By Editorial Team
Last Updated: Aug 03, 2025
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What is Beem cash advance?
Last Updated: Aug 03, 2025
Beem is a cash advance app from Line Financial, PBC. Its Everdraft feature lets you tap $5 to $1,000 of your verified deposits early with no interest, credit checks, income requirements, due dates, or tips.
Access comes through a subscription: LITE is 99¢ a month (limit $10), BASIC is $2.47 (limit $50), PLUS is $5.97 (limit $100), and PRO is $12.97 (limit $1,000). Standard ACH delivery is free and takes three-to-five business days, while instant transfers run 99¢ to $4 per advance—except on the PRO plan, where the instant fee is $2. Repayment happens automatically when the deposit that backed your advance lands.
You must be at least 18, live in the U.S., link a bank account, and clear Beem’s algorithmic cash-flow review. The service is headquartered in San Francisco and reports having over one million users.
Does Beem give cash advances?
Yes, Beem offers cash advances of up to $1,000 through their Everdraft™ feature. The amount you can access depends on your subscription plan, which ranges from $0.99 to $12.97 per month. There are no interest charges or strict repayment terms—you repay the advance when your deposits arrive. Standard delivery is free and takes 3 to 5 business days, but for a fee of $0.99 to $4 (depending on your plan), you can get the money within 1 to 20 minutes.
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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
Beem cash advance requirements
Some of the Beem cash advance requirements include:
- Age: Be at least 18 years old
- Residency: Reside in the United States or its territories
- Bank Account: Have a bank account
- Assessment: Undergo an assessment by Beem's proprietary algorithm based on financial factors
- Income Requirements: No income restrictions apply
- Credit Checks: No credit checks are required Beem will then decide if you’re eligible and determine the maximum cash advance they can offer you, ranging from $5 to $1,000.
Other features
Besides cash advances, Beem offers several other features that can help you manage your finances and save on everyday expenses.
Instant Money Transfers
With Beem, you can send money instantly to anyone in the U.S., even if they don't have the app. You can transfer cash, checks, gift cards, and more, and recipients can access the funds via bank transfer, debit card, gift card, or prepaid card. It's free to add and send money, and you can use SMS, email, or social media platforms to make transfers.
Budgeting and Credit Monitoring
Beem provides tools to help you track your spending and manage your finances. Through their Better Financial Feed™, you get daily insights and personalized recommendations based on your transactions. You can create budgets, set savings goals, and get alerts to avoid overdrafts or remind you of upcoming bills. The app also allows you to monitor your credit score for free, notifying you of any changes and offering tools to help you improve your credit health.
Deals and Discounts
Beem offers cashback on purchases and when you buy gift cards from over 2,500 retailers. You can also access exclusive deals and discounts from over 5,000 retailers, including top brands, helping you save money on everyday purchases.
Health and Insurance Benefits
Beyond financial tools, Beem provides health benefits like 24/7 telemedicine consultations for you and your family. You can access discounted services on vision, dental, mental health counseling, and more. With Beem Drive, you can compare car insurance quotes from providers like Progressive and GEICO, potentially saving up to 40% with exclusive offers.
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