By Editorial Team
Last Updated: Nov 13, 2025
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Beem is a membership-based cash-advance app that lets qualifying users tap its Everdraft feature for up to $1,000, depending on the plan you choose. The Free tier gives you basic tools like tax filing, P2P payments and cash-back shopping, but you’ll need at least the $2.47/mo Basic plan to unlock instant advances and credit monitoring. Higher-priced Plus ($5.97/mo) and Pro ($12.97/mo) tiers raise the advance cap—roughly $100 and $1,000 respectively—and add job-loss or disability protection. Advances carry no interest, tips or late fees; you simply repay on your next paycheck. Standard ACH delivery is free and takes 3–5 business days, while instant transfers to a debit card or Beem wallet cost $0.99–$4.00 per transaction.
Beem at a Glance: Key Features & Fees
Advance amount
$5 - $1000
Monthly fee
$2.47
Regular funding time
3 to 5 business days
Express funding time
20 minutes
Express funding fee
$0.99 - $4
Main features
Instant $1,000 advances, 5% savings wallet, Credit-builder card, AI budgeting, Up to 10% cash-back
Advance amount
$5 - $1000
Monthly fee
$2.47
Regular funding time
3 to 5 business days
Express funding time
20 minutes
Express funding fee
$0.99 - $4
Main features
Instant $1,000 advances, 5% savings wallet, Credit-builder card, AI budgeting, Up to 10% cash-back
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Table of contents
Top apps like Beem
The following apps are 3 category leading cash advance apps like Beem:
1. Brigit
Best for: Highest reviews and average score
4.8
725K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
Up to 3 business days
Express funding time
20 min
Express funding fee
$0.99–$3.99; free for Premium users
Main features
Interest-free cash advances, automatic overdraft protection, predictive balance alerts, budgeting insights, credit-builder loan
2. EarnIn
Best for: Highest cash advance amount
4.7
641K Reviews
Advance amount
Up to $750
Monthly membership fee
Free
Regular funding time
1–2 business days
Express funding time
Up to 30 min
Express funding fee
$2.99–$5.99 per transfer
Main features
On-demand wage advances, early paycheck deposit, real-time shift pay, automatic low-balance advance, goal-based savings
3. Chime SpotMe
Best for: Lowest monthly fees
4.8
2,169K Reviews
Advance amount
$20 - $200
Monthly membership fee
Free
Regular funding time
Instant
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft advance up to $200, adaptive limit, works on debit/credit cards, covers purchases and ATM
All apps like Beem
Here you'll find the full list of 10 apps like Beem ranked by Advance amount, Review score, or any other parameter that's most important to you:
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4.2
26K Reviews
Advance amount
$40 - $200
Monthly membership fee
Free
Regular funding time
Minutes
Express funding time
Minutes
Express funding fee
$0
Main features
Cash advances to $200, Buy now pay later shopping, Mobile plan financing, In-app bill management
4.7
606K Reviews
Advance amount
$10 - $400
Monthly membership fee
$8.00
Regular funding time
Timeframe for standard advances is unknown
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Cash advances, credit-builder line of credit, revolving credit, automatic savings, credit score monitoring
4.6
411K Reviews
Advance amount
$25 - $1,000
Monthly membership fee
Free
Regular funding time
2–3 business days
Express funding time
Within minutes
Express funding fee
$5.99–$14.99 to external account; free to Albert Cash account
Main features
Instant cash advances, early payday checking, automated savings, $1 investing, all-in-one budgeting
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