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Get quick access to cash with Flex Funds

A flexible loan option to help you feel confident, even in a pinch.

Go from “Oh, no” to “I got this!”

Flex Funds is your safety net for when life throws you a curveball. From car or home repairs to medical or vet bills and everything in between, it gives you quick access to funds with a fixed, competitive interest rate. Plus, no credit report is required!1

The perks of a fast and flexible loan

See if you’re eligible!

If you’re eligible,¹ you’ll get quick access to your short-term loan to help you cover those last-minute expenses! To see if you are eligible for a Flex Funds loan, just:
Log in to Online Banking.
Go to Open Account or Loan and click Flex Funds.

Need bigger borrowing options?

From personal loans to mortgages to auto loans and more, we’ve got you covered. Check out all our borrowing options and learn more about how getting the right loan can help you feel less stressed and more secure as you chase that next important goal!

Learn more

Flex Funds FAQs

Can I use Flex Funds more than once?

Yes, depending on your eligibility! However, you can only have one Flex Funds loan open at a time. Once the current Flex Funds loan is paid off and closed, if you still meet eligibility requirements, a new Flex Funds loan will be available. 

I see “No offers available at this time.” what now?

Flex Funds is an eligibility-based offer. Eligibility is determined daily based on your relationship with Desert Financial. If you already have an active Flex Funds loan, you are not eligible for additional offers until the active loan is paid off.

How soon will I see my funds deposited into my account?

After you complete the Loan Agreement and the Disclosure Statement, the funds will be deposited into your account in moments. We recommended that you log out and back in to see the funds in your account.

Does Flex Funds require a credit report?

No, a credit report is not required.

Does Desert Financial report Flex Funds loans to the credit bureau?

Desert Financial will only report to the credit bureau if you do not repay your Flex Funds loan. 

Disclosures

1 

Eligibility is based on a member’s existing relationship with Desert Financial. Additional eligibility requirements apply. Flex Funds loans are available exclusively through Online Banking and cannot be requested in person, by phone or via the mobile app.

2 

Available terms: 3, 6, 12 or 18 months. Term availability may vary based on loan amount. Estimated monthly payment for a $2,000 Flex Funds loan over 18 months at 17.00% APR: $126.66.

3

APR = Annual Percentage Rate. Advertised APR accurate as of October 15, 2025.

4

First payment will be due no later than 45 days from the loan funding date. Interest will accrue on the unpaid principal during this period.

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Desert Financial does not endorse and is not responsible for the content, links, accessibility, or security of any external website. The privacy and security policies of Desert Financial do not apply to the linked website. We encourage you to review these policies upon visiting the linked site to see how they apply to you.