Empower: Advance & Credit

Empower Finance

About this app

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

GET AN INSTANT ADVANCE OF $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.

An Advance is NOT a personal loan:
— No mandatory minimum or maximum repayment timeframe
— No interest (0% APR)
— Example: If you accept a $50 instant 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.

— Start with a $200, $250, or $400 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. We’ll give you monthly score updates and helpful tips to improve your score. Credit scores are complicated enough. We’ll 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 [e-mail].

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

* Not everyone will qualify for an Advance. Offer amounts range from $10 - $250. As of 3/31/2024, the average offer amount is $145. 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. Subject to credit approval. Initial credit limit amounts range from $200 to $400. 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.

Ratings and reviews

I've had numerous issues requesting and receiving advances through the Empower mobile app. The issues I've had always involve the actual funds transfers. I have banked at the same institution for over 6 years and I only have 1 debit card for that account, but every time I would request a transfer, I would receive an error message stating that the debit card was NOT associated with that account. But props to the support team for working their magic behind the scene and fixing the issues.

Very easy to set up, I linked my bank account that I have direct deposit with. The system verified that I have regular income and approved me for 75$ the first time. And they only charged me a 4 dollar fee for repayment and give you a free trial during the first request. And they do charge a monthly fee of 14.99 the next time. But It's worth it for emergencies

This is a great app, I totally recommend it. But if you put more than one accounts attached, to send an advance to, it acts like it can't tell you have 2 separate accounts. I prefer advances to go to one bank account, but because it's an account I transfer money to instead of pay checks, empower won't let me use that account. I'd give the app 5 stars if it weren't for that but I don't think the devs strive for 5 stars anyways. Which is ok too. Great app!

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!