Licensing and Disclosures

Important Disclosures

Cash Loans Bear LLC ("Cash Loans Bear," "we," "us," or "our") is a loan-matching service that connects consumers with Participating Network Lenders. We are not a direct lender, credit provider, loan broker, or agent of any lender. We do not make credit decisions and do not guarantee loan approval. Loan approval, terms, and funding are determined solely by the Participating Network Lender.

1. APR Disclosure

Annual Percentage Rates (APRs) for loans obtained through our matching service range from 5.99% to 35.99%. Repayment terms range from 65 days to 84 months. The actual APR and repayment term you receive depends on the lender, your credit profile, loan amount, and other factors.

Representative Example

For a $5,000 loan with a 36-month term at a 10% APR, the monthly payment would be approximately $161.34, with a total repayment amount of $5,808.24. This is a representative example only; your actual terms may differ.

2. Loan-Matching Service Status

Cash Loans Bear is a loan-matching service, not a direct lender. We do not originate, fund, or service loans. We do not act as a broker or agent of any specific lender. We submit your loan request to our Participating Network Lenders, and any loan you receive will be from a Participating Network Lender, not from Cash Loans Bear.

Cash Loans Bear may receive compensation from Participating Network Lenders for connecting consumers with lending services. This compensation may affect the placement of lender offers. We do not endorse any specific Participating Network Lender and encourage you to review all loan terms carefully before accepting.

3. Non-Lender Status

Cash Loans Bear is not a lender and does not make credit decisions. We do not charge consumers any fees for using our matching service. Submitting a loan request through our Site does not constitute an offer or guarantee of a loan. Not all consumers will qualify for a loan, and approval is not guaranteed.

4. State Licensing and Availability

Loan products, terms, and availability vary by state. Participating Network Lenders are responsible for maintaining appropriate licenses in the states where they operate. Cash Loans Bear does not originate loans and therefore does not hold state lending licenses. However, we work only with Participating Network Lenders who are licensed or otherwise authorized to operate in the states where they offer loans.

State-Specific Disclosures

• California: Loans arranged pursuant to a California Financing Law license. Participating Network Lenders hold the appropriate licenses under the California Financing Law.
• Connecticut: Loans are arranged pursuant to the Connecticut Small Loan Act. APR and fee disclosures are provided by the lender before loan acceptance.
• Georgia: Loans are subject to Georgia Installment Loan Act requirements. Lenders provide all required disclosures.
• New Mexico & South Dakota: Only loans $5,000 or greater are available to residents of these states.
• West Virginia: Only loans $1,500 or greater are available to residents of West Virginia.

5. Credit Check Disclosure

Checking your rates through our Site will not affect your credit score. However, if you proceed with a lender, that lender may perform a hard credit inquiry as part of their underwriting process, which may affect your credit score.

6. Military Lending Act (MLA) Notice

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to members of the Armed Forces and their dependents may not exceed an annual percentage rate of 36 percent. This rate includes a wide range of fees and charges, as applicable. Participating Network Lenders are responsible for complying with the MLA. If you are a member of the Armed Forces or a dependent, please inform the Participating Network Lender during the application process.

7. Fair Lending Notice

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

8. Contact Us

If you have questions about our licensing or disclosures, please contact us:

• Email: support@bearlendnow.com
• Address: Cash Loans Bear LLC, 100 S. Main Street, Suite 500, Los Angeles, CA 90012
• Hours: Mon – Fri, 8:00 AM – 8:00 PM EST