Cash Advance Apps

Is Beem app legit?

Last Updated: Aug 03, 2025

Beem is a legit cash advance app developed by Line Financial, PBC, a Public Benefit Corporation based in San Francisco, California. The company claims to be trusted by over 1 million Americans. While Beem is legitimate, it's important to note that between April and June 2025, several official complaints were filed against them regarding unfair billing practices and difficulties in canceling subscriptions. Users reported ongoing charges and obstacles in closing their accounts despite their requests. These issues suggest there may have been problems with Beem's billing and subscription cancellation processes during that period.

How reliable is Beem?

Hundreds of Beem reviews from recent months that we analyzed suggest users can rely on the app. Here’s what they have to say about it:

  • Lifesaver in a pinch: Many users describe Beem as a "lifesaver" that "comes in handy" when they need quick cash before payday, appreciating how it helps them out in emergencies.
  • Quick and reliable: Several people highlight the app's "quick and reliable" cash advances, noting that funds are delivered promptly when needed.
  • Easy to use: Users often mention how "easy to use" the app is, with straightforward navigation and a simple process for obtaining cash advances.
  • App bugs and issues: Some reviewers report experiencing app glitches, such as crashes, problems launching the app, or issues verifying their debit cards, which can be frustrating when trying to access funds.
  • Limited cash amounts: A few users wish the available cash advance amounts were higher, as they sometimes only have access to small amounts like $10 or $40.

Overall, the majority of users find Beem to be a dependable option for getting quick cash when unexpected expenses arise, valuing its convenience and assistance during tight financial situations.

How much can I get from Beem?

When it comes to how much you can get from Beem, user experiences suggest you might not see the advertised $1,000 maximum right off the bat. Here's what folks are saying:

  • Quick help in a pinch: Even though the amounts are small, many users appreciate that Beem provides instant cash when they need it most.
  • Possibility to increase: Some users mention that their cash advance amounts grew over time with consistent use and timely repayments.
  • Low starting amounts: A lot of users report only being able to access $10 to $50, which is far less than the $1,000 maximum.
  • Slow to raise limits: Many express frustration that their advance amounts stay low, even after using the app for a while and repaying on time.

If you're hoping for a hefty advance, you might need to be patient or consider that initial amounts could be modest.

App reviews talking about Loan Amounts:
"...offer the lowest cash advance I have EVER seen—by a WIDE margin..."
"Most I ever got was 25 bucks but I’ll say it is always hopeful..."
"...only gave $10 For cash advance. Other than that I don't mind it."

What users say?

Positive
1%
Negative
99%
Many users complain about Beem's advertising accuracy, highlighting a significant disconnect between what the app promises and what it delivers. A recurring theme is the app's claim to offer quick cash advances, which users find misleading as they often encounter waitlists or are told the service is unavailable due to high demand. Some users report being encouraged to subscribe for services with the promise of immediate cash, only to find out they are not eligible after subscribing. Others mention that the app's promotional materials suggest no income restrictions, yet they face issues linking accounts or meeting criteria. Overall, the sentiment is overwhelmingly negative, with users feeling deceived by what they perceive as false advertising.
App reviews talking about Advertising Accuracy:
"...quick cash is unavailable due to high demand? What is the point of offering quick cash if it's never available?..."
"...says you can get $1000 but they want you to buy a subscription then it starts at $40 not $1000..."
"...says “no income restrictions” but I linked multiple accounts with income and lots of transactions and it says to link an account with income..."

Scam reports

Even though Beem is a legitimate company, we found 50+ reviews published recently describing the service as scammy (out of hundreds we analyzed). About 40 explicitly call the service a “scam”, “fraud”, or “thieves”, while others mention unauthorized charges, inability to cancel subscriptions, and concerns about data misuse.

Several users worry about identity theft, and many say they never received the promised cash advances but still got charged fees.

The main theme is that people feel deceived or financially harmed, often pointing to unwanted subscriptions, surprise charges, and poor customer service.

App reviews talking about Scam:
"...they try to hold you hostage under their system..."
"...as soon as I allowed this app to have permission into a bank account I received a notification to change my password immediately..."
"...they will let subscription fees build up and give you no options to cancel..."