How does Beem cash advance work?

Download Beem and follow these steps:

1. Sign up: Install the app and open it to create your account with basic personal and job info.
2. Link bank: Connect the checking or payroll account where you get paid so Beem can review deposits and spending.
3. Choose plan: Subscribe to Everdraft Plus or Pro to unlock cash-advance access.
4. Check availability: Tap “Check Now” in the Everdraft section; Beem analyzes your recent activity.
5. View limit: See your eligible advance, up to about $1,000.
6. Pick amount: Enter the sum you need and select delivery—standard (3-5 business days, free) or instant (≈20 min, up to $4).
7. Confirm: Review details and tap withdraw; no credit check, interest or tips.
8. Receive funds: Money lands in your bank, and Beem automatically deducts repayment as new deposits arrive.

Need it now or can it wait? Beem lets you choose:

• Free ACH: money lands in your bank in about 3–5 business days.
• Instant: cash shows up in your Beem wallet or on a linked debit card in roughly 20 minutes for 99¢–$4 (annual Basic members pay just 99¢–$1.56 for advances of $20 or less and $4 for bigger pulls; everyone else sees $1–$4).

No interest, tips or hidden costs—just the flat rush fee if you want it fast.

Out of 100-plus Beem reviews from September–November 2025 that we sifted through, roughly three-quarters mention funding speed. Here’s the gist:

• Instant cash: Most reviewers say money shows up in minutes—handy for gas, groceries, or last-minute bills.
• Verification drag: Some wait days or even weeks for debit-card or bank checks to clear, turning “instant” into a long hold-up.
• Waitlist glitches: Several get stuck on a “high-demand” waitlist or hit errors where fees post but funds never land.
• Early payback: A handful complain that Beem auto-debited repayment within a couple of days, not on the stated payday.