Editor’s Note: Overdraft Apps provides detailed product reviews and recommendations based upon extensive research and our own hands-on testing. We may earn a referral fee when you sign up for or purchase products mentioned in this article.
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Updated August 2026.
Beem alternatives worth switching for
Looking for apps like Beem? Beem Everdraft uses paid plans from about $1.99/mo (Lite, $10 max) to $13.99/mo (Pro, up to $1,000). Instant fees are about $0.99-$4 on lower plans; Pro instant pricing is not publicly disclosed. If the tier ladder feels opaque or expensive for the cash you actually get, these alternatives are clearer.
Verdict: Keep Beem only if a higher Pro limit and bundled insurance perks justify the plan cost. For cash access with clearer fees, start with MoneyLion or EarnIn ($0 membership paths when you qualify), then Brigit or Tilt for tip-free subscriptions, Albert or Credit Genie for lighter Instant / Cash Boost paths, and FloatMe for small floats.
Key takeaways
- Beem: tiered membership (~$1.99-$13.99/mo) plus instant fees; marketed $1,000 usually needs Pro.
- One advance at a time until repaid; subscription also bundles insurance / loan access.
- $0 membership escapes: MoneyLion, EarnIn (if you qualify), Credit Genie basic, Albert Instant.
What $50 and $100 cost with Beem
Beem prices Everdraft by plan: about $1.99/mo Lite ($10 max, ~$0.99 instant), $3.99/mo Basic (up to $50, ~$4 instant), $6.99/mo Plus (up to $100, ~$4 instant), and $13.99/mo Pro (up to $1,000; Pro instant fee not publicly disclosed). A $50 Basic draw in a month you borrow once is roughly $7.99 ($3.99 membership + $4 instant) before any other fees. Marketed high limits usually need the costly Pro plan.
Apps like Beem at a glance
| App | Typical amount | Main fees | Overdraft Apps score | Best for | Next step |
|---|---|---|---|---|---|
| Beem |
Tiered; Lite $10 / Basic $50 / Plus $100 / Pro up to $1,000 | ~$2-$14/mo + express fee by plan | 5.6 | Tiered Everdraft plans (Lite to Pro) | – |
 MoneyLion |
Often starts ~$10-$50 | $0 membership + Turbo fee ~$2-$15 | 9.1 | $0 membership + banking/credit tools | Get MoneyLion |
 Brigit |
About $72 average; new users often ~$50-$150 | ~$8.99-$15.99/mo membership fee + optional express fee | 9.1 | Tip-free advance + low-balance alerts | Get Brigit |
 Albert |
Eligibility-based; few see $1,000 | $0 Instant; transfer fees vary | 8.6 | Savings and coaching around Instant | Get Albert |
 Tilt |
About $102 first-time; ~$171 returning | $8/mo membership fee + ~$1-$8 express fee | 9.5 | Tip-free subscription with clear express fees | Get Tilt |
 FloatMe |
First-time often ~$10-$50 | $4.99/mo membership fee + ~$1-$5 instant fee | 8.5 | Small, simple floats | Get FloatMe |
 Credit Genie |
First-time avg ~$68; repeats ~$94 | $0-$9.99 + optional instant fee | 7.9 | Cash Boost; Instant needs $9.99/mo path | Get Credit Genie |
 EarnIn |
New users often ~$85/day | $0 membership; Lightning Speed fee ~$3.99-$5.99 (+ optional tips) | 8.9 | Earned wages when you can verify hours | – |
Fee and rating data use the page update date shown above. The Overdraft Apps score is our comparison of cost, speed, access, app-store feedback, and public trust signals. On phones, this table stacks into cards and does not scroll sideways. Get buttons appear for partner apps only.
How to choose in 60 seconds
- Avoid Beem’s plan ladder: MoneyLion basic, EarnIn, Credit Genie basic, or Albert.
- Tip-free subscription: Brigit or Tilt; price one month against Beem Plus/Pro.
- Small bridge: FloatMe.
- Price Beem membership + instant against Turbo / Lightning Speed / express at $50 and $100.
Best apps like Beem (detailed)
Partner apps are listed first. Each section ends with a Get button when we have an affiliate relationship, or a link to our full review when we do not.
MoneyLion: $0 membership + banking/credit tools
Best for: People who want $0 membership and may use banking or credit tools too.
MoneyLion Instacash has a $0 required membership fee for basic advances, so you can keep the app available without paying each month. New offers often start around $10-$50 and can grow with deposit history. External-bank limits can reach $500; a higher path can reach $1,000 with RoarMoney and qualifying deposits. Same-day delivery uses a Turbo fee.
MoneyLion rates about 4.8 on the App Store and 4.6 on Google Play. Its Overdraft Apps score is 9.1. Ratings use the page update date shown above.
Better than Beem when: Choose MoneyLion when its fees, typical amount, or account setup beat Beem for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 required membership fee, so keeping the app ready costs nothing between advances
- Higher-limit path with RoarMoney and qualifying deposits
- Turbo fees vary by amount and tip prompts can add cost
- New limits can start small; highest limits need more setup
Brigit: Tip-free advance + low-balance alerts
Best for: People who want tip-free Instant Cash and low-balance alerts every month.
Brigit’s public average advance is about $72, and new users often fall around $50-$150 even though it markets up to $500. Meaningful advance access usually uses the Plus membership fee (about $8.99/month), plus an optional express fee of roughly $0.99-$3.99. Brigit does not ask for tips.
Brigit rates about 4.8 on the App Store and 4.8 on Google Play. Its Overdraft Apps score is 9.1. Ratings use the page update date shown above.
Better than Beem when: Choose Brigit when its fees, typical amount, or account setup beat Beem for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- Tip-free Instant Cash with proactive balance alerts
- Free repayment extensions and no work-hour tracking
- Plus membership fee can be expensive for occasional advances
- Express fee adds cost; past FTC marketing settlement is a trust flag
Albert: Savings and coaching around Instant
Best for: People who want savings automation and coaching, not only a cash button.
Albert Instant sits inside a broader savings and coaching app. Instant does not require an Albert subscription in current disclosures, so you can keep Instant available without a monthly membership fee (Genius and other paid tools are separate). Albert markets advances from $25 to $1,000, but few customers qualify for the top. The important number is the transfer fee on your quote.
Albert rates about 4.6 on the App Store and 4.5 on Google Play. Its Overdraft Apps score is 8.6. Ratings use the page update date shown above.
Better than Beem when: Choose Albert when its fees, typical amount, or account setup beat Beem for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- No required Instant membership fee in current disclosures
- Broader money tools around the advance
- Transfer fees do not have a simple public schedule
- The $1,000 maximum is not a typical offer
Tilt: Tip-free subscription with clear express fees
Best for: People who want a tip-free subscription and clearer express-fee ranges.
Tilt, formerly Empower, markets up to $400. Publicly disclosed typical amounts are about $102 for first-time users and $171 for returning users. After a 14-day trial, the membership fee is about $8/month, and the express fee generally runs about $1-$8 by amount. Not available in CT, ME, or D.C.
Tilt rates about 4.8 on the App Store and 4.7 on Google Play. Its Overdraft Apps score is 9.5. Ratings use the page update date shown above.
Better than Beem when: Choose Tilt when its fees, typical amount, or account setup beat Beem for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- Published express-fee range, tip-free flow, and 14-day trial
- Typical first-time amount is publicly disclosed
- $8 membership fee after trial plus an express fee for speed
- Not available in CT, ME, or D.C.; $400 max trails some competitors
FloatMe: Small, simple floats
Best for: People who need a small bridge and prefer a simple float app.
FloatMe is built for smaller shortfalls. First-time floats often land around $10-$50 before higher amounts unlock (up to about $100 for existing members). After a short trial, the membership fee is about $4.99/month, plus an instant fee by size when you need speed.
FloatMe rates about 4.8 on the App Store and 4.5 on Google Play. Its Overdraft Apps score is 8.5. Ratings use the page update date shown above.
Better than Beem when: Choose FloatMe when its fees, typical amount, or account setup beat Beem for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- Simple UX for small floats
- Lower monthly membership fee than many Plus plans
- Low early caps; not ideal for $200+ bills
- You pay the membership fee whether you float or not after trial
Credit Genie: Cash Boost; Instant needs $9.99/mo path
Best for: People who want Cash Boost and will compare membership for Instant delivery.
Credit Genie Cash Boost markets up to $150, with first-time averages near $68 and repeat averages near $94 (as of late 2025 disclosures). Basic Cash Boost has a $0 required membership fee with free standard ACH. Instant delivery (about 30 minutes) needs the $9.99/month paid membership path; any Instant fee is shown at checkout.
Credit Genie rates about 4.8 on the App Store and 4 on Google Play. Its Overdraft Apps score is 7.9. Ratings use the page update date shown above.
Better than Beem when: Choose Credit Genie when its fees, typical amount, or account setup beat Beem for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 membership for basic Cash Boost with free standard delivery
- Simple Cash Boost product focus
- Lower max ($150) than many alternatives
- Instant usually needs the $9.99/month paid membership path
EarnIn: Earned wages when you can verify hours
Best for: People who can prove earned wages and hours and want $0 membership.
EarnIn Cash Out is an earned-wage product with a $0 membership fee, so keeping it installed costs nothing. Most same-day users pay a Lightning Speed fee ($3.99 at or under $75, or $5.99 above). New users often start near $85/day. Tips are optional. Not available in Connecticut.
EarnIn rates about 4.7 on the App Store and 4.7 on Google Play. Its Overdraft Apps score is 8.9. Ratings use the page update date shown above.
Better than Beem when: Choose EarnIn when its fees, typical amount, or account setup beat Beem for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 membership fee; keep the app ready at no monthly cost
- Flat Lightning Speed fee that often undercuts percentage stacks
- Needs work/hour verification; daily caps apply
- Not in CT; tip prompts remain
How EarnIn eligibility works
EarnIn is not a normal bank-history cash advance. It is built around wages you already earned but have not been paid yet. Your available Cash Out is tied to that earned pay, not only to what sits in your checking account.
To qualify, you usually need a linked bank account with pay deposits, plus a way for EarnIn to confirm your work. That can mean connecting a work email, using timesheets, or turning on location / hour-tracking tools so EarnIn can see hours you worked. If you cannot track or submit hours in a way EarnIn accepts, the product often will not work for you at all.
Works well for: people with steady payroll or gig work who can prove hours and are fine checking in with EarnIn’s work tools. Poor fit: anyone who cannot verify hours, Connecticut residents (not available in CT), and people who only want a simple bank-link advance with no work tracking.
Bottom line
Beem wins only when Pro-tier limits and bundled benefits beat a simpler cash app. MoneyLion and EarnIn usually win on mandatory fees when you qualify. Brigit and Tilt fit tip-free monthly tools. Credit Genie and Albert fit lighter Instant / Cash Boost paths without Beem’s full tier stack.
Still unsure which app fits?
Filter the cash advance directory by fees, limits, speed, and account requirements.
FAQ: apps like Beem
What apps are most like Beem?
MoneyLion, Brigit, Albert, Tilt, FloatMe, Credit Genie, and EarnIn are the closest cash-advance substitutes. MoneyLion and EarnIn usually win on mandatory fees when you qualify.
Why is Beem’s Overdraft Apps score low?
Beem scores poorly on day-one cost and trust: marketed high limits usually need the costly Pro plan, and the Pro express fee is not publicly disclosed. Confirm the live quote for your plan before you subscribe.
Is Beem free to use?
No. Every Everdraft plan has a monthly membership fee. Instant delivery adds a fee on Lite/Basic/Plus; Pro instant pricing is not publicly disclosed.
How much does a $50 or $100 advance cost with Beem?
Beem prices Everdraft by plan: about $1.99/mo Lite ($10 max, ~$0.99 instant), $3.99/mo Basic (up to $50, ~$4 instant), $6.99/mo Plus (up to $100, ~$4 instant), and $13.99/mo Pro (up to $1,000; Pro instant fee not publicly disclosed). A $50 Basic draw in a month you borrow once is roughly $7.99 ($3.99 membership + $4 instant) before any other fees. Marketed high limits usually need the costly Pro plan.
Related comparisons
- Borrow $200 From Cash App: How to Get Two Hundred Bucks With No Credit Check - July 21, 2026
- How to Borrow $50 Instantly (2026): Best Cash Advance Apps - March 31, 2026
- Borrow $50 Instantly in Canada (2026): Best Cash Advance Apps - August 5, 2025
