Access up to $1,000 at
just $12.97/mo
Withdraw cash instantly starting from 99¢*, get up to $500 if you lose your job, slash personal loan rates, save as much as 40% on insurance premiums & more.
+1
Level up with Beem Pro
Unlock $1,000
for emergencies
Get cash instantly1 - no credit checks, no interest, no income restrictions.
Transfer instantly1
for just 99¢-$1.56
Withdraw up to $1,000 instantly to your debit card starting at just 99¢ with annual plan.
Get up to $1000
for loss of income
Claim up to $1000 maximum coverage in case of unexpected job loss or disability.
Lower interest on
personal loans
Find the best personal loan offers for you. Compare and reduce interest rates by up to 30%.
Save up to 40% on
car insurance
Up to 40% off on auto insurance premiums. Compare quotes & switch plans easily.
Identity Theft
Protection
Protect yourself against identity theft with up to $1 Million in insurance.
Save $56 with
Pro Annual Plan!
Unlock more bang for your buck. Switch to the annual plan and get year-round savings at just $99.99!
Start Beeming Today
No surprises, just transparent and simple pricing. Easily compare plans, then choose the one just right for you
What is Beem Pro?
Beem Pro is the most comprehensive subscription plan offered on the Beem app. It provides access to instant emergency cash (up to $1,000 with Everdraft™), up to $1,000 protection in case of job loss or disability, lower interest rates on personal loans, affordable car and health insurance options, advanced financial management tools, tax filing assistance, and identity theft protection.
Who is Beem Pro for?
Beem Pro is ideal for individuals seeking complete financial control and security. It's suitable for those who need a larger emergency cash buffer, want significant savings on loans and insurance, and desire powerful tools to manage their finances effectively.
Up to $1,000 Emergency Cash.
All Year for $49.99!
Withdraw up to $1,000 instantly to your debit card at one low fee starting from just $0.99. Pay back and use it again. All year round!
What can I do with Beem Pro?
With Beem Pro, you can access emergency cash up to $1,000, withdraw funds instantly at a low fee, get protection against job loss and disability up to $1,000, secure lower interest rates on personal loans, save on car insurance, find health insurance plans, grow your savings with high-yield accounts, file your taxes with ease, send and receive money without fees, monitor your credit score, and protect yourself against identity theft.
Is Beem Pro safe and secure?
Beem takes security and privacy seriously. We use bank-level security protocols to protect your financial data. Additionally, we never sell your information to third parties. We only collect the data necessary to provide you with the best budgeting experience.
More ways to #Beem
In case you are curious
- Know Loan Types: Understand various personal loan types.
- Assess Finances: Evaluate your financial needs and create a budget.
- Research Lenders: Explore different lenders and compare terms.
- Check Credit Score: Review your credit score to gauge eligibility.
- Gather Documents: Collect the required documents for the application.
- Fill Application: Provide accurate details on the application form.
- Compare Offers: Carefully analyze loan offers and terms.
- Approval & Disbursement: Review and sign the agreement if approved.
- Plan Repayments: Create a repayment strategy and manage finances.
- Build Credit History: Timely repayments contribute to a positive credit history.
- Full Name
- Date of Birth
- Social Security Number or National ID
- Contact Information (Address, Phone Number, Email)
- Annual Income
- Employment Details (Employer's Name, Address, Phone Number)
- Other Sources of Income (if applicable)
- Monthly Expenses (Rent/Mortgage, Utilities, Loans, etc.)
- Credit Score
- Any Outstanding Debts (Credit Cards, Loans, etc.)
- Bank Account Information (Account Number, Bank Name, Routing Number)
- Loan Amount Requested
- Purpose of the Loan (Debt Consolidation, Home Improvement, etc.)
- Preferred Loan Term (Duration)
- Co-signer Information (if applicable)
- Proof of Identity (Driver's License, Passport, etc.)
- Proof of Residence (Utility Bill, Rental Agreement, etc.)
- Proof of Income (Pay Stubs, Tax Returns, Bank Statements)
- Employment Verification (Employment Letter, Recent Pay Stubs)
- Social Security Number or National ID
- References (Personal or Professional)
- Collateral Information (if secured loan)
- Previous Loan History (if applicable)
- Review Agreement: Examine the loan agreement and understand the terms.
- Sign Agreement: Sign the agreement electronically or on paper.
- Verification: The lender might verify your information once more.
- Loan Disbursement: Funds are deposited into your provided account.
- Confirmation: Receive notification of fund deposit.
- Repayment Starts: Follow the agreed repayment schedule.
- Automatic Payments: Set up auto deductions if possible.
- Manage Loan: Monitor payments and remaining balance.
- Early Repayment: Some loans allow paying off early without fees.
- Versatile for various needs.
- No collateral required.
- Fixed interest rates and payments.
- Predictable repayment timeline.
- Can improve credit score with responsible use.
- Higher interest rates.
- Potential for increased debt.
- Possible origination fees.
- Missed payments affect credit scores.
- Risk of overborrowing.
- Consolidating high-interest debt.
- Covering emergencies.
- Diversifying credit mix.
- Avoid unnecessary purchases.
- Be wary of high-interest loans.
- Consider a stable financial situation.
How Do I Apply for a Personal Loan?
Applying for a personal loan involves a step-by-step process to secure funds for various needs.
Here are the steps:
What Information Do I Need to Provide to Apply For a Personal Loan?
You must provide correct information when applying for a personal loan to ensure a smooth process. Here's a list of the information typically required:
Personal Information:
Financial Information:
Credit Information:
Loan Details:
Documentation:
Other Relevant Information:
What is The Closing Process for a Personal Loan?
The closing process for a personal loan is the final step in securing the loan after your application has been approved. It involves a series of actions and agreements to finalize the loan terms and disburse the funds. Here's an overview of the closing process for a personal loan:
Stay organized, manage payments, and communicate with the lender if needed. The closing process is crucial to manage well as a borrower. If you need financial assistance to make payments, try the Beem app. Get $10 - $1,000 instant cash without credit, zero interest, no income restrictions, and no due dates.
Are Personal Loans Bad?
Personal loans are not inherently "bad," but like any financial product, they have advantages and potential drawbacks. Whether a personal loan is good or bad depends on your financial situation, needs, and how responsibly you manage the loan. Here's a balanced perspective on personal loans:
Advantages:
Drawbacks:
Beneficial Use:
Caution Needed:
How to Get a Personal Loan with Bad Credit?
Getting a personal loan with bad credit may require extra effort and consideration, but it's possible with the right approach. Understanding your options, improving your creditworthiness over time, and exploring alternative lenders can increase your chances of getting a personal loan that meets your needs.
Remember that responsible borrowing is essential to your financial well-being. Make loan payments on time, avoid taking on more debt than necessary, and continue improving your credit score. By taking these steps, you can use a personal loan as a tool to achieve your financial goals and move toward a more secure financial future. If you need financial assistance to make payments, try the Beem app. Get $10 - $1,000 instant cash without credit, zero interest, no income restrictions, and no due dates.