Cash Advance Apps
What is Beem cash advance?

What is Beem cash advance?

By Editorial Team
Last Updated: Nov 13, 2025

Beem’s Everdraft cash advance lets you unlock $5 to $1,000 of your next verified deposit before payday. Money can land in minutes when you pay an express fee (about $0.99–$4) or arrive in one to three business days by free ACH. There’s no interest, tips, credit check, fixed due date or late fee—repayment simply comes out of whatever funds actually hit your linked checking account.

The amount you can tap depends on your membership tier: Basic (around $100 cap), Plus (around $500 cap) and Pro (up to $1,000). Plans start at $2.47 a month; each tier also adds perks such as credit monitoring and job-loss or disability protection. To qualify you’ll need to be 18+, live in the U.S., connect a checking account that shows steady deposits and pass Beem’s cash-flow review—your credit score isn’t part of the decision.

Does Beem give cash advances?

Yes, Beem gives cash advances through its Everdraft feature. You can grab $10–$1,000 (exact cap depends on the plan—Basic from $2.47 / mo unlocks advances, Plus bumps the ceiling to roughly $100, and Pro takes it up to about $1,000). No interest, tips, credit checks or late fees apply, and there’s no fixed due date—Beem simply collects repayment automatically when new cash hits your linked bank account. Standard ACH delivery is free and arrives in about 3–5 business days, while instant transfer to a debit card or Beem wallet shows up in roughly 20 minutes for $0.99–$4. Limits can grow with on-time repayment, and higher tiers include job-loss or disability protection on your advance.

Table of contents

Does Beem give cash advances?Advance amounts, fees and repayment termsBeem cash advance requirementsOther features

Advance amounts, fees and repayment terms

Advertised advance amounts
$5 - $1000
Monthly fee
$2.47
Time to get cash
3 to 5 business days
Expedite fee
$0.99 - $4
Time to get cash with express fee
20 minutes

Beem cash advance requirements

Beem checks just a few basics before it unlocks Everdraft cash:

  1. Age & location: You’re 18+ and living in the U.S. or its territories
  2. Linked account: Connect a checking account that’s active and already getting recurring deposits
  3. Income proof: Show a steady flow of pay—regular job, gig work or self-employment all count
  4. Healthy cash flow: Keep that account in good standing (few overdrafts, reasonable spending); Beem reviews this instead of running a credit check

Other features

If you only came for quick cash, you’ll still notice plenty of add-ons swirling around the Everdraft advance button.

FDIC-insured wallet & payments

Beem lets you park up to $250,000, get direct deposits up to two days early and move money by ACH or wire. You can also send, request or split cash instantly—recipients don’t need the app or even a bank. A “Send Money, Pay Later” toggle fronts the transfer now and settles it automatically from your next deposit. Any leftover cash can slide into a savings pocket that’s currently paying up to 5 % APY.

Credit building tools

The Beem Companion Card is a fee-free Mastercard that reports every purchase or ATM withdrawal to Experian, Equifax and TransUnion, so each swipe can help nudge your credit file. You’ll see your credit score inside the app, with monitoring and change alerts baked in.

Budgeting, deals and rewards

An AI feed tracks bills, flags overspending and digs up ways to save: JOBSGPT surfaces side gigs, DEALSGPT finds discounts before you buy and PRICEGPT checks if you’re overpaying. On the fun side, cash-back offers reach up to 10 % on everyday spending, 3 % back on gas and extra earnings from in-app games or discounted gift cards. A built-in tax center, loan and insurance marketplaces and a stack of financial calculators round out the extras.

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