Beem: Cash Advance & Banking

Line - A Public Benefit Corporation

About this app

Beem is the #1 cash advance and banking app trusted by 3 million+ Americans. Get instant cash advances up to $1,000, build credit automatically on every purchase, and use AI-powered banking tools—all in one app.

INSTANT CASH ADVANCES UP TO $1,000
Need a cash advance now? Beem's Everdraft gives you instant cash advances up to $1,000 in minutes. Our cash advance limits are higher than Dave cash advance ($500), Earnin cash advance ($750), or Brigit cash advance ($250).

Beem cash advances help when you need emergency cash for bills, rent, groceries, or unexpected expenses. Unlike payday loan apps or high-interest cash advance lenders, we charge zero interest on cash advances.

AUTOMATIC CREDIT BUILDING (BETTER THAN CHIME, SELF, KIKOFF)
The only banking app with automatic credit building on every purchase. Your Beem Companion Card reports to all three major credit bureaus monthly—Experian, Equifax, and TransUnion.

Unlike Chime Credit Builder that requires a separate secured card, Self that makes you wait for your money, or Kikoff with tiny $500 limits—Beem builds your credit automatically with every swipe of your banking card.

AI-POWERED BANKING WITH 4 SMART AGENTS
Beyond cash advances and credit building, Beem's AI banking agents work 24/7:

JobsGPT - AI-powered job finder discovers gigs and full-time work matching your skills, helps you apply, and tracks all opportunities

DealsGPT - AI shopping assistant finds verified discounts and cash-back offers before you buy anything, saving hundreds monthly

PriceGPT - AI price comparison tool automatically compares prices on receipts and products so you never overpay again

BudgetGPT - AI budget tracker monitors spending, flags financial issues, and suggests personalized money-saving strategies

BEEM VS OTHER CASH ADVANCE AND BANKING APPS
Beem vs Dave: Higher cash advance limits ($1,000 vs $500), automatic credit building feature
Beem vs Chime banking: Cash advances included, automatic credit building (not separate card)
Beem vs Earnin: Higher cash advance amounts, credit building, full banking features
Beem vs Cleo: 4x more cash advance ($1,000 vs $250), specialized AI agents
Beem vs Albert banking: Automatic credit building, higher cash advance limits, better AI
Beem vs Brigit: 4x cash advance limits, more comprehensive banking platform
Beem vs MoneyLion: Lower fees, automatic credit building, better user experience
Beem vs Self credit builder: Instant credit building (no waiting), banking, cash advances
Beem vs Kikoff: Higher credit limits, banking features, cash advances

ELIGIBILITY FOR BEEM BANKING & CASH ADVANCES
U.S. resident, age 18 or older
Valid Social Security Number or ITIN

Beem is not affiliated with Dave, Earnin, MoneyLion, Brigit, Klover, Chime, Varo, Cash App, Venmo, PayPal, Albert, Cleo, Self, Kikoff, Credit Karma, Rocket Money, FloatMe, Grant, DailyPay, Zayzoon, Gerald, Clair, Instant, or other cash advance apps, credit builder apps, or mobile banking apps.

Disclaimers:
Beem is not affiliated with or representative of any government entity. Tax filing is powered by April, an IRS-certified provider. Visit irs.gov for official IRS information.

Everdraft availability depends on Beem’s T&Cs and eligibility criteria, including cash flow and income verification. No repayment period or APR applies.

Beem also displays personal loan offers from third-party advertisers (APR 0.50%–35.99%, terms 4 months–20 years). Rates, terms, and fees (e.g., origination or late fees) are set by lenders and may change. Loan approval and terms depend on the lender’s review.

Example: A $10,000 loan at 17.59% APR (13.94% interest + 5% origination fee) over 36 months results in $9,500 disbursed, $341.48 monthly payment, and $12,293.46 total repayment.

Ratings and reviews

These people who run the app have committed deceptive practice by scamming you big time. They charge you a huge subscription fee and when it's time to request an advance. They ghost you. On September 4th. They automatically deducted the $152 from my account for my ever draft repayment. And now.....I CANNOT REQUEST ANOTHER ADVANCE because these leeches tell me to relink my debit card and when I do. It's suddenly having issues and when I try to enter it manually. it on't do 💩 biggest scammers.

When it was Line, it was wonderful and probably one of the best of it's kind. I was approved for a Line quickly, paid it back and borrowed again easily. It helped my credit and my Line increased often. The moment it became Beem the issues began. I couldn't pay back my line so suddenly I was delinquent even though I tried everything to pay it back, even emailing the company (waste of time). It stalls, crashes, and now I'm uninstalling and trying again. From other comments I have very little hope.

This app is a little annoying. I'm an uber driver and I have a full time job. I make money everyday with uber. Line just takes the money whenever. I'd like it better if it just had a due date. It would make more sense. I can get an advance and two days later Line just takes the advance right out of the account. I've barely had time to use it! It's just annoying. I'll probably uninstall.

What’s new

Bug fixes and improvements