Phat Beach stars Jermaine 'Huggy' Hopkins as Benny King, Brian Hooks as Durrel Jackson and Coolio as himself. The movie plays out during a sunny Southern California day.
The story begins with Benny, a high school student, working at a local burger joint. Only working to satisfy his successful father's desire that he not just play around all summer and to teach him a good work ethic. Benny can think of other ways he could be spending his summer. When Benny's old friend Durrel shows up; Benny needs no convincing to join him for some fun.
Benny decides to make use of his dad's Mercedes, as the rest of the family has left for vacation. Durrel and Benny head to the beach in the borrowed Mercedes on the pretext of making some money by selling cheap shades to the people at the beach.
It is not too surprising when Durrel and Benny end up forgetting their money making schemes and instead work hard to attract the hottest women with some hot beats.