What's Flash Cash?
Flash Cash is a smarter alternative to payday loans and other high-cost options to help you get by when you face a sudden expense. Apply in just a few clicks at any time, day or night, and you’ll know instantly if you’re approved. Upon approval, funds are deposited in moments!
- No credit check required
- Quick, easy online application with instant approval
- Loan amounts from $200-$2,000, based on your relationship with us instead of credit bureaus
- You can qualify after just 3 months of membership
- $20 application fee
- Annual Percentage Rate: 25%
- Upon approval, we immediately deposit funds to your account
- Fees and repayment terms vary based on loan amount
Loan Payment Example:
A $1,000 Flash Cash loan at 25.00% APR** for a 12 month term would have a $95.02 monthly payment.
HOW TO APPLY
Apply for Flash Cash in Online Banking or Mobile Banking:
Log in, choose Apply & Add, then Flash Cash, and follow the prompts.
Not yet an Online Banking user? Sign up here!
I was sick and had to go to urgent care four times and already paid $600. Just got another bill for $980. Today, my 15-year-old kitty had five teeth extracted for $1114. I have been so stressed. Then y'all have Flash Cash. Thank you from the bottom of my heart.
| PERSONAL LINE OF CREDIT | PERSONAL LOAN | FLASH CASH | |
|---|---|---|---|
|
Decision based on* |
Credit |
Credit |
Relationship with FFCU |
|
Type of credit |
Revolving line of credit |
Installment loan |
Installment loan |
|
Disbursement |
Reoccuring |
One-time |
One-time, instantly |
|
APR** |
14.49% |
10.99% |
25.00% |
|
Application fee |
$0 |
$0 |
$20 |
|
Decision timeframe |
5 minutes to 24 hours*** |
5 minutes to 24 hours*** |
60 seconds |
Rates effective as of: April 27, 2024
*Decision based on all loans are subject to loan application details.
**Annual Percentage Rates effective April 27, 2024 and subject to change without notice.
***Depending on details and time of day, some applications may take up to 24 hours. Applications are approved during business hours, any applications submitted during non-business hours may take longer for decisioning.
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| Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded / Credited | Current Dividend | APY |
|---|---|---|---|---|---|---|
|
$5 |
$5 |
$50 |
Daily |
Monthly |
0.49% |
0.50% |
Rate is effective April 27, 2024 and is subject to change.
Also see terms for accounts.
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