Get up to $1,000 cash advances + save on gas via gift cards. Build credit automatically. No interest, no credit checks. AI-powered. Join 5M+ users!
Beem is the #1 cash advance and banking app with automatic credit building. Get instant cash advances up to $1,000, build credit on every purchase, and let AI optimize your money.
INSTANT CASH ADVANCES UP TO $1,000
Get cash when you need it with Everdraft™. Access up to $1,000 of your verified incoming deposits in minutes. No interest, no credit checks, no due dates.
Free standard transfer or instant delivery
No payday loan fees or interest charges
No credit impact on your score
Get money in 5 minutes or less
BUILD CREDIT AUTOMATICALLY
The only banking app that builds your credit on EVERY purchase. Your Beem Companion Card reports positive payment history to all three major credit bureaus monthly.
* No credit check to start
* Reports to Experian, Equifax, TransUnion
* Automatic monthly reporting
* Build credit while you spend
AI AGENTS THAT WORK 24/7
Beem's AI agents maximize every dollar:
JobsGPT - Finds gigs and full-time jobs matching your skills
DealsGPT - Surfaces verified discounts before you shop anywhere
PriceGPT - Compares prices automatically on receipts and products
BudgetGPT - Tracks bills, flags overspending & suggests money-saving strategies
COMPLETE BANKING PLATFORM
* Direct deposit arrives up to 2 days early
* FDIC insurance up to $250,000 (via partner bank)
* Send money free to anyone (no Beem account required)
* Earn cashback on gas, groceries, dining, shopping
* Debit card with no monthly fees
* Mobile check deposit from anywhere
COMPREHENSIVE PROTECTION
* Job Loss Protection: Get up to $1,000 when employment changes
* Beem Health: 24/7 virtual doctor, pharmacy savings, dental, vision, counseling
* Wysh Life Benefit: Coverage for loved ones (Plus/Pro members)
* Beem TotalCare: Save on device protection (AKKO), mindfulness (Headspace), fitness (FitOn Pro), password security (Dashlane)
TRUSTED BY 3 MILLION+ USERS
Over $100 million in cash advances disbursed
$300 million in total payments processed
$500 million in debt traps prevented
Average user credit score improvement: 67 points
BETTER THAN THE COMPETITION
vs Dave: Higher cash advance limits ($1,000 vs $500) + automatic credit building
vs Chime: Cash advances + automatic credit building (no separate card)
vs Cleo: More cash ($1,000 vs $250) + 4 specialized AI agents
vs Albert: Automatic credit building + higher cash limits
vs Brigit: 4x higher cash limits + AI optimization tools
vs MoneyLion: Lower fees + automatic credit building
SECURITY & TRUST
24/7 fraud monitoring with real-time alerts
Bank-level encryption protecting all transactions
Instant card locks and customizable privacy settings
Biometric authentication (fingerprint, face ID)
HOW IT WORKS
1. Download Beem banking app
2. Create account and verify identity
3. Open FDIC-insured checking account
4. Connect direct deposit for cash advances
5. Get your Beem Companion Card
6. Build credit automatically with every purchase
7. Request cash advances up to $1,000 when needed
8. Let AI agents optimize your money
ELIGIBILITY
U.S. resident, age 18 or older
Valid Social Security Number or ITIN
Active checking account
Regular income (for higher cash advance amounts)
FEES & TERMS
No monthly account fees
No overdraft fees
No minimum balance required
Free standard transfers (1-3 business days)
Optional instant transfer fee for immediate cash
Subscription plans available for premium features
DISCLOSURES
Cash Advances: Everdraft™ gives access to verified incoming deposits. Optional expedited delivery fees apply.
Credit Building: Beem reports to major credit bureaus when applicable. Credit score impact varies by individual history.
Banking Services: Provided by partner bank, Member FDIC. See terms for details.
Beem is not affiliated with Dave, Earnin, MoneyLion, Brigit, Klover, Chime, Varo, Cash App, Venmo, PayPal, Albert, Cleo, Self, Kikoff, Credit Karma, Rocket Money, or other personal finance apps.
Download Beem: instant cash advance, automatic credit building, AI-powered banking, all in one app.
Beem it’s one of the best apps to have I use so far they are descriptive different avenues, where they will help you the better you are substantial life goals you can add all types of debit cards to link it with been. I like how honest they are about what I need to do with your goals and what you have finished with your goals gives you option to either pay for it for a subscription or get on for free. Can’t complain like that. I can only see greater things coming. I feel like the trustworthy people trying to figure out the goals that finances help you with taxes, and I want to do better with find better jobs. I believe people I know involved with this out will be good. I am now it’s been the words to the people that are ready to situations or can use an app that’s free which is awesome. People should know more about this out because it’s very on the radar but it might be good thing. . You can bring your channels together in one mobile app by integrating platforms such as Yammer, Chatter, and SharePoint. The app is designed to engage your mobile employees and offers tailored content and task experiences to match the objectives of your team, department, or location You can also supercharge employee campaigns with seamless user-generated content and use the app’s analytics suite to see detailed information on how your employees are using Beem and measure engagement and the social reach of your employees.
Developer Response
Thank you so much for your enthusiastic review of Beem! We're thrilled to hear that you find the app helpful in achieving your life goals and managing your finances. Our aim is to provide a transparent and user-friendly platform that empowers individuals like yourself to take control of their financial futures.We're constantly striving to improve and innovate, so it's encouraging to hear that you see even greater things on the horizon for Beem. We're dedicated to being a trustworthy partner in helping you navigate your financial journey, whether it's managing taxes, finding better job opportunities, or simply reaching your savings goals.Your feedback is invaluable to us, and we're grateful for your support in spreading the word about Beem. We're committed to continuing to provide a top-notch experience for our users, and we're excited to have you along for the ride.
Best
bruno k007
In my short time being associated with this amazing app I have been saved on 2 missed payment that would have shot my credit score. This app helped me borrow money in a strenuous time where I almost wouldn't have made a payment. It was a fairly easy process but I don't think a matter such as that should be done with ease anyways. But the app made it doable and understanding to the customers needs which is such a relieving thing to feel when you are stressed in that sort of predicament. I would recommend this app to so many people and actually anyone struggling financially or in a bind to pay you bills. This app will direct you and guide you in the right direction to make sure you can manage what you have to provide for. Once you download this app and interface with the features and start to understand It I can guarantee that you to will feel the satisfaction what I felt. I once again just want to thank everyone that has made this app such a promising result to the people it serves and making life easier for the common person. At the end of the day we all need help sometimes and it is nice to be able to rely on something as quick and efficient as this app. I will never feel any other way because how could you.Thank you for taking the time to read this review and I can't wait for you and whoever else may try this app to find out the greatness that does await for you!
Developer Response
Dear User, Thank you for your feedback! We are happy that you are enjoying our app and service. Please look out for exciting new features we will introduce in our upcoming app updates. So glad that you loved our app! You made our day! We would appreciate your spreading the good word amongst your friends.
This app has pulled me out of so many binds!
team CourtNate and Anna Banana
I appreciate this app because there are moments where my account will be drained dry by all of the expenses piling up. One of the biggest expenses we had involved the fact that my mom was dying and I had to spend money to get her to and from dialysis, had to purchase food, had to keep our utilities paid, and anything else that might pop up. There was a time where I planned to budget in a new pair of shoes for my daughter (she’s 5 and growing like a weed) only to look at my bank account and see that there was nothing there. But thanks to line, I was able to withdraw about $40 and order some new shoes for my kid! There was another time where my husband wanted to come home and just relax after a long night of working and he had forgotten to grab food on the way home. We had already used money to pay for gas to fill up the car, and the only thing he thought to pick up was cleaning supplies and sponge bath supplies for my mom. We weren’t at a point of an overdraft, but we only had $15 left in our account and wanted food. Once again, line had saved the day because I was able to withdraw enough to order some food for us and nobody had to go back out! This app really truly just makes sense when you’re in a bind.
Developer Response
Dear Anna, Thank you for your lovely review! We are happy that you are enjoying our app and services. We were able to help you when you are in a need of funds. You made our day! We would appreciate it if you could spread the good word amongst your friends. Please look out for exciting new features that we will be introducing in our upcoming app updates. Thank you.
Thank you
thtboibigmqm
I appreciate this app because there are moments where my account will be drained dry by all of the expenses piling up. One of the biggest expenses we had involved the fact that my mom was dying and I had to spend money to get her to and from dialysis, had to purchase food, had to keep our utilities paid, and anything else that might pop up. There was a time where I planned to budget in a new pair of shoes for my daughter (she's 5 and growing like a weed) only to look at my bank account and see that there was nothing there. But thanks to line, I was able to withdraw about $40 and order some new shoes for my kid!There was another time where my husband wanted to come home and just relax after a long night of working and he had forgotten to grab food on the way home.We had already used money to pay for gas to fill up the car, and the only thing he thought to pick up was cleaning supplies and sponge bath supplies for my mom. We weren't at a point of an overdraft, but we only had $15 left in our account and wanted food. Once again, line had saved the day because I was able to withdraw enough to order some food for us and nobody had to go back out! This app really truly just makes sense when you're in a bind.
Developer Response
Thank you for sharing your heartfelt experience with us. We're deeply sorry to hear about the challenges you've faced, and we're grateful that Line has been able to provide some relief during such difficult times. It's stories like yours that motivate us to continue improving and providing support to our users when they need it most.
Beem
Linking your bank account is now smoother with clearer error messaging when there's a delay, so you're never left guessing. Verified users are now correctly directed to the home screen without any detours. We've also improved the in-app ratings experience and made it easier to share your Beem review on Trustpilot. Plus the usual stability and reliability improvements throughout.
Clearer guidance. Smoother banking. Better experience.
Withdrawal and cancellation flows are now clearer and more guided. Fixed deeplink issues so tapping links always works. Life insurance now accessible from quick links, plus stability fixes throughout.
Version 5.63.0
The developer, Line Financial, Pbc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Contact Info
Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
Location
Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Identifiers
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
