--- title: "Beem: Cash Advance & Banking - Reviews, Revenue and Downloads in United States | Apple App Store" description: "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 ADVANC" --- # Beem: Cash Advance & Banking — United States > Bank, Budget & Build Credit ![Beem App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/63/3b/29/633b2974-82ae-0d8a-ca42-dbbb2caeda6b/AppIcon-0-0-1x_U007emarketing-0-7-0-sRGB-85-220.png/434x0w.png) **Developer:** [Line Financial, Pbc](https://apptail.io/developer/line-financial-pbc-CDR) **Category:** Finance **Rating:** 4.2/5 (33,214 ratings) **Price:** Free **Bundle ID:** com.useline.line **Store:** Apple App Store **Country:** United States **Version:** 5.89.0 (released 2026-09-29) **Original Release:** 2020-08-24 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1525101476) **AppTail Page:** [https://apptail.io/app/beem-cash-advance-banking-uMH/united-states](https://apptail.io/app/beem-cash-advance-banking-uMH/united-states) ## Beem Description 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 Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/cf/9d/60/cf9d60a8-3c71-4e89-9786-9c38d2ee7b48/Screen_1.1.jpg/1290x2796.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f5/c6/1a/f5c61a30-892e-5312-6a41-2632a6dc8b76/Screen_1.2.jpg/1290x2796.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/58/64/9b/58649bc4-b1aa-1e68-456b-ed39d7fa3d91/Screen_1.3.jpg/1290x2796.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/49/13/4f/49134f40-34a3-61c2-5283-d8ba7b3210e8/Screen_1.4.jpg/1290x2796.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7f/23/b3/7f23b313-4098-c8f2-6d44-ddf431cd7db7/Screen_1.5.jpg/1290x2796.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e0/bd/20/e0bd205a-472e-898c-3cf4-23ed437b1d44/Screen_1.6.jpg/1290x2796.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a7/ba/87/a7ba8757-52d2-ecb0-c5f8-874186880694/Screen_1.7__U00281_U0029.jpg/1290x2796.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/23/9e/13/239e13fd-c968-bb6a-08a9-632c539c95db/Screen_1.8.jpg/1290x2796.png) - [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e0/9a/35/e09a35d8-b6e7-eeff-0765-a638877d639d/Screen_1.9.jpg/1290x2796.png) - [Screenshot 10](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/3f/e0/b3/3fe0b3bb-ab30-4241-107c-88a1c1568a36/Screen_1.10.jpg/1290x2796.png) ## Beem Rating Breakdown in United States - 5 stars: 24,838 (75%) - 4 stars: 2,000 (6%) - 3 stars: 925 (3%) - 2 stars: 558 (2%) - 1 stars: 4,893 (15%) ## Beem Reviews in United States ### *---- "If I could give a negative review I would" I ordered a gift card through them in 2023. Never received it and ever since they’ve been trying to charge me. Called customer support and never get through because the call “drops”. Got an actual person once who said two words and hung up on me. Worst experience I’ve ever had. DON’T DO IT! -- Hdhdystayhojpphiufyuvobo, 2025-01-01 ### *---- "SCAM" It’s a complete scam, beware. They refuse to close my account unless I pay them a bunch of fees even though my account has been inactive for a long time. -- Ashliegh M, 2025-01-01 ### *---- "Do not use" Do not use I would say the service was good but it wasn’t. I was in the process of creating an account everything was running smoothly. I get to the verification part of the app scanning my id and it times out. Upon retrying the app it says my account is deactivated , mind you I haven’t even fully made the account yet! Now I’m stuck in an endless loop of reactivating and deactivating my account. When I call support they weren’t any help it sounds like more of the help is outsourced internationally to help domestic customers or Who are statebound but they are no help. The knowledge they say to have and skills is non existent. After retelling the problem several times she continues reading from a script expressing my disappointment and how sorry they are but they aren’t even listening or trying to escalate or help. She said there is nothing she can do if it was on their side you will have to wait 90 days to try again and hope you can get help. So to anyone who doesn’t want problems now don’t even sign up so you don’t have to go through these problems as well when you need simple help or simple answers. Also I understand a lot of companies outsource their support but at this point they are just outsourcing to people who have no business helping people if they can’t fluidly understand and speak English to assist American customers and the like. -- Thetruthwashere, 2025-01-01 ### ***** "Great to have in case you need emergency cash!" I downloaded Beem with no real expectations, but it has been great to have in case you need emergency cash! A great way to get quick cash, especially with the holidays! -- K.J21, 2024-12-30 ### *---- "Fake" The cash advance feature has been “temporarily unavailable “ for 2 weeks. How exactly is that helpful? -- Liam709, 2024-12-29 ### *---- "Locks up when entering login code." Just awful. Cant even set up the app because it locks up when putting in phone verification code and just sit on a loading screen. -- simpsonp4991, 2024-12-28 ### *---- "False advertising" Says you can get $1000 but they want you to buy a subscription then it starts at $40 not $1000 -- Matt M, 2024-12-28 ### *---- "Be aware" The app took my dues out of my account and continue to tell me I owe them. Second they have take. Away live support they continue to have bad support and due shady things -- Brl234, 2024-12-27 ### *---- "Well…" I tried to sign up. Each time I put my name in it just sends me right back to the “log in / sign up” page… -- Bea B. 95, 2024-12-26 ### **--- "Cant borrow any money, have to make a new pin each time" The app says advances are in high demand and to go play a game or take a loan instead, and it also asks for my pin to unlock the app, I enter my pin and get to the Home Screen, and then im promptly signed out and asked to sign in again and great a new pin again each time. This app is not useful or helpful to me at all, your mileage may vary -- nunyafookinbidness, 2024-12-26 [View all Beem reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Beem Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | United States | Finance | #126 | ## Beem Discovered Keywords - cash advance - line - sofi - timeline days - no credit check loans app - petal credit card - apps like brigit - pockbox - klover instant cash advance - cash ## Apps Similar to Beem - [Vola: Cash Advance & Credit](https://apptail.io/app/vola-cash-advance-credit-uOm/united-states) - [Gerald - Cash Advance](https://apptail.io/app/gerald-cash-advance-sMH/united-states) - [Kora Money](https://apptail.io/app/kora-money-vMH/united-states) - [SoLo Funds: Lend & Borrow](https://apptail.io/app/solo-funds-lend-borrow-wMH/united-states) - [CashNetUSA](https://apptail.io/app/cashnetusa-CQH/united-states) - [Lenme: Borrowing and Lending](https://apptail.io/app/lenme-borrowing-and-lending-txL/united-states) - [FloatMe: Fast Cash Advance App](https://apptail.io/app/floatme-fast-cash-advance-app-bjO/united-states) - [OneBlinc Cash Advance](https://apptail.io/app/oneblinc-cash-advance-MUQ/united-states) - [Grant Cash Advance](https://apptail.io/app/grant-cash-advance-dyXo/united-states) - [Money App - Cash Advance](https://apptail.io/app/money-app-cash-advance-mlvp/united-states) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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