Beem: Better than Cash Advance

Line - A Public Benefit Corporation

About this app

Beem (formerly Line) is better than any instant cash advance app, payday loan, personal loan and credit products. Subscribe to withdraw verified bank deposits early, get job loss protection, file taxes and more. Plans start as low as $2.47/month. Beem is not a payday loan or a cash advance app.

Everdraft™, an alternative to cash advance apps, allows you to withdraw $10-$1,000 of verified bank deposits, early. T&C apply and amount can vary for each user. You can choose how you want to access the funds. Based on your choice, fees between $0-$4 may apply. You will be notified of the fee at the time of making the choice.

Receive & Withdraw verified bank deposits early, either in your Beem balance, a gift/prepaid card, into your debit card (express delivery fees apply to instant cash transfers) or a bank account within 2-3 days.

File Federal & State taxes in any state to maximise your tax refund.

Earn cash by playing games.

Unlock more money with cash boosts. Send & use Gift Cards, Visa & MasterCard Prepaid Cards. Receive money in the form of Gift Card, Visa or MasterCard Prepaid Card & use them at retailers.

Beem app is available only in the US and is developed by Line Financial - A PBC, based in the US.

Benefits of Beem: Better than Instant Cash Advance

*Everdraft™ - The #1 alternative to Cash Advance
With Everdraft, subscribers can access $10-$1000 of verified bank deposits, early. No credit checks. No interest, No income restrictions. No due dates.

*Add & Send Money for Free
Add money without a fee. Send money instantly from Beem to anyone, even those w/o a bank account or Beem App.

*Your BFF - Better Financial Feed
Manage your money with a personalised budget in a Feed to avoid overdrafts. Track spends & get reminders on upcoming bills, low balance etc.

*File Federal & State Tax
Maximise your refund with Beem's tax filing. W2 or 1099, single or joint, all tax filing situations are supported seamlessly.

Security and Privacy
Beem is the #1 Safe & Trusted App with 24/7 Support across chat, call, & email & comes with bank-level security, data privacy, and 24/7 dedicated support on the app, via phone at [phone], via email at [e-mail] & on our website.

Qualify on Beem - Better than Cash Advance
If you’ve faced challenges with apps like MoneyLion, Dave, Brigit, Chime, Klover, Albert, Floatme, Empower or are unable to secure an instant cash
advance or a loan, Beem can support you in withdrawing verified bank deposits early and instantly.

Disclaimers:
Beem is not affiliated to or does not represent any Govt entity. Tax filing is facilitated by April - https://www.getapril.com/ , an IRS certified tax filing entity.

You can find information regarding the IRS at https://www.irs.gov

Beem’s Everdraft availability is subject to our T&C, as well as qualification criteria that includes, but is not limited, to cash flow and income verification. Repayment period and APR would not be applicable.

Apart from Everdraft, Beem also offers personal loans from 3rd party advertisers from which Beem may receive compensation. Beem displays personal loans with rates that range from 0.50% to 35.99% APR with terms from 4 month to 20 years. Rates are controlled by 3rd party advertisers & are subject to change without notice. Depending on the lender, other fees may apply (such as origination fees or late payment fees). You can view any particular offer's T&C for more information. All loan offers on Beem require application and approval by the lender. You may not qualify for a personal loan at all or may not qualify for the lowest rate or highest offer displayed.

For Example: A borrower receives a personal loan of $10,000 with a term of 36 months and and APR of 17.59% (which includes a 13.94% yearly interest rate and a 5% one-time origination fee). They would receive $9,500 in their account and would have a required monthly payment of $341.48. Over the lifetime of their loan, their payments would total $12,293.46.

Ratings and reviews

**Update- Beem got a new system for your bank to connect to called Aerosync which has been a pain to deal with. I've tried connecting my bank account numerous times only to have an error message pop up saying my bank is doing maintenance on their site and can't connect which isn't true! Then when I try connecting my debit card, it keeps saying there's an error and won't connect it. Despite numerous attempts to work with Customer service, they haven't fixed the problem (it's been 2 months now!)

This app is giving scam tendencies. I say this because the card verification process is ridiculous! I paid for the lowest tier subscription on 5/3/25. It's 5/7/25, and I attempted to withdraw the "available" amount, and to my surprise, the card hasn't been verified yet! My debit card has been charged and completed. Beem, I have questions: What are you verifying at this point? Are you just collecting subscription fees with the intent of the subscriber not being able to receive withdrawals?

the worst app ever.. play games to earn money but you can't withdraw the money. can't input bank info. can't even see the balance of money in the app. go online to try to do it and still can't get through won't even load. dont waste your time. if you want an app to earn money go to swagbucks and kashkick at least I made over 1k on both in 2 years. you literally can't access anything on the app.

What’s new

Bug fixes and improvements