The Bee Rewards Program
Bee Rewards: The More You Borrow and Repay, the Less You Pay
Every completed loan, payday or signature, moves you up the ladder. Higher tiers mean lower APRs on both products, lower origination fees on payday loans, and more flexibility when life happens. Tiers never expire.
Apply NowFour steps
The Ladder
From Worker Bee to Hive Master: each tier is earned by completing loans, and each one prices lower than the last.
Step 1
Worker Bee
1–3 completed loans
450% / 250% APR
payday / signature
Step 2
Drone Bee
4–7 completed loans
427.5% / 225% APR
payday / signature
Step 3
Queen Bee
8–12 completed loans
405% / 200% APR
payday / signature
Step 4
Hive Master
13+ completed loans
360% / 175% APR
payday / signature
Best rates
Every number
Tiers & Rates, Side by Side
| Tier | Loans completed | Payday APR | Payday origination | Signature APR | Signature origination | Perks |
|---|---|---|---|---|---|---|
 Worker Bee | 1–3 completed loans | 450% | $10.00 | 250% | Always $0 |
|
 Drone Bee | 4–7 completed loans | 427.5% | $8.00 | 225% | Always $0 |
|
 Queen Bee | 8–12 completed loans | 405% | $6.00 | 200% | Always $0 | Best rates on every product |
 Hive Master | 13+ completed loans | 360% | $5.00 | 175% | Always $0 | Best rates on every product |
Full pricing, fee schedules, and calculators live on the Rates & Fees page.
How it works
Three Rules, Stated Plainly
Complete loans, climb the ladder
Every completed loan, payday or signature, counts one step toward your next tier. A loan is completed when it is paid in full: on schedule, early, through a Hive Flex arrangement, or through Utah's Extended Payment Plan. 13 completed loans makes you a Hive Master.
Tiers never expire
There is no yearly minimum and no maintenance requirement. Earn Hive Master once and it's yours for as long as you remain in good standing.
Defaults reset the ladder
A loan that goes into default returns you to Worker Bee. You can always climb again; completed loans after a reset count from step one.
We work with people who work with us
Tier-Standing Protection
If you’re going to have trouble making a payment, contact us before it’s missed. Borrowers at Drone Bee and above who contact us before missing a payment and follow through on an arranged repayment can complete that loan without it counting as a default, and without losing their tier.
What this protects, exactly
Tier-standing protection protects your place on the ladder. It does not by itself change the fees, interest accrual, or terms of your loan agreement: a late payday payment still accrues its late fee per the fee schedule, and a late signature payment still accrues daily interest. What you’re protecting is your rate on every future loan.
Arrangements require proactive communication and are granted case by case: reach out and we’ll work with you.
“We’re transparent with you about every fee and every rate. Be transparent with us when something goes wrong, and we’ll make sure one hard month doesn’t cost you the rate you spent years earning.”
Payday loans
A payday loan repaid through a Hive Flex arrangement counts as a completed loan, and so does one repaid through Utah’s Extended Payment Plan, which is your legal right under Utah law. Completing either never lowers your tier.
Aligned incentives
Why We Built It This Way
Repeat borrowers who repay are our best customers, so they get our best prices. We’d rather cut your rate than spend that money on ads finding strangers. The ladder makes the cheapest loan the one you get by keeping your word.
And an honest note: if you find yourself needing loans constantly, higher tiers make each one cheaper, but free credit counseling may serve you better. Start with Utah 211 or the CFPB. We’d rather you climb out than climb the ladder.
Questions
Bee Rewards: FAQ
Do both products count toward my tier?
Yes. It's one ladder: every completed loan, payday or signature, counts one step toward your next tier.
Do tiers expire?
Never. There is no annual minimum and no maintenance requirement; your tier is yours for as long as you remain in good standing.
What happens if I default?
A loan that goes into default returns you to Worker Bee. You can always climb again; completed loans after a reset count from step one.
Does paying off my loan early still count?
Yes. Completed is completed: a loan paid off early counts toward your tier exactly like one paid on schedule. To pay off early, log in to your portal and click 'Make a Payment'; interest stops the day your balance hits zero.
Does using a payment plan hurt my tier?
No. A payday loan repaid through a Hive Flex Plan schedule, or through Utah's Extended Payment Plan, counts as a completed loan in full. Completing a plan never lowers your tier.
What if I can't make a payment?
Contact us before the due date. Ask about a repayment schedule, and if you're at Drone Bee or above, following through on the arranged plan protects your place on the ladder (see tier-standing protection above).
How do I check my current tier?
Log in to your borrower portal; your current tier and completed-loan count are shown on your account.
Can I skip tiers?
No. One completed loan, one step. The ladder rewards a track record, and there are no shortcuts through it.
Start Climbing: 450% Today, 360% as a Hive Master
Your first completed loan is step one. Tiers never expire, and every loan you finish makes the next one cheaper.