All four Beem Cash Advance subscription tiers compared on every metric that matters — so you choose the right plan first time.
Prices current as of July 2026. All plans include access to Beem’s AI tools. No interest charged on any advance, on any plan.
| Feature | Lite | Basic | Plus ⭐ | Pro |
|---|---|---|---|---|
| Monthly Price | $0.99/mo | $2.47/mo | $5.97/mo | $12.97/mo |
| Annual Price | — | — | — | $99.99/yr |
| Max Cash Advance | ~$10 | ~$100 | ~$500 | $1,000 |
| Interest Rate | 0% | 0% | 0% | 0% |
| Instant Transfer | $3–$4 | $0.99–$1.56 | $1.99–$2.99 | $2.99–$4.00 |
| Standard Transfer | Free | Free | Free | Free |
| Credit Building (Companion Card) | Limited | Yes | Yes | Yes |
| AI Financial Tools | Basic | Full | Full | Full |
| Best For | First test | Occasional small | Most users | Max limit needed |
The Beem Lite plan is the lowest-cost entry point into the Beem Cash Advance ecosystem. At $0.99/month, it provides access to Everdraft™ with a maximum advance of approximately $10. This is too small for meaningful emergency cash needs, but it serves one important purpose: it allows you to verify that your bank account connects successfully and to begin building your Beem deposit history before upgrading.
Our recommendation: the Lite plan makes sense if you want to “try before you buy” without committing $2.47 or more per month. Spend 30–60 days on Lite building your account history, then upgrade to the tier that matches your actual advance needs.
The Basic plan unlocks advances up to approximately $100 at just $2.47/month — less than a large coffee per week. For users who need an occasional small cash infusion for fuel, groceries, or a co-pay, Basic provides meaningful value. The full suite of AI financial tools (BudgetGPT, DealsGPT, PriceGPT, JobsGPT) are accessible at this tier, making it genuinely useful beyond just the advance feature.
The Basic plan's instant transfer rates ($0.99–$1.56) are the lowest in the Beem lineup, making it the most cost-effective option if you consistently need same-day access to small advances.
The Plus plan is Beem Cash Advance’s most popular tier among active users, and for good reason. At $5.97/month, it provides access to approximately $500 in advances — enough to cover most common financial emergencies including rent shortfalls, car repairs, utility bills, and medical co-pays.
For a user who takes one $300 advance per month via standard transfer, the Plus plan costs $71.64/year total — versus $462+ for equivalent payday loan financing. The Plus plan's mid-tier instant transfer rates ($1.99–$2.99) represent a reasonable balance between speed and cost.
Our Recommendation: The Plus plan is the right choice for most Beem Cash Advance users who regularly need $100–$300 in advances. If you’re unsure which plan to start with, start here.
The Pro plan unlocks Beem Cash Advance’s full $1,000 advance limit — the highest available ceiling in the cash advance app market. At $12.97/month for monthly billing or $99.99/year (equivalent to $8.33/month) for annual, the Pro plan is appropriate for users who regularly need larger advances or want maximum access for high-cost emergencies.
The annual Pro plan saves $56.65 versus monthly billing — equivalent to more than four free months of coverage. For any user planning to maintain a Pro subscription for more than 9 months, the annual plan is mathematically superior.
Important note: The $1,000 limit is the plan ceiling, not the guaranteed starting amount. New Pro subscribers typically receive initial Everdraft™ offers of $50–$200, with limits increasing as Beem builds history with your account. Most Pro subscribers reach $500+ within 90 days and approach $1,000 within 6 months of consistent activity.
If you need occasional small advances ($10–$50): Start with Lite ($0.99/month) to build account history, then upgrade to Basic when ready.
If you need $100–$300 regularly: Basic ($2.47/month) provides enough access for most small emergencies at the lowest cost per dollar advanced.
⭐ Best for most users — if you need $300–$500 advances: Plus ($5.97/month) is the best balance of cost, advance limit, and features. Most active Beem users choose this tier.
If you need $500–$1,000 access: Pro ($12.97/month or $99.99/year) is the only plan that unlocks the full $1,000 Beem Cash Advance limit. Choose the annual plan if committing for 9+ months.
Yes. You can upgrade or downgrade your Beem Cash Advance subscription at any time through the Profile > Subscription section of the app. Upgrades take effect immediately, giving you instant access to the higher advance limit. Downgrades take effect at the start of your next billing cycle. There is no fee to change plans.
Upgrading your subscription tier immediately raises your plan's ceiling — so moving from Basic to Plus changes your maximum from ~$100 to ~$500. However, your actual eligible Everdraft™ advance amount depends on your account history, which Beem's algorithm evaluates independently of your tier. If your current eligible amount is $80, upgrading to Plus doesn't automatically make you eligible for $500 — but it does allow your limit to grow toward $500 as your account history strengthens.
Beem's standard policy does not guarantee prorated refunds for annual plan cancellations. Before purchasing the annual Pro plan, confirm the current refund policy in the Beem app or with Beem support, as policies may change. If you are uncertain about your long-term commitment, the monthly Pro plan at $12.97/month provides more flexibility while still offering access to the full $1,000 advance limit.
No. Beem's terms of service permit one account per person. Creating multiple accounts to access multiple advance limits violates Beem's user agreement and may result in account suspension. If you need a higher advance limit, upgrade to a higher subscription tier within your single account.