Why Choose Us
About Beehive Loans: A Local Lender That Cares
We’re a locally-owned Utah lender, not a national chain. That means real people who answer email, published prices instead of fine print, and a business built on people over profits: we only do well when a loan actually helps you.
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What We Offer
Borrowing, Minus the Bad Parts
Quick Approval
A 1-minute application and an instant decision based on your income, not your credit score.
No Hidden Fees
Every fee we charge is published on our Rates & Fees page before you ever apply. The price you see is the price you pay.
Flexible Repayment Options
Payday moved? Email us before your due date and we'll work out a repayment schedule with you.
Secure and Private
Your application and bank details are protected with bank-grade encryption, and we never sell your information.
Our customers
Don't Take Our Word for It
“I applied on my phone during a lunch break and the money was in my account before dinner. No store visit, no fax machine, no runaround.”
“Every fee was spelled out before I signed anything. I knew the exact dollar amount I'd repay on my next payday. That's why I came back.”
“When my paycheck date moved, I emailed support and they worked out my due date with me the same day. Real people, real help.”
Why We're Different
Your Rate Goes Down the Longer You're With Us
Most lenders charge loyal customers the same as day-one strangers. Our loyalty program does the opposite: every loan you repay on time moves you up a tier, and every tier lowers your interest and origination fee. It’s our way of rewarding the trust you put in us.
More than a name
Our Love for Bees & Why It Matters
Bees pollinate more than 70% of the crops that feed us, and they’re in trouble. As a company named for Utah’s state symbol, we put our money where our name is: a portion of every loan funds local beekeeping programs and new hives across the Beehive State.
Our Conservation Pledge
Quick answers
Frequently Asked Questions
What is a payday loan?
A payday loan (deferred-deposit loan) is a small, short-term loan of $100 to $1,000, designed to be repaid in one payment on your next payday, typically about 14 days later.
How fast can I get funded?
Most approved applications are funded within one business day, and same-day when you apply before the daily ACH cutoff.
What are the fees and rates?
Our standard rate is $17.26 per $100 borrowed for a 14-day term, and loyalty tiers bring that down to $13.81. Every fee is published on the Rates & Fees page.
How do I repay my loan?
Payments are debited automatically from your bank account on each due date: nothing to remember, nothing to miss. If a debit fails, we may retry it (no more than two additional attempts). Want to pay early, pay in full, or make a payment another way? Log in to your borrower portal, open your loan, and click 'Make a Payment.' Questions? Email support@beehiveloans.com. And if you're worried about an upcoming payment, contact us before your due date and we'll work with you.
A Smarter Way to Borrow, A Better Future for Bees
Fair rates that fall over time, and a hive that grows with every loan.