By Editorial Team
Last Updated: Apr 03, 2025
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Beem is a cash advance app that lets you access up to $1,000 without any credit checks or interest rates. Instead, you pay a monthly subscription fee based on the plan that suits you best.
To get a cash advance with Beem, you choose from their four plans: Lite ($0.99/month for up to $10), Basic ($2.47/month for up to $50), Plus ($5.97/month for up to $100), and Pro ($12.97/month for up to $1,000). You can receive your cash instantly to your debit card for a small fee, or opt for free transfers to gift cards or prepaid cards.
To be eligible, you need to be at least 18 years old, live in the U.S., and have a valid bank account. Beem doesn't require a credit check but reviews your bank account balance, transaction history, and spending habits. The company is based in San Francisco and claims to be trusted by over 1 million users.
Yes, Beem offers cash advances of up to $1,000 if you're on their $12.97 monthly PRO plan. They also have lower-priced plans starting at $0.99/month, which let you access smaller amounts (up to $10 on the LITE plan). There are no interest charges or late fees, and repayment is flexible—they'll automatically deduct what you owe from your linked bank account when funds are available. Standard transfers to your bank account are free and take 3–5 business days, while instant transfers to your debit card cost between $0.99 and $4.00, depending on your plan, and get you the money within 1–20 minutes.
There are a few main criteria that will make you qualified for a cash advance app from Beem:
Beem does not require credit checks or have income restrictions. They use their proprietary algorithm to decide if you're eligible and the maximum cash advance they can offer, up to $1,000.
On top of the cash advances that Beem offers, there are a few other features that you might find useful.
With Beem, you can instantly send money to anyone in the U.S., even if they don't have the app or a bank account. The "Send Money, Pay Later™" feature lets you send cash, checks, gift cards, and more with flexible repayment options. Plus, there are no transaction fees when you add and send money, making it a convenient way to pay people.
Beem offers tools to help you manage your finances better. The Better Financial Feed™ (BFF) provides daily personalized insights based on your transactions, helping you save and spend smarter. You can track your expenses, set savings goals, and even monitor your credit score right within the app. Real-time alerts keep you updated on any changes to your credit score, so you can take action when needed.
Beem also gives you access to other financial products. You can compare car insurance quotes from providers like Progressive and GEICO to find potential savings. If you're looking for a personal loan, you can view and compare rates directly in the app. There are also affordable health and wellness options, including 24/7 telemedicine consultations and discounts on vision, dental, and mental health services.