Empower: Cash Advance $250 4+

Instant money before payday

Empower Finance

    • Free

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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.

Feel like the credit system is stacked against you? Empower Thrive is the chance you’ve been hoping for. A line of credit that helps you build the credit history you need to reach those big financial goals.

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.

Stay on top of your credit score by keeping tabs on the bureaus. After all, they keep tabs on you.

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. 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.

† 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 5.110.0

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
127.6K Ratings

127.6K Ratings

NicoleDave14 ,

Extremely Excellent way to recover your lost or stolen funds!!

I was impatient to carry out necessary research but I really wanted to jump on the crypto trading and investment buzz. Unfortunately for me, I invested 75,700 USD worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 214,575 USD within a couple of weeks. But I didn't realize I was dealing with a scam company, until I tried to make an attempt to withdraw. I made a withdrawal request, and noticed my account was suddenly blocked for no apparent reason. I tried contacting customer support, but all to no avail. I needed my money back at all cost, because I could not afford to let it go. So I tried all possible means to make sure I recovered my scammed bitcoin. I did a lot of online search for help, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptography funds with the help of RemotePundit So I file a report on RemotePundit @ Gmail and he was able to help me get back all my lost funds withing 2 weeks I feel indebted to him. Apart from trying to express my gratitude to them once again using this medium, I will recommend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary options forex, investment and any other form of online scam to reach out to RemotePundit (at) gmail

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. ,


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!

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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