Empower: Cash Advance & Credit

4.7
151K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Need extra cash to make it to your next paycheck? Empower’s got your back. Get $10 to $250 instantly.* Say goodbye to overdraft fees and stressing about money. No credit score or security deposit to qualify.


GET INSTANT CASH FROM $10 TO $250*
Tight on cash and tired of asking friends to cover you? Empower will float you anywhere from $10 to $250 when you need it most. Instant delivery available. No interest, no late fees, no credit checks. Just pay us back when you get your next paycheck.

Empower Cash Advance is NOT a personal loan:
— No mandatory minimum or maximum repayment timeframe
— No interest (0% APR)
— Example: If you accept a $50 instant Cash Advance to your external account for a $3 instant delivery fee, then your total repayment amount will be $53.

BUILD BETTER CREDIT HISTORY WITH THRIVE^
Credit score holding you back? Empower Thrive is the chance you’ve been waiting for. A flexible line of credit that helps you build the credit history you need to reach those big financial goals. All credit scores welcome and no money down.

— $250 initial credit limit
— Repay it your way
— Enjoy limit increases up to $1,000 over time**
— Build good credit history^

START SAVING FOR THE FUTURE WITH AUTOMATIC SAVINGS
Make investing in your future easier than ever with AutoSave. After you set your savings goal, Empower will monitor your income and spending habits to know when and how much you can afford to save. All you have to do is sit back and watch your savings grow.


KEEP TABS ON YOUR CREDIT SCORE
Watch your hard work pay off by monitoring your credit score. We’ll give you monthly score updates and helpful tips to improve your score. Credit scores are already complicated enough. Let us help you understand it.

GET FAST SERVICE
We’ve got our A team on standby to handle your questions over the phone or live chat Monday-Friday from 6 AM – 6 PM PT. (We’ve got email too if that’s more your jam.)


Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.

Empower offers a 14-day trial for first-time customers only. Once the trial concludes, Empower charges an auto-recurring $8/month subscription fee. If you do not wish to pay the subscription fee, you must cancel your subscription before the end of your trial. If you are a returning customer, you will be charged the $8 fee immediately upon resubscribing. Cancel any time by visiting “Billing” in the mobile app or contacting help@empower.me.

By downloading/using the app you agree to our Privacy Policy (https://empower.me/privacy).

* Not everyone will qualify for a Cash Advance offer. Offer amounts range from $10 - $250. As of 11/30/2023, the average offer amount is $140. Instant delivery is optional, and fees may apply. See Empower’s Terms for instant delivery fee amounts.


^ Empower Thrive provided by FinWise Bank, Member FDIC. The Empower Thrive line of credit is subject to credit approval. We report your payments to the credit bureaus. Failure to make on-time payments may result in negative reporting. Instant delivery is optional, and fees may apply.


**To be eligible for a credit limit increase, you must successfully pay at least your minimum payment by the due date.
Updated on
Mar 26, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 7 others
This app may collect these data types
Location, Personal info and 8 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.7
148K reviews
Danielle Burke
March 13, 2024
Awesome app!!! I'd definitely recommend it to anyone who needs cash now. Unlike some of the other cash advance apps, it works exact like it claims. Had no problems, literally opened the app, put in my info, linked my bank acct and debit card and had $$$ deposited into my acct in less than 5 minutes, plus the fee wasn't outrageous. I only needed $50, the instant transfer fee was only $3! If I would have been able to wait until tomorrow I wouldn't have had to pay a fee at all.
164 people found this review helpful
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Kenya Harvey
March 13, 2024
This app sucks big time. After paying back my advance, I wasn't able to get another. Had the wrong account connected, and now it won't let me delete it because of subscriptions. I worked well at first, and when reaching out to customer support, it's no help at all... Smh.. Shows outdated info..need I go on . The subscription fees are ridiculous. I don't even use mine or am able to get an advance. So they're basically getting my money free.. Scammmmm... Is what it is..
177 people found this review helpful
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Empower Finance
March 14, 2024
Hi, we're sorry to hear that and we would love to take a look at the issue. Please reach out to our customer support team at help@empower.me.
Karen Martin
March 14, 2024
Everything was super simple and straightforward, getting started with this app. I read very carefully and did screenshots, as I don't want any surprises later. They seem to offer some useful services, but my intent here is to alleviate a temporary bind. My reason for only 4 stars is because I need to see what the repayment experience will be like. If that goes as stipulated, I will gladly update and add that last star!
116 people found this review helpful
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Empower Finance
March 19, 2024
Thank you for your feedback. Please feel free to reach out to us at help@empower.me with any questions or concerns about the repayment. We can also assist with the repayment via email.

What's new

Just a reminder that your financial status isn't forever. If you need our help we're just one tap away. PS. We updated the app to fix some bugs and things. Have a great day!