Forget Everything You Know About Loans

All employees with paid time off (and vacation days) can access up to $2,500 at any time. There is no monthly interest, no credit requirement, and it takes only five minutes to apply.*

Available 24/7

Borrowers can easily access up to $2,500 at any time

Zero Restriction

Taking out a PTO loan does not restrict the use of vacation time

Build Credit

Successful PTO loan repayments will help improve credit score

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

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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. * Assuming a 3-month $2,000 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 $410 for an effective Annual Percentage Rate (“APR”) of 21.55%. 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.