan offer. Your money can be transferred as soon as the next business day. And there is no penalty if you refuse. Get your cash!
Our Approach to Responsible Lending
Every lender in our network is required to disclose the full APR, term, and any fees clearly before you sign anything β there are no hidden costs and no surprise terms. We never ask for payment upfront to "release" your funds; if any site or caller asks for that, it isn't a legitimate offer from our network.
A loan should solve a short-term problem, not create a longer one. If you're facing ongoing budget difficulties rather than a one-time expense, we'd encourage you to review our Responsible Lending page or speak with a nonprofit credit counselor before borrowing.
π Rates and Fees Β· Responsible Lending Β· Privacy Policy
Frequently asked questions
Everything you need to know about our loan service
| Minimum | Maximum |
| 90 days | 84 months |