Two Ways to Borrow
Every Rate and Fee, Both Loans, One Page
A payday loan is a small amount ($100–$1,000) repaid in one payment on your next payday. A signature loan is a larger amount ($200–$2,500) repaid in fixed installments over 12 months. Both get cheaper as you climb Bee Rewards, and every number for both is on this page.
Payday Loan Rates
$100–$1,000, one payment on your next payday, flat published pricing. Everything in this section applies to payday loans only.
Three steps
How It Works
Apply in 1 Minute
One short online form, any device, 24/7. Job + ID? You're approved!
Get Funded Fast
Approved loans are funded by ACH: same-day before the cutoff, next business morning after.
Repay and Unlock Loyalty Rewards
Every on-time payoff moves you up a loyalty tier with lower interest and smaller origination fees.
Looking for Lower Rates?
Come back and your price drops, from $17.26 per $100 all the way to $13.81. The Bee Rewards tiers above are published rates, not a negotiation.
See the Bee Rewards TiersBefore the numbers
A Word About APR
Federal law requires short-term loans to be quoted as an annual percentage rate, even when the loan lasts 14 days. The APR annualizes a two-week cost; it is not the interest you pay.
Example: borrow $350.00 for 14 days at 450% APR and the finance charge is $60.41, not 450% of your loan. The dollar figures below are what you actually pay. For the full math, read what a payday loan really costs.
Full transparency
Payday Loan Fee Schedule
Every fee the payday product can ever charge, in one table.
| Fee | Amount | When it applies |
|---|---|---|
| Origination Fee | $5.00–$10.00 by loyalty tier | Charged at the initial funding of every loan. Included in the finance charge. |
| Late Payment Fee | $15.00 | One per missed payment, assessed on the due date, or 3 calendar days after under the Loan Agreement. |
| Returned / NSF Payment Fee | Up to $35.00 | Per failed or returned payment. |
| Payment Processing Fee | 3.5% + $0.25 | Applies to electronic payments. |
| EPP Default Fee | $20.00 | If an Extended Payment Plan is not honored (Utah Code §7-23-403). |
| Attorney's Fees & Collection Costs | Actual costs | Reasonable attorney's fees plus actual costs on referral or filing. |
| Prejudgment Interest | 10%/annum | From default until judgment (10-week statutory cap). |
Do the math
Payday Cost Calculator
Model any amount and any Bee Rewards tier, and see the Beehive advantage against average Utah lenders.
Unable to pay the lump sum?
Ask about our Hive Flex Plan to set up a schedule to repay your loan. Contact us before your due date and we'll work it out together.
Contact us about Hive FlexYour Beehive loan
- Amount borrowed
- $400.00
- Term
- 14 days
- Interest (450%)
- $69.04
- Origination fee
- $10.00
- Finance charge
- $79.04
- Total to repay
- $479.04
The Beehive advantage
The same loan at an average licensed Utah lender: 527% to 652% APR plus a 5% origination fee:
- Average Utah lender (low end)
- $500.85
- Average Utah lender (high end)
- $520.03
You save: $21.81–$40.99 vs. the average Utah lender
Why APR looks scary for short terms
APR annualizes cost. A 14-day fee gets multiplied roughly 26× to express it as a yearly rate: useful for comparing lenders, misleading as a prediction of what you'll pay. The dollar figures above are what you actually pay.
How we calculated this
Interest = amount × APR × (days ÷ 365) for a 14-day term. Beehive charges a flat origination fee by tier at funding. The Utah-average comparison uses 527% (low) and 652% (high) APR plus a 5% origination fee, based on published rates of licensed Utah lenders.
Life happens
Can't Repay in One Payment? The Hive Flex Plan
A payday loan is built to be repaid in one payment, but payday doesn’t always cooperate. The Hive Flex Plan is what we offer instead of letting your loan default: contact us before your due date, we convert the balance to installments with a designated payoff date, and every payment chips away at what you actually owe. Arranged case by case, together.
Compare that to rollover lenders, where each rollover charges the full fee again and reduces your balance by exactly $0. Four rollovers on a $300 loan runs $240.00 in fees with the entire $300 still owed. Hive Flex payments retire the debt itself.
Utah law also guarantees every borrower an interest-free Extended Payment Plan of 60–90 days before any lawsuit, available once per 12 months; ask us and it’s yours. Most borrowers prefer the Hive Flex Plan because it isn’t limited to once a year and sets a clear payoff date from day one.
Email, call, or text before your due date and we’ll set it up.
Changed your mind?
Your Right to Cancel
You can cancel any Beehive payday loan at no cost until 5:00 PM Mountain Time the next business day after funding. Send us a written request by email or fax, and we’ll debit the full loan amount: no interest, no fees, no questions.
The Bee Rewards Program
Bee Rewards Tiers & Rates
One ladder, both products. Every on-time payoff of either loan type counts toward your tier, and higher tiers pay lower prices on everything, automatically.
| 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 |
Signature Loan Rates
$200–$2,500 over 12 months in fixed installments matched to your paydays. Everything in this section applies to signature loans only.
One rate, zero fees
Signature Loan Pricing
Interest accrues daily on your remaining balance only, and there are no fees, so your APR equals your interest rate: 175%–250% depending on your Bee Rewards tier.
- Worker Bee 250%
- Drone Bee 225%
- Queen Bee 200%
- Hive Master 175%
$0 origination at every tier. No late fees; the only possible fee is $35.00 if a payment is returned.
Interest works one way: each day your balance accrues your annual rate ÷ 365, on the remaining principal only. Payments cover accrued interest first, then reduce principal, and interest never compounds. Pay the balance in full any time and interest stops that day. The Signature Loans page has the full explainer and FAQ.
| Fee | Amount | When it applies |
|---|---|---|
| Origination Fee | $0.00 | Always. At every Bee Rewards tier. |
| Late Payment Fee | $0.00 | Paying late is never penalized with a fee; the balance simply accrues more days of interest until paid. |
| Returned / NSF Payment Fee | $35.00 | Per returned payment, once per occurrence. Never stacked. |
| Prepayment Penalty | $0.00 | Pay off in full any time; interest stops accruing the day the balance reaches zero. |
Representative example: Worker Bee tier
$1,000 borrowed at 250% APR (Worker Bee tier), repaid in 26 biweekly installments of $105.89 over 12 months.
- Total of payments
- $2,752.70
- Total interest
- $1,752.70
- APR
- 250%
Your rate depends on your Bee Rewards tier. Paying early reduces total interest; this example assumes every payment is made exactly on schedule.
Do the math
Signature Loan Calculator
Pick an amount, your Bee Rewards tier, and how you're paid; see your installment, total interest, and the full payment schedule.
$200–$2,500
Your signature loan
- Payment amount Every 2 weeks
- $105.89
- Number of payments
- 26 over 12 months
- Total interest
- $1,752.70
- Total of payments
- $2,752.70
- APR (= interest rate)
- 250%
No origination fee, no late fees, no prepayment penalty. The only possible fee is $35.00 if a payment is returned. With no fees, your APR equals your interest rate.
At Hive Master (175%), this same loan would cost $608.40 less.
Pay your balance in full any time: log in to your portal and click 'Make a Payment'. Interest stops the day your balance hits zero. No prepayment penalty.
The bottom line
Why Borrow From Beehive
- The lowest published payday pricing among licensed Utah direct lenders
- A rewards program that cuts your rate: published, not promised
- Every fee on this page, in writing, before you apply
- 100% online from application to payoff
Get Cash in Minutes
Apply before the daily cutoff and the money lands in your account today.