Lending Policy

1. Service Overview

Cash Loans Bear, LLC operates getbearcash.com as a financial marketplace and lead-matching service. We are not a lender and do not make credit decisions, issue financing, or set rates and terms. All financing is offered by third-party network providers.

2. How the Marketplace Works

When you use our Website:

• You submit a request to compare financing options.
• We share your information with network providers who may evaluate your request.
• Providers that wish to extend an offer present their terms for your review.
• You choose whether to proceed directly with a provider.

3. APR and Repayment Terms

Annual Percentage Rates (APR) and repayment terms are set solely by the third-party provider, not by Cash Loans Bear. For qualified consumers, APR ranges from 5.99% to 35.99%. Repayment periods range from a minimum of 91 days to a maximum of 72 months.

Not all applicants will qualify for the lowest rate or the maximum term. Your actual rate depends on the provider, your credit profile, income, and state regulations.

4. Credit Checks

Initial rate checking on our Website uses a soft inquiry that does not affect your credit score. If you proceed with a provider, that provider may perform a hard credit inquiry through major bureaus (TransUnion, Experian, Equifax) or alternative reporting agencies, which may affect your score.

5. Responsible Borrowing

We encourage consumers to borrow responsibly. Before accepting any offer:

• Review the full terms, including APR, fees, and repayment schedule.
• Confirm you can comfortably meet the monthly payment obligations.
• Understand any prepayment penalties or late payment fees.
• Ask the provider questions about anything you do not understand.

6. No Guarantee of Approval

Using our marketplace does not guarantee that you will receive an offer or be approved by any provider. Each provider applies its own underwriting criteria.

7. State Availability

This service is not available in all US states. Residents of certain states may not be eligible. Availability and terms are subject to state-specific regulations.

8. Complaints

If you have a complaint about a third-party provider, you should contact the provider directly. For complaints about our marketplace service, contact us at support@getbearcash.com or (833) 710-3200.