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Black Bear Advance

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What is Installment Loans?

An installment loans is a type of unsecured loan. This means you don’t need to put up collateral and the lender won’t make you prove that you can repay the loan before giving it to you. This makes it easier and faster to get than a lot of other loan types.

Basically, when you get an installment loan, you borrow a lump sum of money, then you pay it back over time in the form of monthly payments (installments). An online installment loan is just a loan that you can get online, without the hassle of having to visit a bank or other in-person lender.

How do Installment Loans Online work?

If you need a loan, you find a financial institution that’s willing to lend you the money in the amount you need. Once you’re approved for the loan, your lender gives you the lump sum you’ve agreed upon. Then, you pay back that amount — plus interest — in regular installments. Usually, this payback comes in the form of a monthly payment you make. When all is said and done, you’ll pay back your loan in full plus any interest through these installments.

Applying for installment loans online is designed to be as simple as possible. Black Bear Advance aims to provide fast decisions and more importantly, fast cash. The whole process can be completed online at any time during the day in just a matter of minutes.

You will need a few pieces of information ready such as your residence ID, your social security number, an email address, proof of age, proof of income and an active personal bank account. Having these ready will make your application go much smoother and you should receive a response quickly.

Black Bear Advance will connected you to direct lenders in our network. Once your application is approved, you only need to sign the document online with an e-signature and the funds will be allocated to you as soon as the signature is received.

Best examples of Installment Loans

Now, let’s peek at some of the most common types of installment loans.

  • Payday Loans - A payday loan essentially gives you a way to get an advance on your paycheck. It’s a short-term loan, meaning you’ll pay it back quickly (e.g., within a couple of weeks). You can usually get a payday loan for roughly the amount of your next paycheck. You can use your payday loan for whatever you want. It most frequently comes with a fairly high interest rate. A payday loan is a type of unsecured loan. This means you don’t need to put up collateral and the lender won’t make you prove that you can repay the loan before giving it to you. This makes it easier and faster to get than a lot of other loan types.
  • Personal Loans - While other types of installment loans have to be used for certain things (an auto loan to buy a vehicle, a mortgage to buy a house), you can use a personal loan for whatever you want. Personal loans can be issued in larger amounts and with longer repayment periods than payday loans.
  • Auto Loans - This is the type of installment loan you get to buy a vehicle. You’ll probably get this loan through a bank or the auto dealership from which you purchase your car. Auto loans usually land on the low side of the interest scale.

Who is Black Bear Advance?

Your life and your expenses aren’t always on the same schedule. Our online loans service can give your finances a little flexibility and help you stay on the bright side. Black Bear Advance is here to offer a fast and reliable money solution in any life situation from the comfort of your own home. The process is super fast and simple. It takes minutes to see results and enjoy your cash with a bright day.

Black Bear Advance is an online marketplace that seeks to match low and moderate income consumers with a curated set of lending partners that specialize in serving low and moderate income Americans.

Black Bear Advance are designed to help you meet your short-term borrowing needs. This is an expensive form of credit and is not intended to provide a solution for longer-term credit or other financial needs. Before borrowing, please consider whether you will be able to repay the amount you borrow. Make sure that you carefully review the terms and conditions of the loan that is offered to you.

How can Black Bear Advance serve you?

Black Bear Advance goal is to make the loan process simple for those who need it. We help people get quick loans through our easy and convenient loan process, so you don’t have to fret over it anymore. We have an online application so you can get decision from practically anywhere. If you’re approved, you can have your money today or as soon as the next business day.

With Black Bear Advance you can accelerate the lending process, and receive the funding you need in as little as one business day. Gone are the days of filling out long bank forms, scanning, faxing and waiting in long lines. Black Bear Advance allows you to tap into our network of many lenders and other networks with one simple form, saving you time and money.

Choosing Black Bear Advance means your loan request might be seen by more than one direct lender to improve your success rate.

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Black Bear Advance

Black Bear Advance

Some loans may be eligible for free same-day funding if loan approved. Deposit times may vary depending on your financial institution. Same-day funding is not available in all states. Black Bear Advance is not responsible for any additional charges applied by your financial institution.

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Good Today and Better Tomorrow

Black Bear Advance believe that the people who have good financial discipline will be ability to survive an emergency financial in life and Black Bear Advance will helping you improve your options right now and make good money choices going forward.

Easy steps to take an Installment Loans Online

Black Bear Advance is one of the top services in the industry that provides quick and easy cash. Since our applications and the entire process is readily available and done online 24/7, you can apply with us at any time. You can do this by filling up our application, where you have to state the purpose of taking the desired loan and provide the necessary documents.

  • Fill out the loan application form – Whether you apply online or in person, you’ll need to fill out an application with each lender. Make sure to have important personal information handy, including your banking info.
  • Receive and compare offers – Whenever you’re applying for a financial product, you should always compare different offers in order to make sure you’re getting the best deal possible. Try to choose a lender with the lowest rates and fees.
  • Sign the agreement – Once you decide on a lender, you’ll have to sign the agreement before you can access the cash.
  • Finalize the application and send it. Look through the application file to see whether you’ve filled in everything you need. Before submitting, review the requirements from the lender, especially the ones that involve additional fees and penalties.
  • Wait for approval. Usually, you’ll get a response the same day and receive the funds within 24 hours. This allows borrowers to quickly resolve their monetary issues.

How do you increase your chances of getting an Installment Loans Online?

Installment loans can be extremely helpful and convenient but there are more concerning of this type of loan as below:

  • Makes sure you meet all eligibility requirements before applying - The first thing you will need to do when applying for an installment loans is to check the eligibility requirements beforehand. Having a quick look at the requirements before applying will give you a good indication of whether you will be accepted or not. If you are rejected, this could impact your credit score, so it’s best to be fully prepared.
  • Submit the correct information - Each lender will require different pieces of information from you so it’s important you submit everything they ask for. Not doing so will likely slow your application down so before you apply, spend some time checking what is needed.
  • Work on your credit score - While installment loans online are accepted for those with poor credit, your credit score is still important. If you have a good credit score, you will be seen as less of a risk to the lender. In response, the lender will likely offer you a better interest rate or a higher credit limit which will make the loan more affordable.
  • Meet affordability checks - Online Direct Lenders will typically want to look at your income to check you can afford the loan. As long as you have a regular income, you will likely be accepted. In some cases, you may be able to get a installment loans without a regular job, but this will be up to the lender.
  • Borrow what you need - It’s tempting to borrow as much as you can get accepted for but the best thing to do is to be conservative with the amount you need. Borrowing larger amounts than you need will increase your costs and take you longer to pay the balance down.

However Black Bear Advance suggest to borrow small amount ex. $200, $300, $500 for online loans is more chance to approved. Each state has different limitations, but most states limit borrowers to a single payday loan outstanding.

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Based on the info you provide, we match you with the right loan offer to meet your needs. If the offer suits your needs and desires, and you agree with all the terms — simply e-sign the deal and get ready to enjoy the money!

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Once you submit your request, get your offer, and e-sign it, you’ll be able to get the funds to your bank account in no time!

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Black Bear Advance

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Is Black Bear Advance Legit?

Black Bear Advance is a loan referral service that connects consumers with prospective lenders participating in our network. Black Bear Advance is not a lender and does not make loans or credit decisions. We are not guarantee that any lender partner will offer you a loan or that any loan offer will contain any specific loan terms or conditions.

Is Black Bear Advance a scam?

Black Bear Advance has no interest in scamming you and will only share the contact information you provide with the lender you end up choosing to work with. It’s worth noting that, once you do find a lender, they will need to contact you to verify information in order for you to receive any funds. If you don’t end up with a lender, your data doesn’t go anywhere then the answer is No.

Is Black Bear Advance service free?

Black Bear Advance is a free to use lending site for borrowers to search for potential lenders. They don’t charge you a fee, however, the lender you work with might have fees as a part of their payment terms—be sure to check! then the answer is Yes. Our service is FREE.

Annual Percentage Rate (APR)

Annual Percentage Rate (APR) for Black Bear Advance represents the annualized interest rate that you are charged for borrowing. It is the combination of the nominal interest rate and some additional costs such as fees involved in obtaining a loan. Typically, APRs for personal loans range from 4.99% to 450%, APRs for cash advance loans vary from 200% to 1386%, and APRs for installment loans range from 6.63% to 225%. Since Black Bear Advance is not involved in the lending process, we can not deliver any specifics about the APR you will be offered. The APR depends solely on your lender’s decision, based on various factors including your credit score, credit history, income, and some other information you supply in your request. For more information regarding the APR contact your lender.

Representative Example of APR

If you borrow $2500 over a term of 1 year with an APR of 10% and a fee of 3%, you will pay $219.79 each month. The total amount payable will be $2637, with a total interest of $137.48.

Financial Implications (Interest & Finance Charges)

Blackbearadvance.net is not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan. It is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. Black Bear Advance service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

When you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as Black Bear Advance is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. For more information, please contact the lender directly if you have any issues relating to your loan repayment.

Potential Impact on Credit Score

Blackbearadvance.net is not a lender and we do not check your credit standing and credit capacity. When you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. Most likely they will turn to any of the three major credit bureaus (Transunion, Experian, and Equifax) that is in most cases considered a hard inquiry and may affect your credit score.

Collection Practices

Blackbearadvance.net is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the issue, please, address them to your lender. For more information visit our page for Responsible Lending. Blackbearadvance.net itself isn’t involved in debt collection.

Loan Renewal Policies

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.

Installment Loans Online

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Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. BlackBearAdvance.net is not a lender or lending partner and does not make loan or credit decisions. BlackBearAdvance.net connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. BlackBearAdvance.net does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. BlackBearAdvance.net receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, BlackBearAdvance.net’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where BlackBearAdvance.net does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing BlackBearAdvance.net and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize BlackBearAdvance.net to share your information and credit history with a network of approved lenders and lending partners.

Lender’s or Lending Partner’s Disclosure of Terms.

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. BlackBearAdvance.net has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.