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.

While we cannot guarantee approval, you may improve how your request looks to a lender by:

• making sure all the information you enter is complete, accurate, and up to date;
• maintaining an active checking account in your name with regular deposits, so a lender can deposit funds and, if applicable, collect payments;
• reducing or paying off existing short-term loans where possible, so your overall debt is lower.

Each lender in our network uses its own policies and information to decide whether to approve a request.

Yes, certain lenders may consider regular, verifiable benefits income such as disability, retirement, Social Security, or pension payments, typically when the total monthly amount meets the lender's minimum (for example, around $1,000 per month).

Approval is not guaranteed and is always based on each lender's review of your information and their own criteria.

No. Our service is currently available only to residents of the United States, and lenders in our network do not review loan requests from people who live outside the U.S.

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 mybearloan.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.

Lenders use your Social Security number to help verify your identity and, where permitted, to review information from your credit profile. This helps protect you against fraud and identity misuse and is a standard part of most loan request processes.

Your bank account information is needed so a lender can deposit funds directly into your account if you are approved and, if applicable, collect payments.

We transmit this information using industry-standard security measures. Please review our Privacy Policy and any lender disclosures for more details on how your information is used and stored.

mybearloan.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.

When you borrow, the total cost depends on how long you choose to keep the loan. Paying it back sooner usually means paying less overall. Every lender has its own terms, so the offer you receive may differ from the examples on this site.

Because we do not issue loans or set rates ourselves, we cannot guarantee the APR you'll be offered. Within our network, partner lenders may provide APRs ranging from 4.95% to 35.99%, with repayment periods from 91 days up to 84 months.

APR, or Annual Percentage Rate, represents the cost of a loan over a full year, including both interest and any applicable fees. Your lender will present the exact APR and repayment schedule for you to review before you decide whether to proceed.

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.

mypandaloans.com does not issue loans or process applications. If we are able to match you 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.

Yes. mybearloan.com is not a lender and does not make loan decisions. If your request is matched with a lender, the lender will present you with a loan offer that you can review before accepting.

The offer will typically include:

• APR and interest rate
• Fees and total loan cost
• Repayment schedule and any applicable renewal options

You should carefully review all rates, fees, and terms before electronically signing any agreement. You are under no obligation to accept a loan offer if you do not agree with the terms.

If you are approved by a lender and accept the offer, funds are typically deposited directly into your bank account as soon as the next business day. In some cases, funding may occur within 1 to 48 hours after approval.

Actual timing depends on the lender and your bank and may vary.

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.

mybearloan.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.