Common questions in Virginia
Simple answers about the referral process and loan costs.
Is Bear Lend Now a lender?
No. This website is a referral site. The partner form may connect applicants with independent lenders. A lender makes its own credit decision and provides its own terms.
Does submitting the form guarantee a loan?
No. A submitted request does not guarantee that a lender will respond, approve an application, or offer a particular amount or rate.
What is the difference between an interest rate and APR?
The interest rate is the rate charged on the loan balance. APR includes the interest rate plus certain fees, so it can better represent the total cost of borrowing.
Can I decline an offer?
Review all disclosures first. If the terms are not right for you, do not accept the offer.
What should I check before applying in Virginia?
Consider your budget, the payment date, the amount you would receive, fees, APR, total repayment, and the consequences of a missed payment. Virginia residents comparing loan options can start with the total amount repaid, not just the monthly payment.