Your Path To A New Financial Future

With either no credit or poor credit, banks will likely deny you financing for a mortgage, auto or personal loan – dimming your financial future. HoneyBee is here to help. 

How To Improve Your Credit Score

Build credit with on-time payments

Repaying a HoneyBee PTO Loan on time helps us report your good payment behavior to the credit bureaus putting you on a path to a better credit score.

35% of your credit score is based on your payment history making it the most important factor.

HoneyBee Sample Use Case

Amy takes out a HoneyBee PTO Loan and repays as agreed. Once fully repaid, she repeats the process and continues to make all the repayments on time on her new loans. While improved scores don’t happen overnight, such positive behavior from Amy adds up over time increasing her credit score. ² 

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660 4th Street, Suite 600, San Francisco, CA 94107

Privacy Policy           Term of Use           Compliance       

(1) California Residents: Ziero Financial Inc. dba HoneyBee is licensed by the Department of Business Oversight, pursuant to the California Finance Lenders Law, license #6052829. Ziero Financial Inc. dba HoneyBee is compliant with the Equal Credit Opportunity Act.  A 3-month $2,500 loan from us with a stated interest rate of 0% and a loan origination fee of $50 would require 5 scheduled bi-weekly payments of $510 for an effective Annual Percentage Rate (“APR”) of 17.26%. Eligibility is not guaranteed, and requires that lending capital is available to fund your account and that you meet credit and other conditions. All loans are issued by Ziero Financial Inc. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long-term visa and at least 18 years old. Valid bank account and Social Security Number are required.  

(2) Results not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.