Beem: Cash Advance & Banking Beem is a U.S. based fintech app that helps people manage everyday money and get short-term financial support.What Beem does (high level):Instant Cash (Everdraft™): Lets eligible users access small cash advances for emergencies, with no interest and no credit check (per Beem’s product positioning).Banking-style money account (AI Wallet): A place to manage money in one app, with tools and alerts to help you track spending and stay on top of bills.Send Money Online: Lets users send money to others digitally.Credit building (Beem Card / credit builder): Helps build credit history by reporting eligible activity to credit bureaus (how and when it reports depends on program terms).Extra financial services: Access to comparisons/quotes for things like personal loans and insurance through partners, plus savings tools like DealsGPT, PriceGPT, BudgetGPT, JobsGPT, etc.Important note: Beem is a financial technology company, not a bank. Banking services are provided by partner banks (like Cross River Bank in Beem’s disclosures), depending on the product. Everdraft Get Instant Cash Advance Learn more Build Credit Score Grow your credit faster. Monthly reporting to bureaus with credit score tracking and actionable insights. Learn more Send Money Online Send money online for free. Even those without a bank account! Learn more Get Personal Loan Find the best personal loan offers and save up to 40% on interest rates. Learn more Beem Direct Deposit Set up direct deposit with Beem to insure your funds up to $250k. Learn more Job Loss and Disability Insurance Help keep your finances stable with extra protection against loss of income from unforeseen circumstances. Learn more Car Insurance Get personalized car insurance quotes from industry leading insurance providers. Compare rates in one place. Learn more Health Insurance Choose from the variety of flexible plans, so you can find perfect coverage that fits your lifestyle and budget. Learn more Life Insurance Secure your family’s future with Beem Life Benefit. No underwriting, no complex terms. Learn more Play Games & Earn Cash Hit milestones on a range of games & earn real cash as rewards. Transfer instantly. Learn more Deals GPT From food and shopping to travel and subscriptions, Deals GPT finds real discounts. Learn more Price GPT Upload a bill or scan a product to compare prices, track drops, and set reminders—all inside your chat. Learn more Budget GPT Budget GPT analyzes your transactions and turns them into simple insights, smart alerts, and easy actions. Learn more Jobs GPT Part-time, local, or remote, Jobs GPT surfaces openings that fit your schedule and skills, with tips to help you apply. Learn more BEEM core offerings include: Instant Cash (Everdraft™): Get instant access to cash with no interest or credit checks, helping you cover short-term expenses when you need it the most. Beem Card:A credit-building debit card that helps users grow their credit score. It reports to credit bureaus to help you build a strong financial foundation. AI Wallet: An all-in-one money management solution that uses artificial intelligence to optimize your savings, spending, and financial decisions. It also unlocks Beem's benefits like Instant Cash and more. BudgetGPT: A smart budgeting assistant powered by AI that helps you track your spending, set goals, and save more with personalized suggestions. JobsGPT: A career assistant designed to help you search for jobs, enhance your resume, and land better opportunities. It provides tailored job recommendations and tools to boost your career. PriceGPT: A price tracking tool that helps you save on everyday purchases by monitoring prices and alerting you to the best deals. DealsGPT: A deals platform that curates the best discounts and offers, helping you save on your favorite brands and services. Beem Health: Access health and medical discounts, including a range of subscription plans for essential health services like doctor visits, prescriptions, and preventative care. Beem Pass: A subscription service that offers exclusive discounts, benefits, and deals to help you save more on essential products and services. At Beem, we are dedicated to helping individuals take control of their finances, whether it’s for emergency funds, building credit, or managing everyday expenses. With no interest, no fees, and no credit checks, Beem makes it easy for you to achieve financial security and success. Join the Beem community today and experience financial freedom with our suite of tools designed to support your journey. Important Links Email: [email protected] Contact Number: +1 (323) 641-4224 Address- 353 Sacramento St, San Francisco, CA 94111 © 2026 Line Financial PBC. All rights reserved. Beem is a financial technology company, not a bank. Banking services are provided by Cross River Bank in collaboration with our partner Upward Financial Inc - a technology services provider and the program manager/administrator of the Beem Card. Lines of credit and deposit account are provided by Cross River Bank. Line of credit is not a deposit product. You will be able to use the deposit account as a multi-purpose account to make inbound and outbound transactions. Beem Card is a co-branded credit card associated with a line of credit established in the customer’s name. Beem Card may be utilized at any merchant or retailer that accepts Mastercard cards. It will carry a credit limit corresponding to the limit on the customer’s line of credit. Beem Card is designed to help build positive credit history. Positive history may be reported to credit bureaus including Experian®, and/or Equifax® by our partner Upward Financial Inc. in accordance with their terms & conditions. We do not have any control over this reporting on your credit scores generated by the credit bureaus. Early Access to your Verified Bank Deposits with “Everdraft™” Beem offers Everdraft™ as part of its personal financial management suite of services. You can get access to amounts (called Everdraft™ ) between $5 to $1,000 to help cover any emergency expenses. This has no fee associated with it, no credit scores or FICO credit checks are performed to deliver this service, using this service will not impact your credit, there is no interest associated with this service, there are no late fees for this service, there are no finance charges to use this service and there is no due date when you use this service which means funds delivered as part of this service are not due on Pay Day and being unable to settle the funds automatically on or before PayDay does not result in any fees or issues. We reserve the right to Everdraft™ amounts and our eligibility criteria at any time. You are not required to make voluntary payments referred to as 'Tips' or 'Donations' in appreciation of the service provided. ©️ 2020 - 2025 Beem Financial, Inc. All rights reserved.
Written by the business, not verified by us.Beem (trybeem.com) has a 4.4 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 84% of reviews are 4 stars or higher and 8% are 1 star; The business has replied to 100% of negative reviews. Last updated 2026-08-12.
Thank you so much for your kind words and for taking the time to share your experience! We’re truly happy to know that you felt supported whenever you needed us. Your trust and positive feedback mean a lot to our team. We’ll always be here to help whenever you need us!
If there was a way to give negative stars I definitely would. Bar far the worst service I have ever used. Told me I needed to wait for my debit card to be verified and could take up to 24 hours. The reason being they needed to make sure I was the owner of the account. Which I could understand if they didn’t instantly debit my card for there membership fee. They obviously didn’t care who owned the account then . 36 hours later they tell me I need to send them a PDF of my bank statement showing the membership fee was drawn from my Chase account . They have the money , they know where it came from . But now , all of the sudden , there are security measures they have to take to make sure the account is valid to send me money. It wasn’t thousands or even hundreds. It was $50 which after they charged you $3.99 you are really only getting $46.01 . There is a cost for the help , not a problem . But if you go through all that for $50 you must be in a situation of urgency. 2 or 3 days later you still have to prove who you are. Sounds like a scam operation to me. Now reading they had fake reviews. Not Surprised at all . Horrible experience .
We’re sorry to hear that your experience did not meet your expectations, and we understand your concerns regarding the verification process and membership charge. We take account security and verification seriously, but we also recognize the importance of making these steps clear and timely for our customers. We’d like to review what happened in your specific case, including the verification request and charges applied. Please contact our support team at [email protected] with your account details so we can investigate and assist you further.
Multiple errors in the app.. but the worst part is they charge you every month from a bank account that they claim you need to re attach to be able to borrow, in other words they say they don't have your bank account while they take money from it.. and if you cancel it gives you an error that says you need to update the app, while no updates are available, and if you reach out to customer service they give you links that you can't access ... I pray to God the right people see this and shut this scam down .. you can't borrow, can't cancel ,, only get charged... Forget that if you do manage to borrow it will take it back at a random time, while the app says it's only when you receive money . Nope . Just a completely random time... DONT USE THIS APP
We’re sorry that your experience did not meet the level of service we aim to provide. The concerns you’ve mentioned regarding the app, account information, charges, and cancellation process are important to us. We would like to look into your account and review these matters in detail. Please reach out to our support team at [email protected] so we can help address your concerns.
Well this app does exactly what I need it to do and without any problems I love it thanks beem for being there when I’m broke lol I highly recommend using this app
We appreciate your thoughtful review! It's wonderful to hear Beem has been a reliable resource when you've needed a little extra help. Thank you for your trust and for recommending us!
Beem came in handy when I needed quick cash for gas before payday. I recommend using this app.Keep up with repayment and the rewards come in each time. Thanks Beem
Thank you for choosing Beem! We're glad we could help when you needed quick cash before payday. We appreciate your positive feedback and are happy to hear you've had a rewarding experience. Thanks for being part of the Beem community!
Great in an emergence when I do instant its right there when I need it the most. I recommend beem to everyone I no.
Thank you for your feedback. We are glad to know that Beem has been there for you during emergencies and that you receive your funds instantly when you need them most. We truly appreciate your recommendation, trust, and support and are always here to provide reliable financial assistance whenever you need it.
IF I COULD GIVE THEM A 1/4 OF A STAR I WOULD!! THEIR APP SUCKS!! 6 TIMES THIS MONTH I HAD TO RELINK MY BANK ACCOUNT!! AN DEBIT CARD YEA THATS ON HOLD FOR GOD KNOWS HOW LONG!! BEEN WITH THEM FOR YEARS.. NEVER HAD A PROBLEM!! NOW THERE THE WORST OF THE WORST MONEY GRABS!!!
Thank you for sharing your feedback, and we're truly sorry to hear about your experience. We understand how frustrating it is to repeatedly relink your bank account and deal with delays in debit card verification, especially after using Beem without issues for years. This is not the experience we want for our users. Please contact our support team so we can review your account, investigate these issues, and work toward resolving them as quickly as possible.
Beem is my go to app for financial assistance. Super easy and convenient to navigate. Love this app!
We truly appreciate your kind words! Knowing that Beem is your go-to app and that you love using it means so much to us. Thank you for being part of the Beem community!
This great app, it gets us by
Awesome! 🎉 Thanks for the fantastic review. We're thrilled you're enjoying the app, and we can't wait to bring you even more great features!
Great at first... now I'm checking things out. Give them a try
Thanks for taking the time to leave a review! We're pleased to hear you've had a positive start with Beem. We'll continue working hard to earn your trust as you explore everything the app has to offer.
Beem is the best app ever! Help me out with an emergency fund when I need it!
Thank you for your fantastic feedback! We're delighted Beem could provide the help you needed at the right time. Your encouragement inspires us to keep delivering a great experience.
This app always malfunctions. Getting help is little to no avail. Don't trust this app at all. They want you to leave a positive review to get $160 which is pure bull crap.
We're sorry to hear about your experience. Beem never asks users to leave a positive review to access any feature. Reviews are based on each user's experience. Please update to app version 5.74.3 and try again, as it includes performance improvements. If the issue continues, contact [email protected].
We're grateful for your kind words! It's wonderful to know Beem has been able to help you. Thank you for being a valued member of our community.
We truly appreciate your feedback! It's great to hear that you love the app and find it easy to use. Thanks for choosing Beem!
Everything was made easy to get advance and Beem really came through.
We're so grateful for your review! It's wonderful to know you had a smooth experience and that Beem was able to help. Thank you for being a valued member of our community.
I love using beem helps me out when I need extra funds
We're so grateful for your review! Knowing that Beem has been helpful during those moments when you need additional funds is exactly why we do what we do. Thank you for choosing Beem!
This company has gotten me through many hardships. It has helped me out in many tight spots when my bank was overdrafted.
We sincerely appreciate you sharing your story. It's rewarding to know Beem has made a positive difference during times when you needed extra support. Thank you for being a valued member of our community.
Always enjoy Beem and appreciate them for how that can help you at the right time. Thank you.
We truly appreciate your kind words! It's great to know you've had a positive experience with Beem and that we've been able to provide support at the right time. Thank you for being a valued member of our community.
Thank you for sharing your experience! We’re happy to hear Beem has been reliable when unexpected situations come up. We appreciate having you as part of the Beem community!
Great service , wonderful ppl
Thank you for sharing your experience! We're glad you found our service helpful and enjoyed interacting with our team. We appreciate your trust in Beem!
100 reviews matching
