If you need quick cash before your next payday, Lending Bear provides a simple application to make it easy. Our friendly In-store or Online Loan Agents are standing by to get you approved as soon as today!
How to apply for a Payday Loan
Apply in store or use our secure, easy online application.
Fast Approval Process!
Get Your Cash!
Why use Lending Bear for your payday loan?
Lending Bear is a state licensed payday lender
Because we are state-licensed, you can be certain that our lending practices are fair and responsible. In addition, Lending Bear is a member of the Community Financial Services Association of America (CFSA) and subscribes to the industry’s Best Practices (CFSA Membership Best Practices)
Get a decision in minutes
Our Rapid Payday Loan Approval Process means that you’ll receive a decision within a few minutes of completing your application.
Lending Bear offers a next business day satisfaction guarantee. If for any reason you change your mind about your cash advance just come back to the store before the close of the following business day and pay back what you borrowed.
In Store application
Lending Bear makes the application process easy. Come in to any location with a valid picture ID, proof of income, bank statement and personal check. Once approved, you’ll get cash in your hands the same day!
Simply fill out our fast application by clicking on “APPLY” at the top of the page. Once approved, you’ll get cash in your bank account as soon as the next business day!
Notes relating to your Cash Advance:
1. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term ﬁnancial solutions.
2. Cash advance loans are subject to approval pursuant to our standard veriﬁcation procedures. The rate and term of your loan may vary depending upon the location (state) where you take your loan. An application does not guarantee that you will be approved for a cash advance or for the maximum amount available. Our standard terms and conditions apply to all cash advance loans.
3. Lending Bear loans come with a next business day satisfaction guarantee. If you change your mind about your loan, just return the principal in full before the close of the following business day and pay nothing more.
4. In order to make an informed decision about your application, our decision may be may be based in whole or in part on information obtained from a national database including, but not necessarily limited to, MicroBilt, 1640 Airport Road, Suite 1 1 5, Kennesaw, Georgia 30144. Please read the following important notice: If you fail to make a timely payment on your loan, there may be implications including the following:
– Credit Score: Late payments on your loan may impact your credit rating. We use alternative credit reporting agencies such as MicroBilt and your credit may be affected and your ability to borrow limited from other services that use such agencies if your payments have not been made in a timely manner.
– Collection Efforts: In the event your account is delinquent, we may exercise our rights under our loan agreement with you. Lending Bear employs standard collection practices regarding delinquent accounts. This may include contacting you by phone, mail, or email. We also reserve the right to sell our debt to a third party or engage a collection agency who may also engage in standard collection practices with you.
– Financial Impact: We do not assess past due interest on any payday loans but you may be charged NSF or returned check fees if payments are not honored by you ﬁnancial institution.
– Reﬁnancing a Loan: Lending Bear does not automatically rollover or refinance our loans. In cases where refinancing is available, you must visit the Lending Bear store or log in to your account to review your options or apply for reﬁnancing. Any reﬁnanced loan is subject to signing a new agreement in-store or electronically as the case may be. In order to discuss payment a payment plan, you can reach us at 855-285-5700.
At Lending Bear, we understand that people occasionally need fast cash for any number of reasons. We're here to help. We’re rapidly becoming the short-term lender of choice in Alabama, Florida, Georgia and South Carolina.