Cash Advance Apps
How much does Beem let you borrow?

How much does Beem let you borrow?

By Editorial Team
Last Updated: Jun 13, 2025

Beem offers cash advances up to $1,000 instantly through their Everdraft™ feature. You can borrow anywhere from $10 to $1,000, depending on your verified bank deposits and overall eligibility. The amount you're approved for is based on factors like your bank account history, recurring income, and maintaining a positive balance.

To qualify for higher amounts, you'll need a U.S.-based checking account with a few months of activity showing regular direct deposits. Beem doesn't require credit checks or charge interest, and there's no set due date. Repayments are automatically deducted from your linked bank account when funds are available, making it a flexible option for covering unexpected expenses.

Table of contents

Does Beem actually send you $1,000?How to get a bigger cash advance on Beem?

Does Beem actually send you $1,000?

Based on the user reviews we analyzed, it seems highly unlikely for the average customer to receive the $1,000 maximum cash advance advertised by Beem. Our data is drawn from reviews published up to May 2025, providing the latest insights into Beem’s current practices. The overwhelming consensus is that:

  • Forget about $1,000: most people don’t see anything close to a $1,000 advance from Beem.
  • Very low amounts: Many users report being approved for advances ranging from just $10 to $75, often even after months of timely repayments.

While some users appreciate the app for providing quick cash in small amounts when in a pinch, many express frustration over the inability to access higher advance amounts. If you're considering Beem for a substantial cash advance, you may need to adjust your expectations—according to most users, you're more likely to receive a much smaller sum.

App reviews talking about Loan Amounts:
"...offer the lowest cash advance I have EVER seen—by a WIDE margin..."
"Not very high amounts but still easy to use."
"...only get up to like $50..."

How to get a bigger cash advance on Beem?

Many Beem users have mentioned that their cash advance limits are quite low, often starting at $10 or $20. Even after repaying advances on time and using the app consistently, some users report difficulty in increasing the amount they can borrow.

To potentially get a bigger cash advance on Beem, maintaining a strong repayment history is key. Keeping your account in good standing and ensuring your bank information is up to date might improve your chances, though some users find that increases are slow or uncertain.

While Beem can help with small, immediate cash needs, if you're aiming for larger advance amounts, it may take time. Patience and consistent use might lead to higher limits, but exploring additional financial options could also be worthwhile.