Terms and Conditions

Last Updated: December 20, 2025

1. Agreement to Terms

By accessing or using Bear Loans Credit's services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

LOAN MATCHING SERVICE NOTICE

Bear Loans Credit is a loan matching service, NOT a lender.

We connect consumers with lending partners in our network. We do not make credit decisions or originate loans. All loan approvals, terms, and conditions are determined by individual lenders in our network. By using our service, you authorize us to share your information with third-party lenders who may contact you about loan products.

2. Service Description

Bear Loans Credit operates as a loan matching platform. When you submit a loan request, we share your information with lending partners in our network. We may receive compensation from lenders, but this compensation does not affect the rates or terms you receive from lenders.

Important: Submitting a request does not guarantee you will be matched with a lender, approved for a loan, or receive the loan amount requested. Each lender operates independently with their own underwriting criteria and approval processes.

3. Eligibility Requirements

To use our loan matching service, you must:

  • Be at least 18 years of age
  • Be a U.S. citizen or permanent resident
  • Have a valid Social Security number
  • Have a valid bank account
  • Have a verifiable source of income
  • Meet our lending partners' credit requirements

4. Authorization and Consent

By submitting a loan request through Bear Loans Credit, you authorize and consent to:

  • Bear Loans Credit sharing your information with third-party lenders and lending partners in our network
  • Lenders performing soft credit inquiries to evaluate your eligibility (does not affect credit score)
  • Lenders performing hard credit inquiries if you accept a loan offer (may affect credit score)
  • Lenders verifying your identity, employment, and income information
  • Lenders contacting you via phone, email, or SMS regarding loan products and offers
  • Being contacted by multiple lenders from our network

TCPA Consent: By providing your phone number, you consent to receive calls and text messages from Bear Loans Credit and lenders in our network, including through automated technology, at the phone number you provided. Consent is not a condition of using our service.

5. Loan Terms and Rates

Loan terms, interest rates (APR), and fees vary based on:

  • Your creditworthiness
  • The loan amount requested
  • The repayment term selected
  • The specific lending partner providing the loan

Representative APR ranges from 5.99% to 35.99%. All rates, terms, and fees will be clearly disclosed before you accept any loan offer. You are under no obligation to accept a loan offer.

6. Repayment

Repayment terms range from 3 to 24 months, depending on your loan agreement. You agree to make all payments on time according to your loan agreement. There are no prepayment penalties for paying off your loan early.

7. Late Payments and Default

Late payments may result in late fees and may be reported to credit bureaus, which could negatively impact your credit score. Continued non-payment may result in default, collection actions, and additional fees as outlined in your loan agreement.

8. Data Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

9. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

10. Governing Law

These Terms and Conditions are governed by the laws of the United States and the state in which the lending partner is located, without regard to conflict of law provisions.

11. Contact Information

If you have questions about these Terms and Conditions or our matching service, please contact us at:

Email: loans@bearloanscredit.com
Phone: 1-888-523-2763 (Mon-Fri 8AM-8PM ET, Sat 9AM-5PM ET)
Address: 201 S Biscayne Blvd, Suite 2800, Miami, FL 33131

For questions about a specific loan offer or existing loan, please contact the lender directly.

Important Disclosures

  • NOT A LENDER: Bear Loans Credit is a loan matching service, not a lender. We do not make credit decisions or originate loans. All loans are made by independent lending partners.
  • APR Range: APR ranges from 5.99% to 35.99% depending on lender, creditworthiness, loan amount, and term. Rates shown are examples from lending partners and do not constitute a loan offer.
  • Representative Example: A $10,000 loan at 15.99% APR repaid over 36 months would have monthly payments of $356.18, for a total repayment amount of $12,822.48 (includes $2,822.48 in interest).
  • No Guarantee: Submitting a request does not guarantee matching, approval, or receipt of the requested loan amount. Terms are determined by individual lenders.
  • Credit Impact: Submitting your information may result in soft credit inquiries that do not affect your score. Accepting a loan offer will result in a hard inquiry that may affect your score.
  • Compensation: We may receive compensation from lenders in our network. This does not affect the rates or terms you receive.