Empower: Cash Advance & Credit 4+

Money, Savings, Credit Scores

Empower Finance

    • Free

iPhone Screenshots

Description

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.)



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 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. 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.

What’s New

Version 6.15.0

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!

Ratings and Reviews

4.8 out of 5
164.3K Ratings

164.3K Ratings

Thuglyfeouthere ,

Excellent Service

Just when I thought I was out of options and nothing was going to arrive in time…. Seriously I tried like 20 different things and they we not going to cut it…. Some not available at all, some available but with a wait that could have been many days, some 2 days, most were either 24 hours or until the next business days, some with one type of error, others with another, others needed me to watch 100 videos and sign up with 10 partners, and apply for a credit card, blah blah blah….. I was stuck on the side of the road in near 100 degree heat and having to walk a mile to a gas station and walk back because nothing would work…. And then I remembered Empower!!! And sure enough I got enough money to get my gas can filled up, and me back on the road to my job I was late to! Better later and frustrated…. Then Never and job lost, and whole life as I know it annihilated….. Empower really empowered me to have the power to climb back up from what seemed like a bottomless pit and be powering myself up back to the top of my game and…. If not better life but at least not significantly worse… so in a way it did Empower me to have a better life because there is a good chance without it… and this measly $10…. I would still have to power up to a better life and be doing much worse with $10,000s less in the long run….. Thank You Empower!! Please don’t stop saving lives with access to immediate simple $10 advances!!!!

Dakota Livingston. ,

GREAT APP

it’s not great at all but apple wouldn’t publish my review I guess because I was honest but I bank with chime so it’s only so many apps I can use empower was one of them the first issue came about when I couldn’t get an advance because they told me they didn’t see any direct deposits in my account which there was but the next pay I was able to get only a 10 dollar advance with a 875 dollar pay check….I got the free trial and had put for them to bill my chime account so I could continue to advance if I needed fast forward I had got my 10 dollar advance and I had it to put it on my empower card because I didn’t wanna pay a 3.00 fee for an instant transfer to my chime and soon as they gave me my 10 dollar advance they took it 8 dollars within the 10 mins and then support told me they took the 8 dollars for my subscription I told them I understand that but I didn’t tell you guys to take subscription money from my empower card I even told them I didn’t even set my empower card up or order one when I first got the free trial and choose chime as my bank I asked support to give me my 8 dollars back because how do u guys expect me to pay the 10 back when y’all took it and I couldn’t even use it they told me they weren’t giving me a refund and that they would cancel my subscription and not give me MY MONEY back horrible app don’t use it at all!

New Jack... ,

Excellent Way To See All Your Financial Info In One Place!

Excellent Way To See All Your Financial Info In One Place! I like that i can see every account and every transaction and even investments and credit score. Not to mention they offer their own debit card if you want to keep money woth them or make a savings plan.

TO THE DEVELOPERS: Great work guys… I’m giving 5 stars, but there is one very very important thing you guys should DEFINITELY add to your already great product… If you found a way to incorporate Crypto, you’d attract a bunch of new blood and money to your platform. We need as many banks and bank services that are crypto friendly as possible. Have a look at Juno and how they do it… they are my favorite rails/onramp-offramp to buy and sell crypto Fast, Free (only exact mining fee’s are incurred) , Safely, & Reliably. Juno (used to be called OnJuno) is exactly what the bank of the future should look like and anyone that can out do them or compete with then has a very bright future… they’d be extremely hard to beat, but if you took a page from their book it couldnt do anything but help for sure in my honest opinion 😉👌🏻 But anyways, great work on what you currently offer, I really enjoy it and use it almost daily as a rule.

App Privacy

The developer, Empower Finance, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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