Terms of service

Effective date: July 7, 2026

These Terms of Service ("Terms") govern your use of bearloansfinance.com (the "Service"), operated by Bear Loans Finance. By using the Service, you agree to these Terms; if you do not agree, please do not use the Service.

1. What the Service is — and is not

The Service is a loan connecting and comparison platform. We are not a lender. We do not make loans, make credit decisions, set rates or terms, or guarantee that any lender will accept your request. When you submit a request, we transmit it to lenders and lending partners in our network; any loan you obtain is a contract solely between you and that lender, governed by its agreement and its state's law. Submitting a request is free and creates no obligation on your part to accept any offer.

2. Eligibility

You must be at least 18 years old (19 where state law requires), a U.S. resident, and legally capable of entering contracts. The Service is not available in all states; availability is determined by state law and lender participation.

3. Your responsibilities

You agree to provide accurate, current, and complete information in any request; to use the Service only for lawful, personal purposes; and not to interfere with the Service's operation, scrape its content, or misrepresent your identity. Submitting knowingly false information to obtain credit may violate federal and state law.

4. Communications consent

The request form includes express-consent language under the Telephone Consumer Protection Act (TCPA) covering calls, prerecorded messages, and texts from us, our lenders, and lending partners. That consent is not a condition of obtaining credit, and you may revoke it at any time as described in our Privacy policy.

5. Loan terms come from lenders

All rates, fees, amounts, and schedules are set by lenders and disclosed to you under the federal Truth in Lending Act before you sign. Educational figures on this site — including representative examples and calculator outputs — are estimates for illustration, not offers or quotes. Review every loan agreement carefully before signing; questions about an executed loan go to your lender.

6. Fair lending

Lenders in our network are expected to comply with the Equal Credit Opportunity Act (15 U.S.C. § 1691) and other applicable fair-lending laws prohibiting discrimination in credit transactions.

7. Intellectual property

The Service's content, design, and mascot artwork belong to Bear Loans Finance or its licensors. Third-party names and trademarks referenced on this site — including similarly named lending businesses — belong to their respective owners, are used for identification and comparison only, and imply no affiliation.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT ANY LENDER WILL EXTEND CREDIT, THAT FUNDS WILL ARRIVE BY ANY PARTICULAR TIME, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. NOTHING ON THIS SITE IS FINANCIAL, LEGAL, OR TAX ADVICE.

9. Limitation of liability

To the fullest extent permitted by law, Bear Loans Finance will not be liable for indirect, incidental, special, consequential, or punitive damages, or for the acts or omissions of any lender, arising from your use of the Service. Where liability cannot be excluded, it is limited to $100.

10. Changes, governing law, contact

We may update these Terms; continued use after changes means acceptance. These Terms are governed by applicable U.S. federal law and, to the extent state law applies to our operation of the Service, without regard to conflict-of-law rules; your loan agreement is governed by its own terms. Contact: support@bearloansfinance.com.