Tilt (formerly Empower)

Tilt Finance

About this app

Tilt is a better way to access money — helping more people get cash and credit by looking at real-time income and spending, not just credit scores, to see their potential.

Find your match: Tilt Cash Advance, Line of Credit, and Credit Cards are designed to recognize your readiness for cash and credit today and even higher limits tomorrow.
— 5M+ customers
— $1B+ extended
— 450K+ ★★★★★ reviews

UP TO $400 DEPOSITED TO YOUR BANK ACCOUNT*
Tilt Cash Advance
— $10–$400 instantly
Instant delivery is optional. Fees may apply.
— No credit checks to qualify
— No interest or late fees

FOR FLEXIBLE SPENDING AND CREDIT BUILDING1
Tilt Credit Cards are issued by WebBank
— No credit score or security deposit required
— Earn cash back rewards (Terms apply)
— Automatic consideration for limit increases (Terms apply)

UP TO $1,000 AVAILABLE WHEN YOU NEED IT‡
Tilt Line of Credit provided by FinWise Bank
— Start with $200–$400, grow with on-time payments^
— All credit scores welcome
— Flexible repayment plans to keep you in control

KEEP TABS ON YOUR CREDIT SCORE
— Credit Score Monitoring
— Check up on your score in the app
— Get tips for better building

BUILD YOUR SAVINGS HANDS-FREE
Automatic Savings†
— Set your savings goal by week or pay period
— Tilt AI will move aside money as your budget allows

Your data, secured: Tilt protects your information with bank-level encryption. Your login details are never stored, and we only use regulated providers trusted by major financial institutions.

Here when you need us: Connect with Tilt Support at [e-mail] 8 am–6 pm ET M–F, message our chatbot anytime in the app, or browse our FAQs on tilt.com for quick solutions. You’ve got questions. We’ve got you.

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Not affiliated with Empower Annuity Insurance Company of America (www.empower.com).

Tilt is a financial technology company, not a bank.

Tilt offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.

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

*Not everyone will qualify. Offers range from $10-$400 and can go up with on-time payments. In June 2025, the average offer was $100 for first-time customers; $174 for all others. Instant delivery is optional-see fees in Tilt's Terms.

1Subject to credit approval. We report your payments to the credit bureaus. Failure to make on-time payments may result in negative reporting.

‡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.

^Eligibility requirements apply. Not everyone will qualify for a credit limit increase. If you fail to pay at least your minimum payment by the due date you will not be considered for a credit limit increase and your credit limit may be decreased.

†If you sign up for Automatic Savings, you are required to open a deposit account in your name through nbkc bank, Member FDIC. Any balances you hold with nbkc bank, including but not limited to those balances held in Tilt accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. Tilt is not FDIC-insured. FDIC insurance only covers the failure of an insured bank.


Tilt Finance, Inc.
9169 W State St #499
Garden City, ID 83714

Ratings and reviews

During the change from Empower to Tilt, the app immediately pulled back a payment after an advance. Needing the advance, I did another draw, even though that meant paying for the draw again. Found out that the payment for the draw was not credited, even though they reset the draw amount available, and now I have double payments due at the end of the month. AND THERE IS NO OPTION FOR CUSTOMER SUPPORT CONTACT ON THE APP/WEBSITE.

Been a really big help when needing that extra flow of cash at the end of the month. no hidden fees and they do what they say they will do. consistent every time when I've needed the cash. thanks empower. UPDATED: Since they have switched to Tilt, it has gotten to be the worst in user friendly than anything I have ever seen. the app lacks any kind of support if anything goes wrong. Using the autosave feature can't withdraw anything out. Change numbers, kiss your access goodbye. app sucks now.

I thought this app was great until I realized that I'm being double billed for the subscription fees every month, plus the budget feature has never worked and misclassified transactions. I was using auto save until $10 transfer just vanished. 🧐😡🤬. I HOPE FOR A REIMBURSEMENT. These apps seem to have a lot of this type of thing. At $8.00 a piece x 2 per month. I need to review my bank statements to see how long this has been going on. I been using this App for several years.

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!