12月2日的Beem: Cash Advance & Banking应用程序分析

Beem is the #1 cash advance and banking app trusted by 3 million+ Americans. Get instant cash advances up to $1,000, build credit automatically on every purchase, and use AI-powered banking tools—all in one app. INSTANT CASH ADVANCES UP TO $1,000 Need a cash advance now? Beem's Everdraft gives you instant cash advances up to $1,000 in minutes. Our cash advance limits are higher than Dave cash advance ($500), Earnin cash advance ($750), or Brigit cash advance ($250). Beem cash advances help when you need emergency cash for bills, rent, groceries, or unexpected expenses. Unlike payday loan apps or high-interest cash advance lenders, we charge zero interest on cash advances. AUTOMATIC CREDIT BUILDING (BETTER THAN CHIME, SELF, KIKOFF) The only banking app with automatic credit building on every purchase. Your Beem Companion Card reports to all three major credit bureaus monthly—Experian, Equifax, and TransUnion. Unlike Chime Credit Builder that requires a separate secured card, Self that makes you wait for your money, or Kikoff with tiny $500 limits—Beem builds your credit automatically with every swipe of your banking card. AI-POWERED BANKING WITH 4 SMART AGENTS Beyond cash advances and credit building, Beem's AI banking agents work 24/7: JobsGPT - AI-powered job finder discovers gigs and full-time work matching your skills, helps you apply, and tracks all opportunities DealsGPT - AI shopping assistant finds verified discounts and cash-back offers before you buy anything, saving hundreds monthly PriceGPT - AI price comparison tool automatically compares prices on receipts and products so you never overpay again BudgetGPT - AI budget tracker monitors spending, flags financial issues, and suggests personalized money-saving strategies BEEM VS OTHER CASH ADVANCE AND BANKING APPS Beem vs Dave: Higher cash advance limits ($1,000 vs $500), automatic credit building feature Beem vs Chime banking: Cash advances included, automatic credit building (not separate card) Beem vs Earnin: Higher cash advance amounts, credit building, full banking features Beem vs Cleo: 4x more cash advance ($1,000 vs $250), specialized AI agents Beem vs Albert banking: Automatic credit building, higher cash advance limits, better AI Beem vs Brigit: 4x cash advance limits, more comprehensive banking platform Beem vs MoneyLion: Lower fees, automatic credit building, better user experience Beem vs Self credit builder: Instant credit building (no waiting), banking, cash advances Beem vs Kikoff: Higher credit limits, banking features, cash advances ELIGIBILITY FOR BEEM BANKING & CASH ADVANCES U.S. resident, age 18 or older Valid Social Security Number or ITIN Beem is not affiliated with Dave, Earnin, MoneyLion, Brigit, Klover, Chime, Varo, Cash App, Venmo, PayPal, Albert, Cleo, Self, Kikoff, Credit Karma, Rocket Money, FloatMe, Grant, DailyPay, Zayzoon, Gerald, Clair, Instant, or other cash advance apps, credit builder apps, or mobile banking apps. Disclaimers: Beem is not affiliated with or representative of any government entity. Tax filing is powered by April, an IRS-certified provider. Visit irs.gov for official IRS information. Everdraft availability depends on Beem’s T&Cs and eligibility criteria, including cash flow and income verification. No repayment period or APR applies. Beem also displays personal loan offers from third-party advertisers (APR 0.50%–35.99%, terms 4 months–20 years). Rates, terms, and fees (e.g., origination or late fees) are set by lenders and may change. Loan approval and terms depend on the lender’s review. Example: A $10,000 loan at 17.59% APR (13.94% interest + 5% origination fee) over 36 months results in $9,500 disbursed, $341.48 monthly payment, and $12,293.46 total repayment.