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
  • Accidents
  • Illness or injury
  • Pet emergencies
  • Home & auto repair
  • Overdraft protection
  • Unexpected expenses
✓ Just 6 clicks in 60 seconds. Get a loan in a flash.
✓ 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


Effective Date: July 14, 2024


28% APR*

*Annual Percentage Rate Effective 7/11/2024

Payment Period: Varies. See Table

See Disclosure
Loan AmountTermPayment
$500 - $99912 Months$49 - $98
$1,000 - $1,50018 Months$70 - $105
$1,501 - $2,50024 Months$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 high-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.

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.
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.  
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.

Let's Talk

Skip the phone wait. Our live chat is available during business hours. O Bee representatives are there to help you with all banking services. It's easy. Learn more.