Payday Loans

Easy cash advance loans for a short-term! Get up to $1,000 fast and confident, even with problem credit!

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Certain limitations apply. Loans are subject to approval by the lender. We don't offer no credit check loans. Payday lenders make alternative check credit. Read our Term of Use, Privacy Policy, Fair Lending Practices before submitting personal details.

Payday loans provide an expensive financial support. The APR ranges from 220% to 1390%. We promote responsible use of any loan products. All customers are free to submit an online application.

Easy payday loansPayday loan is a popular cash source to assist borrowers on short-term periods. They are legal in many states, and a lot of lenders comply with legal restrictions. However, there are cases when consumers don’t use fast loans correctly and end up with unlimited roll-overs and loan defaults.

Why borrowers need payday loans?

Payday loans are quick cash advances meant to cover unexpected spendings. Lenders offer them on short periods up to 30 days, with high APRs. The average APR on loans exceeds 230%. Our experts encourage borrowers to take them only in urgent cases when there is no better alternative.

Cash advances are not suitable for monthly use, so borrowers need to consider other ways of getting extra money. A personal or installment loan would be a better solution in this case. The need of getting easy money in spite of exorbitant APR must correspond to the goal of taking the loan for. Try to cover regular bills and other monthly spendings with wages instead of taking fast cash!

Can clients afford to pay the interest?

Many US states use payday loan caps, which limit interest charges and fees to a reasonable figure. However, the APR starts from 230% depending on the state. We firmly suggest to check loan rates and repayment amount with lender before applying for a payday loan. All details disclosed in loan offer are crucial for reading and understanding.

Is it a good idea to use multiple lenders?

The answer to this question is a categorical No. Moreover, each payday loan is secured by pay check, and taking more than one cash advance per salary is against the law in most states. Borrowers are also in risk of ending up with a debt that exceeds the sum of money they earn per month, which results in failing to comply with the loan agreement. The consequences may be fatal: debt collecting agencies will start pursuing debt, consumer get caught in a cycle of debts and end up declaring bankruptcy.
THE BEAR recommends having one payday loan per time. Several short-term cash loans will result in a long-term financial issue for the borrower.

Are payday loans good for paying monthly bills?

The general advice is: do not use fast cash loans for regular expenses. The best solution is using the monthly income to pay for daily expenses. Reserve easy cash loans for one-off bills, like medical repair ones.

How much can I borrow?

With cash advances, consumers may borrow from $50 to $1,000 easily! On the due date, borrowers are paying full loan amount plus interest fees. It is better to ask for a lower amount for easier repayment to avoid loan renewals! Be responsible!

What is the main rule to follow with payday loans?

If we were to choose one golden rule for having a great experience with easy loans, then it would be: Borrow in case of emergency, and only the exact amount you need! Payday loans aren’t the monster some like to call them. The monster is the incapacity of some borrowers to handle their finances correctly. Think ahead and combine proper money management with a strict budget plan.

We are a better option for consumers!

Borrow money from trustworthy sources like THE Bear! Apply today for payday loans with many legit lenders just in a few clicks and choose among many loan offers. Read our educational posts and enjoy a great experience with a wide range of unsecured loans.

Financial Implications

By borrowing responsibly you accept all consequences of using loans. Lenders perform the following actions against irresponsible clients.

Implications of improper payment

Accepting loan offer means you accept all terms and conditions. Lender specifies all fees, payment schedule and amount in the contract. Partial, late, and non-payment incur extra charges. We have no control over any of them.

Financial implications

Lenders determine the interest rate, fees, charges on your loan. They disclose this information before borrower accepts the offer. Our website does not lend money directly to customers. Hence, we cannot predict the amount the lender will charge as fees or interest rates. There are no obligations to accept a loan offer if you do not agree with loan conditions.

Possible credit history impact

We don't make any decisions that will affect credit score. Though, lenders may run a standard credit check with 3 major bureaus. Non-traditional credit check via alternative sources doesn't affect credit rating. A lender may report your negligence to any credit bureau. We advise our customers to seek help from credit counseling company to resolve debt issues.

Loan renewal options

State laws control loan renewal policies. Lenders inform borrowers about available extension options before signing the contract. We encourage our clients to honor their obligations to pay their loans in full and on time to avoid penalties. Use alternative ways of solving financial problems if unsure about repaying a loan.

Debt collection practices

We have no control over debt collection actions that lenders apply. The loan document specifies the methods used to collect past-due accounts. If the information is unavailable or unclear, discuss the matter directly with your lender. We are committed to ensuring that participating lenders use fair debt collection practices.