Secure Your Rainy Day Fund

Get the Funds You Need Today*

At TBO Bank, we understand that life happens—whether it’s an unexpected expense, medical bill, home repair, or simply bridging the gap between paychecks.

What is an Unsecured Personal Installment Loan?

An unsecured loan means you don’t have to put up any assets—like a car or home—to qualify. Approval is based on a variety of factors, which may include your creditworthiness and financial history, giving you access to funds without the risk of losing personal property. Our installment loans come with fixed payments, so you always know what to expect—making budgeting easier.

Why Choose TBO Bank?

Get the money you need, when you need it—without the hassle. Our loans are built to be simple, transparent, and fast, so you can focus on what matters most instead of worrying about hidden fees or complicated terms. Secure the funds you need without risking your assets—with predictable payments, early payoff flexibility, and fast access to your money once approved.

The Application Process Is Easy!

Apply Online

Complete our quick and easy online application.

Get a Decision Fast

You’ll know if you’re approved almost immediately based on your financial profile.

Money In Your Pocket

Upon your approval, secure your funds as soon as the same day.*

Pay Over Time

Make predictable payments with no surprises or prepayment penalties.

* Loan applications fully verified and approved before 11am (CT) will be funded as soon as the same day. Loan applications fully verified and approved after 11am (CT) will be funded as soon as the next business day. TBO Bank is not responsible for any additional charges applied by your financial institution.

See What Reviewers are Saying

4.4 Rating out of 2K Reviews

The experience has been nothing short of amazing! The promptness of receiving the loan when needed was priceless. Forever thankful to Atlas as I was facing eviction from my current apartment. I called in to their offices and personally thanked you guys through an agent (it should be noted). Thank you for everything Atlas! Much appreciated!

I am never borrowing from anyone except this guys, five star service, you get your money fast, refinance yup a little high but just pay fast you won't pay so much interest I Love them period.

I’ve been getting loans from TBO for a year now. One advice I can give people is pay what you borrow ASAP! Their loans are meant to be paid fast. I usually only borrow money I can afford to pay back after a month. Minimum payments won’t cut it. I appreciate TBO bank for their quick loaning process. I will definitely keep using their services when needed.

I was able to do it very easy online and the money was in my account before the bank closed and I had applied at like 2 am The process was self-explanatory the only downer is the high interest rate. The payments are biweekly and comes from your direct deposit.

TBO Bank loans are designed to assist with short-term borrowing needs; are not intended to be a long-term financial solution and are an expensive form of borrowing. We encourage quick repayment to avoid additional finance charges.

Loan approval is subject to eligibility, credit check, and underwriting requirements. TBO Bank may conduct additional verification through national databases. Rates, terms and conditions apply. Lending decisions and funding times are subject to system limitations. Late fees, non-sufficient funds/ returned item fees may apply as described in your loan agreement.

Loan availability, rates, and terms are subject to change at the sole discretion of TBO Bank.

Loans are issued and serviced by TBO Bank, Member FDIC.