Empower: Cash Advance $250 4+

Instant money before payday

Empower Finance

    • Free

iPhone Screenshots


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

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

Tight on cash and tired of asking friends to cover you? Empower will float you up 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.

Get the money you need. Build the credit you want.

Avoid spending the money you need for bills by putting it away with AutoSave. With AutoSave you decide how much to save and when. Once your bill is due, withdraw the money from your AutoSave account and pay your bill on time.

Wish your paycheck came sooner? Wish no more. With the Empower Card account, you can get paid up to 2 days earlier than with most banks.

Perks of a credit card but with a debit card. With the Empower Card, save money on the places where you shop already, like restaurants, grocery stores, gas stations, and more.

Take control of your finances by monitoring your purchases against weekly or monthly limits by category. We’ll send you 24/7 alerts to coach you on how to do better.

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 charges an auto-recurring monthly subscription fee of $8 (a) after the 14-day free trial concludes for first-time customers, and (b) immediately for customers returning for a second or subsequent subscription. Cancel anytime.

* Eligibility requirements apply. Free instant delivery is available for eligible customers with an activated Empower Card. Instant delivery fees otherwise apply.

^ Empower Thrive provided by FinWise Bank, Member FDIC. The Empower Thrive line of credit is subject to credit approval. Access requires Empower membership of $8 per month.

† Early access to paycheck deposit funds may vary by employer. Cashback deals on Empower Card purchases will vary and must be selected in the app.

What’s New

Version 5.95.2

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
105.6K Ratings

105.6K 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!!!!

nioleeo ,


This app does not allow the user to unlink their account, which is a cause for concern. I want to cancel because they charge a $6/month fee for all new users. Before I cancel I want to remove my linked bank account but the app does not let you remove it. To cancel you have to email them and wait to get a response. I literally was on email all day back and forth to then have the person from Synapse say they can’t help me because they don’t know about the Empower app and they only handle the back-end banking. I asked who can assist me with the removal and she never replied. I googled and found a number which led me back to Synapse live person and explained everything again. At least this person emailed Empower app, cc’d me to get try to get some resolve. Which unfortunately did not happen, as I asked if they (Empower) can remove my linked account on the developer end and I got no response to my question. DO NOT USE THIS APP. The 1.6% is not worth the headache of the run around and non responsive Synapse customer support. Find an online bank that offers same or better rates with no headaches when you decide to cancel.

Developer Response ,

Hi there, sorry to hear about your experience. Please email us directly at help@empower.me and our team will get this resolved for you as soon as possible.

cheis23 ,


Doesn’t link with my credit union so can’t use most of the features advertised. It says it will but whenever I try there is a “problem. Please try again later.” I’ve been trying for 3 weeks. When I contacted support (after some frustrating and counter-intuitive discussions with a Bot) they told me there was a temporary outage with my credit union and to try again in a week. Obviously disappointed and finding this app totally useless I deleted my account. It says all my data and account details will be deleted. Yet when I attempt to re-sign in and confirm my account has been deleted it simply just re-signs me in and all my data is still there and it hasn’t been deleted at all. I don’t know why so many people are giving this good reviews. Perhaps they haven’t used it properly but I was very keen to use empower that I’d already decided I would. I decided to just do some simple tests to put my mind at ease about using a new company and they failed all of those tests: doesn’t link with external accounts as advertised, time wasting bots are the customer support, solutions eventually offered are totally inadequate and when I made my decision that this “bank” (its really a tech company) wasn’t for me I had to repeatedly email and message them to actually manually delete my account (even though the app tells you you can do it from their main menu). New companies will improve the banking experience in the near future. Empower is not one of those.

Developer Response ,

Hi there, Very sorry to hear that you've run into some issues with using our app, particularly revolving around linking your credit union. If you're still interested, we'd love to discuss some of these points further, via email (support@empower.finance), or the in-app chat, but we can understand if you're already satisfied with the amount of time you've spent giving Empower a try.

In any case, thank you for the feedback!

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


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