Cash Advance Apps

How does Beem cash advance work?

How does Beem cash advance work?

By Editorial Team
Last Updated: Apr 03, 2025

Beem is a cash advance app that lets you access up to $1,000 when you need it. You get the money now and repay it when you receive your next deposit. It's easy: download the app, sign up, choose a plan (starting at $0.99 per month), and request an advance. There are no interest fees or hidden charges like payday loans, but Beem charges a monthly fee based on the plan you pick to access these advances.

How to get a Beem cash advance: step-by-step

Download Beem on your phone and follow these steps:

  1. Create account: Sign up with your personal information like name, address, and contact details.
  2. Verify identity: Complete the verification process and any KYC steps.
  3. Subscribe: Choose a plan (Plus or Pro) within the app to access cash advance features like Everdraft™.
  4. Link bank: Connect your bank or payroll account to verify your income.
  5. Check eligibility: Go to the Everdraft™ section and tap "Check Now" to see if you qualify.
  6. Request advance: If eligible, select the amount you need (up to $1,000) and request it.
  7. Receive funds: Choose how you'd like to get the money—instantly to a debit card (fees of $1–$4 may apply) or to your bank account.
  8. Repay: Repay Beem when you receive your next deposit in your linked bank account.

Table of contents

How to get a Beem cash advance: step-by-stepAdvance amounts, fees and repayment termsHow long does Beem cash advance take?What do Beem users say about funding speed?

Advance amounts, fees and repayment terms

Advance amounts
$5 - $1,000
Monthly fee
$0.99
Time to get cash
3–5 business days
Expedite fee
$1 to $4
Time to get cash with express fee
1–20 minutes

How long does Beem cash advance take?

You can get your cash advance deposited into your bank account for free, but it will take 3 to 5 business days to arrive.

If you need your money sooner, Beem offers free instant transfers to gift cards for over 2,500 retailers or to a prepaid VISA or Mastercard.

For immediate cash, you can choose an instant transfer to your debit card. The fee for this service depends on your plan: it's $0.99 or $1.56 per transfer on the LITE plan, $4.00 per transfer on the BASIC and PLUS plans, and $2.00 per transfer on the PRO plan. With instant transfers, you can have your money in as little as 1 minute, typically within 20 minutes.

What do Beem users say about funding speed?

Out of hundreds of reviews published in February and March 2025 that we analyzed, we found 90+ recent comments mentioning funding speed. Here’s what users say about it:

  • Instant for most: Over 80 users praised how quickly they received cash—often calling it “instant”, “fast”, or “within minutes”.
  • Issues for some: About 7 complained about problems receiving funds—some said the instant cash feature was unavailable or that the process was slow. A few mentioned technical glitches or unhelpful support.

Overall, most users are happy with Beem's quick funding, but a small number experience delays or technical issues.