Empower: Cash Advance & Credit

Empower will meet you where you are. Struggling to make it to payday? Cash Advance from $10 to $250 instantly* to the rescue. Ready to build good credit history^ on your terms? Get the Thrive line of credit and repay it your way. No hard credit pulls, no money down, no minimum credit score to qualify. Stop stressing about money and start living. 


GET CASH ADVANCE FROM $10 TO $250 INSTANTLY*
Tight on cash and tired of asking friends to cover you? Empower will float you up 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.

— Automated repayment with your next paycheck, typically between 1 day and 3 weeks
— 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 THE THRIVE LINE OF CREDIT^
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. 

— 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. Set your savings goal, and Empower monitors your income and spending habits to detect exactly when and how much you can afford to save and transfers the money automatically. Just sit back and watch your savings grow. 

KEEP TABS ON YOUR CREDIT SCORE
Build your credit and watch your hard work pay off. Get monthly updates on your score and helpful tips to improve it. Credit scores are complicated – we’ll help you understand them. 

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.)

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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 [email protected].

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 and are based on Empower’s eligibility requirements. 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. Subject to credit approval. Initial credit limit amounts range from $200 to $400. If you apply for a Thrive line of credit, we perform a soft inquiry on your credit report, which does not impact your credit score. We report your payments to the credit bureaus. Failure to make on-time payments may result in negative reporting. To be eligible for a credit limit increase, you must successfully pay at least your minimum payment by the due date. Instant delivery is optional, and fees may apply. Empower offers a 14-day trial for new customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.

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