By Editorial Team
Last Updated: Jun 13, 2025
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Beem is a cash advance app that lets you access up to $1,000 instantly without charging interest or requiring credit checks. Instead, they offer monthly subscription plans ranging from $0.99 to $12.97, depending on how much you need.
To get a cash advance with Beem, you subscribe to a plan that suits your needs. For example, the Pro Plan at $12.97 per month allows you to access up to $1,000 for emergencies. Funds can be received instantly to your debit card for a small fee, or through methods like bank transfers or gift cards.
To be eligible, you need to be over 18, reside in the U.S., have a U.S.-based checking account with sufficient history and a positive balance, and have a recurring income evidenced by regular direct deposits. Beem claims over 1 million users and is based in San Francisco.
Yes, Beem gives cash advances of up to $1,000 if you're on their Pro plan, which costs $12.97 per month. Lower tiers like the Lite plan ($0.99/month) offer up to $10, and the Plus plan ($5.97/month) offers up to $100. There are no interest charges or set due dates—repayment is automatically deducted from your linked bank account when funds are available. Standard transfers to your bank account are free and take 3–5 business days, while instant transfers to your debit card cost up to $4 per transfer and get you the money in 1–20 minutes.
To qualify, you must meet the following criteria:
Beem will review your information to determine your eligibility and the maximum cash advance you can receive, which can be up to $1,000.
Besides the cash advances, Beem provides several other features that might help you manage your finances more effectively.
Beem allows you to send money to anyone in the U.S., even if they don't have the app or a bank account. You can transfer cash, checks, gift cards, and more via SMS, email, or social media platforms. With the "Send Money, Pay Later" feature, you can send money now and settle the payment later, giving you flexibility when you need it.
With Beem's Better Financial Feed™ (BFF), you get personalized financial insights based on your transactions. The app helps you track your spending, set savings goals, and manage your budget. You'll receive reminders about upcoming bills, low balances, and recommendations on how to save and spend wisely.
Beem offers free credit score monitoring, so you can keep an eye on your credit health. You'll get notifications when your score changes and personalized tips on how to improve it over time.
In the app's arcade feature, you can play games and earn cash rewards. Beem also provides access to exclusive deals and discounts on a variety of products and services. Plus, when you purchase gift cards from over 5,000 retailers through the app, you can get cashback.
Additionally, Beem offers access to personal loan offers, a high-yield savings account, affordable health solutions like telemedicine consultations, and car insurance options through its partners.