Beehive Loans

Beehive Loans is a Utah-licensed direct lender offering online payday loans and signature loans with published pricing and a loyalty program that lowers rates for repeat borrowers.

To get started, users complete a one-minute online application on any device, receive an instant decision based on income rather than credit score, and get funded via ACH within one business day if approved before the daily cutoff.

The standard fee is $17.26 per $100 borrowed for a 14-day term, which drops to $13.81 for loyal customers, while origination fees range from $5.00 to $10.00 depending on the loyalty tier.

Borrowers can contact the business by emailing support@beehiveloans.com, calling or texting +1 385 246 3976, or visiting the office at 5383 S 900 E #202 in Salt Lake City, UT.

The company operates from its Salt Lake City headquarters and serves borrowers statewide with a 100% online process that requires no store visits, fax machines, or minimum credit scores.

Beehive Loans was founded in 2024 and has built its reputation on a locally-owned structure with real people answering emails and published prices instead of hidden fine print.

The website states that most approved applications are funded same-day before the ACH cutoff, while Extended Payment Plans are required by law to be interest-free and last 60–90 days before any lawsuit.

Loyal customers move up tiers like Drone Bee or Queen Bee to unlock lower APRs, with the Hive Master tier offering a 360% APR and a $5.00 origination fee.

The business uses bank-grade encryption to protect applications and bank details, and it never sells customer information to third parties.

If a payment fails, the company may retry the debit up to two additional times, and a late payment fee of $15.00 is assessed on the due date or three calendar days after.

Some reviewers on Reddit mention the convenience of applying on a phone during a lunch break and receiving funds before dinner without any store visits.

The company differentiates itself by offering flexible repayment options where customers can email support before their due date if their paycheck date moves.

A portion of every loan funds local beekeeping programs and new hives across Utah, aligning the business with the state's state symbol.

The business offers two distinct loan products: a payday loan for $100–$1,000 repaid in one payment, and a signature loan for $200–$2,500 repaid in fixed installments over 12 months.

The official website of Beehive Loans is beehiveloans.com.