Flash Cash Loans
Instant Loans for Unexpected Needs
Sometimes everyone could use a cash safety net. We can help. Whether you need a little extra cash for books, groceries, an emergency car repair, or anything in between, a Flash Cash Loan can help. Get money when you need it most, deposited right into your account with just a few clicks.
- Apply through Online or Mobile Banking
- No credit report needed
- Loans from $500 - $2,500
- Immediate funding to your O Bee account
Automatic payments will be set up upon funding
- $25 Application Fee
- 1 Flash Cash Loan at a time
No more than 3 Flash Cash loans in a 6-month period
Please note, when applying for a Flash Cash loan, you will not qualify for Overdraft Privilege. Once the loan is paid in full, you can request to have Overdraft Privilege enabled.
- Accidents
- Illness or injury
- Pet emergencies
- Home & auto repair
- Unexpected expenses
✓ Available 24/7
✓ Just 6 clicks in 60 seconds
✓ No credit check required
✓ Immediate funding
✓ Build your credit
Borrow up to $2,500 for unexpected expenses
FLASH CASH
- RATE 28% APR* *Annual Percentage Rate Effective 6/4/2026.
Payment Period: Varies. See Table.
| Loan Amount | Term | Payment |
|---|---|---|
| $500 - $999 | $1,000 - $1,500 | $1,501 - $2,500 |
| 12 Months | 18 Months | 24 Months |
| $49 - $98 | $70 - $105 | $84 - $139 |
Life happens. We're here for you.
The unexpected never, ever happens at a convenient time. Whether you’re facing an accident, injury, unexpected repair, or you just need a little extra cash to make it to payday, a Flash Cash Loan is for those who need cash quick.
Avoid Payday Loans and Pawn Shops
A Flash Cash loan is a smarter alternative to higher-cost options like payday loans, title loans and pawn shops. It's easy to apply for a Flash Cash loan anytime through online banking or mobile banking, and you'll receive a decision and funding to your existing O Bee account in less than a minute.
Helps to Rebuild Credit
Our Flash Cash Loan is designed to help people who have little or no credit history build credit. These loans can also help consumers rebuild their credit after a bankruptcy or other financial downfall. At O Bee, we want to provide opportunities for Members to build or rebuild their credit. While there is no credit check required, your Flash Cash loan payments are reported to at least one credit bureau, enabling you to start building credit as you make monthly payments. If you have prior credit issues, you can start rebuilding your credit now with a Flash Cash Loan.
A Flash Cash Loan can also help you to build or repair credit. While there is no credit check required, we will be reporting repayment history to the credit bureau.
Learn More About Your Credit Score
Your credit score affects many aspects of your life. Building good credit and maintaining financial wellness are important steps in your journey towards financial independence. Learn how your credit score plays in to the big picture. Click on the box below.
Understanding Your Credit Score
Credit scores mean a lot. A good to excellent credit score could save you hundreds of thousands of dollars over your lifetime.
Interest Rate Break
O Bee Members who work to improve their credit score may be rewarded with a lower interest rate on their credit card at O Bee.
First Time Borrower
Looking for a first credit card or first auto loan? New borrowers have a choice of several options that will help you establish good credit.
Only The Best For Your Children
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O Bee Mobile
Bank on-the-go with O Bee Credit Union's mobile app. Check balances, transfer funds, deposit checks, pay bills, and more - all at your fingertips!
