Beem: Cash Advance & Banking

Line - A Public Benefit Corporation

About this app

Beem is the #1 cash advance and money app trusted by 5 million+ Americans. Get instant cash advances up to $1,000, build credit automatically on every purchase, and manage your money with AI-powered banking tools—all in one loan app. If you've ever needed to borrow money instantly for an unexpected bill or emergency expense, Beem is built for exactly that moment. No interest, no hidden fees, no waiting. Your complete money app for banking, borrowing, and beyond.

Forget payday loans and high-interest loan apps. Beem gives you a smarter way to borrow money—with an instant cash advance that hits your account in minutes, not days.

Your funds are FDIC-insured up to $250,000 with bank-level security, real-time transaction alerts, secure sign-in, and 24/7 customer support whenever you need it.

EVERDRAFT: INSTANT CASH ADVANCES UP TO $1,000 Life doesn't wait for payday, and neither should you. Beem's Everdraft gives you up to $1,000 on the spot—more than Dave ($500), Earnin ($750), or Brigit ($250). It's the loan app cash advance feature that millions already trust.

Need a cash loan for rent? A pay advance before your check clears? An instant loan to cover groceries? Everdraft handles it all with zero interest. No payday cash advance traps, no personal loan applications, no credit checks.

Other apps make you jump through hoops for basic money borrowing. Beem keeps it simple: request your cash advance, get your money, and move on with your day. Why juggle a transfer app, a loan app, and a credit builder when Beem does everything in one place? That's why millions choose Beem over every other money loan and pay advance app on the market.

AUTOMATIC CREDIT BUILDING Beem is the only banking and money app that builds your credit automatically on every purchase. Your Companion Card reports to Experian, Equifax, and TransUnion monthly—no extra steps required.

Chime makes you use a separate secured card. Self makes you wait months to access your money. Kikoff caps you at $500. Beem just works. Swipe your card, build your credit, and borrow what you need through Everdraft while your score climbs. No other loan app gives you credit building and instant cash advances together this seamlessly.

AI-POWERED SMART AGENTS Beem goes beyond cash advances and credit building. Our AI agents work around the clock to save you money and simplify your life:

JobsGPT finds gigs and full-time roles that match your skills, helps you apply, and tracks every opportunity in one place. DealsGPT hunts down verified discounts and cash-back offers before you spend, saving you hundreds each month.

HOW BEEM STACKS UP Beem vs Dave: Higher cash advance limits, automatic credit building included Beem vs Chime: Instant cash advances plus credit building without a separate card Beem vs Earnin: Bigger cash advance amounts with full banking features Beem vs Cleo: 4x the cash advance ($1,000 vs $250) with specialized AI agents Beem vs Brigit: 4x the limits on a comprehensive banking platform Beem vs MoneyLion: Lower fees, instant loan access, better overall experience Beem vs Self: No waiting period—instant credit building, banking, and cash loan access

WHO CAN USE BEEM U.S. resident, age 18 or older with a valid Social Security Number or ITIN. That's it.

Beem is not affiliated with Dave, Earnin, MoneyLion, Brigit, Chime, Varo, Zelle, Cash App, Venmo, PayPal, Albert, Cleo, Self, Kikoff, or any other cash advance, personal loan, zelle money app, or mobile banking app.

Disclaimers: Everdraft availability depends on Beem's T&Cs, 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 are set by lenders and may change.

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

So many issues with this app. I was playing games to cash out money after. But my bank isn't on the list. There's no way to manually add my bank or just use a debit card, or cash out to PayPal. Cash app and PayPal are on the list, but are not supported, so shouldn't be on the list. Every feature i try to use gives an error message. I am constantly having to sign back in and get a code, even though I have a pin, because it says my session is timed out. They didn't put much thought into this app.

Their AI makes you post a positive review to use the app. While you can get an advance, the app is terrible. First advance was no problem. The second one I paid for "instant". It finally hit my account over 12 hours later. Don't keep any money in your external account. They will take it as soon as they see the balance go up if you have an outstanding advance. They put my account in the negative when I was leaving the money in the account to cover a bill. I paid the fee to have the money 4 days.

This app has been pretty helpful when I've needed some extra cash. My only complaint is that it seems to have issues loading the withdrawal once you select how/where you want the funds deposited. When it does go through, everything goes smoothly and it usually hits my account within minutes.

What’s new

Beem Linking your bank is now smoother with clearer delay alerts. We've also added instant phone verification—no more waiting for OTP codes. Verified users now go straight to the home screen without detours. Clearer guidance. Smoother banking. Better experience.