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. PriceGPT compares prices automatically so you never overpay on anything. BudgetGPT tracks your spending, flags problems early, and gives you personalized strategies to keep more cash in your pocket.

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.

Ratings and reviews

The amount of time and energy it requires to access $10 to prevent possibly overdrafting your bank account is insane. it literally takes days and abundance of personal information and repetitive verifications, a monthly subscription charge, additional fees to transfer to your checking account, and additional fees if you choose to get a gift card. regardless of the reason you're looking at this app I assure you it is not worth the time, energy or money! I highly do not recommend

BE WARE!! I've been trying to cancel my plan since January 2026 and they still charge me every month. I've contacted support several times and asked that they delete my account on their end because it wont let me do it in the app and I still get charged a fee every month. It isn't due til April 15th and they took it out on the 1st!! Now I'm paid up until May 15th for this app that I can't use! I'm going to have to contact my bank and put a stop payment on anything from Beem to stop them!

The app is so glitchy. I am a first time user, and the screens kept freezing, the first verification code sent to me didn't work, and after having to exit the app, now it's saying my device was flagged as fraud? It also said my account was deleted, but how do I confirm this? I definitely don't want you guys to have my info anymore

What’s new

Beem.
Linking your bank account is now smoother with clearer error messaging when there's a delay, so you're never left guessing. Verified users are now correctly directed to the home screen without any detours. We've also improved the in-app ratings experience and made it easier to share your Beem review on Trustpilot. Plus the usual stability and reliability improvements throughout. Clearer guidance. Smoother banking. Better experience.