Most requests only need the basics below to get matched.
18 years or older, U.S. resident
Active checking account in your name
Steady source of income
Valid phone number and email
Why a payday match?
01
Built for short gaps
Designed for a single pay-cycle need, not long-term borrowing.
02
No paperwork pile-up
The form takes minutes; most fields are simple multiple-choice.
03
Clear terms upfront
Your matched lender shows the full APR and fees before you accept anything.
Payday APR range
4.95%to35.95%
Payday matches typically carry shorter terms, so total repayment is usually reached quickly.
Term
Min
Max
Repayment period
90 days
84 months
Important: Bear Loan Cash Advance is a loan-matching service, not a direct lender, and does not make credit decisions. APRs range from 4.95% to 35.95%. Loan terms range from 90 days to 84 months. Actual rates, fees and terms depend on the lender you are matched with, your state, and your creditworthiness. Not all applicants will be approved. Review your lender's full terms before signing.