Financial Safety Net with BeneMoney

Financial stress costs you more than you realize.

73%

of U.S. workers report experiencing financial stress throughout the work day.

2/3

say loan support strongly influences their decision to stay with an employer.

50%-200%

of annual salary is what it will cost to replace an employee, depending on their role.

(SHRM and Raymond James Research)

BeneMoney helps you address one of the biggest drivers of employee distraction and turnover by giving your employees access to responsible financial tools before their crisis shows up in the workplace.

The Responsible Financial Solution

BeneMoney combines education, coaching and access to the right financial tools all in one place.
EMPLOYEE LOANS

Secure and affordable access to funds through a payroll deduction without relying on traditional credit scores.

CREDIT COUNSELING

One-on-one support that helps employees improve financial habits and long-term stability.

BENEMONEY CARD

Modern pay card that improves access to wages and financial services while building emergency savings.

EMERGENCY SAVINGS

Simple, practical solution to save more for when an emergency becomes today's problem.

One easy-to-use platform

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Financial stress is showing up at work and it's becoming your problem. 74% of employees want financial support from their employer, and employees are more likely to stay when meaningful financial wellness benefits are available.

No Credit Check Loan

  • Loans $1,000-$10,000

  • APR 18.99%-19.99%

  • 12-24 month terms

  • No credit check ever

  • Eligibility based on tenure

  • Repayments reported to all 3 major credit bureaus

 

PwC’s 2026 Employee Financial Wellness Survey

Education alone doesn't solve an emergency, but it is the perfect pairing with our loan program to help your employees navigate their financial stressors.

Free Credit Counseling

  • Self-serve education portal

  • Access to free courses

  • Unlimited credit counseling sessions

  • Learn on your own time

Offer your employees a pay card so they have faster access to their pay. And when you offer the BeneMoney Card, your employees can receive their No Credit Check Loan directly to their pockets in minutes.

The BeneMoneyCard

  • Universal access to funds

  • Faster access to paychecks

  • Enables real-time funding

  • Direct savings channel

Empower your employees with emergency savings access they can count on. Your employees can now easily turn their BeneMoney Loan into an emergency savings account, no strings attached.

 

Emergency Savings

  • Direct savings channel

  • No hidden fees

  • Easy access when an emergency strikes

5 stars-1
BeneMoney has the highest employee loan approval rating in the industry.

Why choose BeneMoney

Designed for your workforce. Built for your employees.
Quantifiable ROI

Employee turnover is one of the largest hidden costs on your P&L. BeneMoney gives employees a payroll linked financial safety net, helping employers improve retention and reduce replacement costs. 

Improve EBITDA Through Retention

Turnover is expensive. A 29% retention improvement can generate up to $125,000 or more in average EBITDA gains for your company.

Zero Employer Liability

No employer funding. No lending risk. No balance sheet exposure. Employees participate voluntarily while employers gain retention and ROI without financial risk.

A Benefit Employees Value

 A payroll linked line of credit gives employees a financial safety net for unexpected expenses, reducing financial stress and building loyalty, while giving employers a benefit they can measure.

See what you could save with BeneMoney

Enter your workforce info to see your unique impact.

Why choose BeneMoney

Designed for HR. Built for your employees.
  • Minimal administrative burden
  • Simple payroll integration
  • Supports recruiting and retention goals
  • Complements existing benefits programs
  • No PEPM
  • Zero employer liability
  • Available in 47 states
  • Trusted by employers nationwide

PARTNERS

We work with the systems your HR team already runs on

Don't see your provider? No stress!
We are payroll agnostic and can work with any provider.

TRUSTED BY OUR CUSTOMERS

Why employers love BeneMoney

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Minimal administrative burden
Simple payroll integration
Supports recruiting and retention goals
Complements existing benefits programs

How BeneMoney works

Simple to launch. Simple to manage.
You offer the benefit

Add BeneMoney as a voluntary benefit for eligible employees--no liability, no underwriting responsibility on your end.

We connect to your payroll

BeneMoney will work with whatever payroll or HR platforms you already use to verify eligibility and manage repayment.

Employees apply directly

Your employees apply online in 5 minutes. No credit check and no involvement needed from your HR team.

Repayment runs automatically

Approved loans are repaid through automatic payroll deductions over 12-24 months.

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

Give your employees a benefit they'll use.

Schedule a call to see if BeneMoney is right for your workforce.