BeeHive Loans

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Transparent Rates & Affordable Payday Loans in Utah

Fast, Simple Payday Loans with the Lowest Fees in Utah

Unexpected expenses happen. Beehive Loans provides fast, affordable payday loans with clear pricing and no hidden fees. Our exclusive Loyalty Program rewards responsible borrowers with lower rates and better benefits over time.

  • Quick approval process—no credit check required
  • Same-day cash deposits
  • Flexible extensions and payment options
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How it Works

Applying for a payday loan is simple.

Step 1 —
Apply Online in
Minute

  • No long forms or paperwork
  • No credit check—approval based on income

Step 2 —
Get Approved and
Receive Cash

  • Approvals in minutes
  • Cash deposited the same day

Step 3 —
Repay and Unlock Loyalty Rewards

  • Pay on time and automatically qualify for lower rates and better perks

Looking for lower rates?

Our Loyalty Program offers discounted APRs and origination fees for repeat borrowers.

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APR Disclaimer

Understanding APR on Short-Term Loans

The Annual Percentage Rate (APR)

Standardized way to express loan costs over a full year, even for short-term payday loans that last only 14 days. While the APR on a payday loan may appear high, it does not reflect the actual cost borrowers pay over the short loan term.

For example, a $350 loan for 14 days with a 450% APR results in a finance charge of just $60.03, not hundreds or thousands of dollars

At Beehive Loans, we are committed to clear, upfront pricing so you can understand exactly what you pay—without misleading figures or hidden fees.

Loyalty Program – Save More with Every Loan

Unlike other payday lenders, Beehive Loans actually lowers your costs the more you borrow.

What is the Emergency Cushion?

The Emergency Cushion is an exclusive perk for loyal borrowers at the Queen Bee and Hive Master levels.
  • Queen Bee members receive a $50 Emergency Cushion
  • Hive Master members receive a $100 Emergency Cushion (once per year)

How it Works?

If you fall behind on payments and want to catch up on your principal, the Emergency Cushion automatically reduces part of your interest, making it easier to pay off your loan without accumulating excessive fees.

Example

If you owe $75 in interest and are struggling to repay, the Emergency Cushion covers $50 (Queen Bee) or $100 (Hive Master), reducing your balance so you can focus on paying down your principal.
Loan Extensions & Renewals

Extensions & Payment Flexibility

Need more time to repay? Utah law allows loan extensions for up to 70 days.
  • Pay only the interest and origination fee to extend
  • The remaining balance rolls over to a new 14-day term
  • A new interest charge applies for the extension period

Right to Cancel

Borrowers may cancel a payday loan by 5:00 PM MT the next business day after taking it out.
  • Submit a written request via email or fax
  • The full loan amount will be debited from your account
This provides an extra layer of security for borrowers who change their minds.

Why Choose Beehive Loans?

Unlike other payday lenders, Beehive Loans actually helps you save money over time.
  • Lower fees than competitors – Our Loyalty Program rewards repeat borrowers with reduced rates
  • No credit check – Approval is based on income, not credit history
  • Same-day cash deposits – Fast funding when you need it
  • Flexible repayment options – Loan extensions and installment plans available
  • Loyalty rewards & discounts – The only payday lender offering long-term savings

Get Cash in Minutes

The Emergency Cushion is an exclusive perk for loyal borrowers at the Queen Bee and Hive Master levels.
  • Simple application – Takes less than 5 minutes
  • Instant approval – No credit check required
  • Same-day funding – Cash deposited directly to your bank
Apply Now
Get the cash you need today