By Editorial Team
Last Updated: Aug 03, 2025
Read more
Advertiser disclosure
How does Beem cash advance work?
Last Updated: Aug 03, 2025
Beem runs on its Everdraft feature. After you download the app, you link your main bank account and pick a subscription tier: Lite ($0.99/mo, up to $10), Basic ($2.47/mo, up to $50), Plus ($5.97/mo, up to $100) or Pro ($12.97/mo, up to $1,000). The app reviews your recent deposits—not your credit report—to set your advance limit (minimum $5). When cash is tight, you tap the amount you want and choose standard ACH (free, 3-5 days) or pay the plan-specific instant transfer fee to land funds on your debit card in minutes. No interest, credit checks, tips or fixed due dates; Beem simply pulls the money back automatically once new deposits hit your account.
How to get a Beem cash advance: step-by-step
Download Beem on your phone and follow these steps:
- Create account: Sign up and link your bank account.
- Choose plan: Select a subscription plan (Plus or Pro) to access Everdraft™.
- Check eligibility: Navigate to Everdraft™ and tap "Check Now".
- Request amount: If eligible, choose an amount between $10 and $1,000.
- Receive funds: Submit your request and receive the money, often within minutes.
- Automatic repayment: Repayment is deducted on your next payday or selected date.
On this page
Table of contents
Advance amounts, fees and repayment terms
Advertised advance amounts
$5 - $1,000
Monthly fee
$0.99
Time to get cash
3 to 5 business days
Expedite fee
$0.99 - $4
Time to get cash with express fee
20 minutes
Advertised advance amounts
$5 - $1,000
Monthly fee
$0.99
Time to get cash
3 to 5 business days
Expedite fee
$0.99 - $4
Time to get cash with express fee
20 minutes
How long does Beem cash advance take?
You will typically get your cash advance in 3 to 5 business days with the free standard transfer.
If you need the money sooner, you can choose the instant transfer option, which gets you the funds in as little as 1 to 20 minutes. The fee for instant transfer depends on your subscription plan:
- LITE Plan: $0.99 or $1.56 per transfer
- BASIC Plan: $4.00 per transfer
- PLUS Plan: $4.00 per transfer
- PRO Plan: $2.00 per transfer
What do Beem users say about funding speed?
Out of hundreds of reviews published in May and June 2025 that we analyzed, we found 70+ recent comments mentioning funding speed. Here's what users say about it:
- Fast and easy: Over 60 users praise Beem's quick access to cash, often describing it as "instant", "fast", and "within minutes".
- Delays for some: Around 9 users report delays in receiving funds—some mention issues with account verification taking days or inability to access instant cash due to high demand.
Overall, most users are pleased with Beem's speedy funding, but a small number experience delays or difficulties when trying to get cash quickly.
More apps like Beem
Find the best option for your needs 👉
