HOW IT WORKS

From application to funded in four steps

1. Confirm eligibility

Enter your last name, zip code and date of birth so we can confirm your employer offers BeneMoney.

2. Apply online

No credit is pulled. Just create your account with your email and password.

3. Get your loan

Choose the loan amount you need, sign the paperwork, and receive approval then and there.

4. Receive your funds

Funds are deposited within one business day -- even faster if you use the BeneMoney Card.

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REAL BORROWERS

What people say after borrowing with BeneMoney

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FAQs

  • What is BeneMoney?

    BeneMoney helps you build a brighter, financially secure workforce by providing your employees with safe, secure and affordable financial wellness solutions. Our Financial Wellness Platform provides No Credit Check Loans with credit counseling sessions so your employees can get back on track financially and eventually participate in other financial wellness benefits you offer. BeneMoney’s No Credit Check Loans are funded by Sunrise Banks, N.A., a socially responsible community bank and certified B corporation focused on creating financial empowerment for all. 

  • Where is BeneMoney available?

    BeneMoney’s Financial Wellness Platform is available in 47 U.S. states, excluding New Jersey, Kansas and Rhode Island who have state laws prohibiting automatic payroll deductions. 

  • Will BeneMoney check my credit score?

    No. BeneMoney is a No Credit Check Loan program so we do not pull a hard or soft credit report.

  • How long does it take to get a loan?

    Our loan application takes no more than 5 minutes and is fully completed online.

  • How quickly does it take to receive my loan funds?

    Your funds will be deposited in your bank account within 24 hours, or within one business day.

  • How does BeneMoney work?

    BeneMoney’s No Credit Check Loan is a patented small-dollar loan program that allows all employees, once they hit a minimum tenure, to take a loan out without pulling a credit report. All repayments are repaid through automatic payroll deductions over a one-year period with a fixed APR.

  • Does BeneMoney report to all major credit bureaus?

    Yes, BeneMoney reports all automatic repayments to all major credit bureaus. 

READY WHEN YOU ARE

Start your BeneMoney application today

It takes about 5 minutes to apply, there's no credit check,
and you'll know right away if you're approved.