Disclosures
Last updated: January 1, 2026
Not a Lender Disclosure
LoanBearMe is not a lender, loan broker, or agent of any lender. We do not make credit decisions and do not guarantee loan approval or any specific loan terms. We are an independent marketing and lead generation service that connects consumers with lenders and lending partners who may offer loans. By submitting your information through our platform, you authorize LoanBearMe to share your information with our network of lending partners.
Rates and Terms Vary
The rates, fees, and terms described on this Site are representative ranges offered by lenders in our network. Your actual APR, loan amount, repayment term, and fees will depend on the lender, your creditworthiness, your state of residence, and other factors. Not all applicants will qualify for the lowest rates or larger loan amounts.
APR Range
The Annual Percentage Rate (APR) for loans available through our network ranges from 5.99% to 35.99%. The APR you receive will be determined by the lender based on your credit profile, income, debt-to-income ratio, and other underwriting factors.
| Loan Amount | APR Range | Repayment Term |
|---|---|---|
| $500 – $5,000 | 5.99% – 35.99% | 61 days – 72 months |
Not All Applicants Qualify
Each lender has its own eligibility criteria, underwriting standards, and terms. Not all applicants will qualify for a loan. Meeting basic requirements does not guarantee approval. Loan products and terms vary by state, and not all products are available in all states. Residents of states where lending products are prohibited by law are not eligible.
Representative Examples
The following examples illustrate potential payment scenarios. Your actual terms will vary based on the lender and your qualifications.
Example 1
A $1,000 loan with a 12-month term at a 17.99% APR:
- Monthly payment: ~$91.73
- Total payments: 12
- Total repayable: ~$1,100.76
Example 2
A $3,000 loan with a 24-month term at a 24.99% APR:
- Monthly payment: ~$160.24
- Total payments: 24
- Total repayable: ~$3,845.76
Example 3
A $5,000 loan with a 36-month term at a 15.99% APR:
- Monthly payment: ~$175.83
- Total payments: 36
- Total repayable: ~$6,329.88
Example 4
A $500 loan with a 3-month term at a 29.99% APR:
- Monthly payment: ~$173.63
- Total payments: 3
- Total repayable: ~$520.89
Potential Fees
Fees vary by lender and state. Common fees you may encounter include:
- Origination fee: A one-time fee charged by some lenders to process the loan, typically deducted from the loan amount before disbursement. Ranges from 0% to 8% of the loan amount.
- Late payment fee: Charged if a payment is not received by the due date. Varies by lender and state law.
- NSF/returned payment fee: Charged if a payment is returned due to insufficient funds.
Prepayment penalty: None. None of the lenders in our network charge prepayment fees. You may pay off your loan early at any time and save on interest charges with no penalty.
Credit Score Impact
Checking your eligibility through LoanBearMe does not affect your credit score. If you proceed with a lender, that lender may perform a hard credit inquiry which could affect your credit score. On-time payments may help build your credit history, while late or missed payments may negatively impact your credit score.
Important Reminder
Short-term lending products are not intended to be long-term financial solutions. Consider alternatives such as borrowing from friends or family, using a credit card, or seeking assistance from a credit counselor before taking out a loan. Only borrow what you can afford to repay.
Contact Us
For questions about these disclosures:
- Email: support@loanbearme.com
- Address: 100 Wilshire Blvd, Suite 700, Santa Monica, CA 90401