Latest Version
4.3.301
May 23, 2025
Line - A Public Benefit Corporation
Finance
Android
0
Free
com.useline.line
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More About Beem: Better than Cash Advance
The Everdraft™ feature of the Beem app serves as a modern alternative to traditional cash advance services, allowing users in the US to access early withdrawals of their verified bank deposits ranging from $10 to $1,000. There are no credit checks, interest charges, income restrictions, or due dates associated with this service. Users are notified of applicable fees, which can vary between $0 and $4, depending on their chosen method of fund access, and are able to select how they want to receive their funds, such as into their Beem balance, a gift or prepaid card, a debit card (with express fees for instant transfer), or directly into a bank account within 2-3 days.
In addition to early deposit withdrawals, Beem offers various financial management and money transfer features. Users can file their federal and state taxes through the app to maximize refunds, handling different filing situations such as single or joint returns, W2s, or 1099s. The app also provides ways to earn cash through playing games and offers options to unlock more money with cash boosts. Moreover, users can send and receive money without fees, including from those without bank accounts or the Beem app itself. Gift cards, Visa, and Mastercard prepaid cards are also supported, allowing funds to be received or used at retail stores, giving flexibility in how money is accessed and spent.
The Beem app emphasizes security and privacy, advertising itself as a safe and trusted platform with 24/7 customer support available through chat, call, or email. It employs bank-level security measures to protect user data. The application is exclusively available in the US and developed by Line Financial - A PBC. If users have had difficulties obtaining instant cash advances from other apps like MoneyLion, Dave, or Chime, Beem positions itself as a supportive alternative, providing access to verified deposits without interest or credit checks. Users can also explore personal loans from third-party lenders, with rates potentially ranging from 0.50% to 35.99% APR, depending on the lender’s terms, which are subject to change.
It is important to note that Beem is not affiliated with any government entity, and tax filing services are facilitated through a third-party provider called April, which is IRS certified. The availability of Everdraft and other financial products is subject to certain qualifications and T&C, including cash flow and income verification. The app also offers payday-like personal loans from third-party lenders, which come with specific terms and fees, and approval depends on individual eligibility. The example provided demonstrates how a typical personal loan might be structured, including interest rates, fees, and monthly payments, helping users understand potential borrowing costs and repayment obligations.
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