Cash Advance Apps
How does Beem cash advance work?

How does Beem cash advance work?

By Editorial Team
Last Updated: Jun 13, 2025

Beem is a cash advance app that lets you access up to $1,000 before your next paycheck. You simply download the app, create an account, and choose a subscription plan that suits you (up to $12.97 per month). After linking your bank account, you can use Beem's Everdraft™ feature to request the cash you need. There are no interest charges, credit checks, or strict repayment dates—you repay when you can. It's a flexible way to get funds without the hassle of traditional payday loans.

How to get a Beem cash advance: step-by-step

Download Beem on your phone and follow these steps:

  1. Sign up: Create your account in the Beem app.
  2. Select plan: Choose a subscription plan (Plus or Pro) to access Everdraft™.
  3. Link bank: Connect your bank account and debit card.
  4. Eligibility check: Tap "Check Now" in Everdraft™ to see if you qualify.
  5. Request amount: Choose the cash amount you need, up to $1,000.
  6. Delivery method: Decide how to receive the funds (fees may apply).
  7. Confirm request: Submit your cash advance request.
  8. Receive funds: Get the money instantly in your account.
  9. Repayment: Beem deducts repayment automatically on your next payday.

Table of contents

How to get a Beem cash advance: step-by-stepAdvance amounts, fees and repayment termsHow long does Beem cash advance take?What do Beem users say about funding speed?

Advance amounts, fees and repayment terms

Advance amounts
$5 - $1,000
Monthly fee
$0.99
Time to get cash
3–5 business days
Expedite fee
$0-$4 per transfer, depending on method chosen
Time to get cash with express fee
1–20 minutes

How long does Beem cash advance take?

With the free standard transfer, you'll receive your cash advance in 3 to 5 business days.

If you need funds faster, you can opt for an instant transfer to your debit card, which delivers the money in as little as 1 to 20 minutes. The instant transfer fees depend on your subscription plan:

  • Lite Plan: $0.99 or $1.56 per transfer
  • Basic and Plus Plans: $4.00 per transfer
  • Pro Plan: $2.00 per transfer

Alternatively, when available, you can choose instant transfers to gift cards or prepaid VISA or Mastercard at no additional cost.

What do Beem users say about funding speed?

Out of hundreds of reviews published in April and May 2025 that we analyzed, we found 80+ recent comments mentioning funding speed. Here’s what users say about it:

  • Instant Cash: Many users praise Beem for providing quick or instant cash advances, often receiving funds within minutes when they needed it most.
  • Easy and Convenient: Several users highlight the simplicity and ease of accessing funds through the app, describing the process as straightforward and hassle-free.
  • Verification Delays: Some users report issues with the verification process causing delays in receiving their funds, which affected the speed of access.
  • Waitlist Issues: A few users express frustration about being placed on a waitlist, preventing them from getting cash advances when they needed them urgently.

Overall, most Beem users appreciate the fast and easy access to cash, though some experience delays due to verification or waitlist problems.