Online Personal Loans Up to $5,000 — All Credit Types Welcome

While each lender has its own criteria, applicants typically need to meet the following minimum requirements to be considered:

• Be at least 18 years old and a U.S. resident
• Have a regular source of income (employment, benefits, or other qualifying income)
• Earn approximately $800 or more per month
• Have an active bank account

Meeting these requirements does not guarantee approval, as final decisions are made by the lender.

You can use our form to request up to $5000. After you submit your information, a lender in our network will review details such as your income, employment, credit history, and other factors they may require.

Whether you qualify, and for how much, is decided only by the lender and depends on their criteria. Not all users will qualify for the full amount requested.

Your routing number and account number are usually printed at the bottom of your paper checks. The routing number (typically nine digits) identifies your bank, and the account number identifies your personal checking or savings account.
If you don't use checks, you can find these numbers in your online or mobile banking, or by contacting your bank directly.

An active bank account is generally required in order for bearloancash.com to attempt to connect you with a lender. Most lenders in our network deposit funds electronically and require bank account information as part of their application process.

bearloancash.com is not a lender and does not perform hard credit checks. Submitting a request through our platform typically results in a soft inquiry, which does not affect your credit score.
However, lenders may perform a credit check to evaluate your application. This may involve a hard inquiry with one or more major credit bureaus (TransUnion, Experian, or Equifax) and could impact your credit score.

Our service is free to use. However, any loan you receive is offered by a lender, and the lender may charge interest and/or other fees. If you're approved, the lender will provide full details of the loan terms. Please review them carefully before signing your loan agreement.

If we are able to match you with a lender, you will typically be redirected to the lender's website within a few minutes. In some cases, a lender may also contact you directly to confirm details related to your request.
If we are unable to find a matching lender at this time, you will see a message on the screen, or you may be redirected to an additional flow where we present other financial options that may be available to you.

bearloancash.com does not issue loans or process applications. If your request is matched with a lender, you will be redirected to the lender's website, where you may be asked to provide additional information and review a loan offer.

When you accept a loan offer, you agree to repay the loan according to the lender's terms. If payments are missed, additional charges or penalties may apply, depending on the lender.
Because mypandaloans is not involved in loan servicing or collections, we cannot provide details about late fees or default charges. Your lender will explain these terms in your loan agreement and can answer any questions related to repayment.

bearloancash.com is not a lender and is not involved in debt collection. Any collection practices are determined by the lender and described in your loan agreement.
If you have questions about repayment or collections, please contact your lender directly. For more information, visit our Responsible Lending page.