Empower review: is the Empower cash advance app legit?
Empower is a legitimate cash advance app, and Tilt Finance, Inc., a private fintech company formerly named Empower Finance, Inc. is the company behind it.
- Biggest advance
- $500
- Fee per month
- $8
- Fast transfer cost
- $5 on $100
- Complaints to the CFPB
- 330counts every Tilt Finance product
Empower on file
- Owner
- Tilt Finance, Inc., a private fintech company formerly named Empower Finance, Inc.
- Product
- cash advances of $10-$500 with no interest, inside the Tilt app (formerly Empower), for an $8 subscription each month
- Subscription
- $8 a month, required
- Fee for a fast transfer
- Lower caps apply in Wisconsin and Maryland; otherwise fees are $1 to $8 for advances from $0-$299.99, or 3% at $300 or more
- Time without a fee
- free ACH, usually arriving the next business day
- Credit checks
- Advance eligibility does not involve a credit check or the use of consumer credit reports
- Time to get the money
- free by ACH (usually next business day); a Tilt debit card gets it free within roughly a minute; pay for instant delivery and an outside bank generally gets it in under an hour
Taken from what Empower publishes, CFPB complaint counts and public enforcement files. All sources are listed at the foot of the page
Empower fees and costs
Convert Empower's fees to a yearly rate using the calculator on our cash advance apps page.
Good to know about Empower
- The Empower name is gone: in August 2025 Empower Finance became Tilt, and tryempower.com is now listed as a domain for sale
- After a 14-day trial, an $8 monthly subscription applies, yet you may request a waiver under the terms
- A published table lists clear instant fees: $5 on a $100 advance, while advances of $300 or more cost 3%
- Standard delivery costs nothing and is quick: roughly a minute to reach a Tilt debit card, or usually the next business day by ACH
- Collections agencies and credit bureaus do not receive unpaid advances, and no credit check occurs
States where Empower works
The Empower pages we read give no list of states. Ask which license covers your state and check it on NMLS Consumer Access before you share bank details.
Empower complaints and lawsuits
The CFPB database lists 330 complaints naming Tilt Finance, Inc, a count for the whole company rather than Empower alone. Most common issues: errors appearing on your report; issues regarding a company investigation of an existing problem; account management. Check the CFPB count
Our search of CFPB, FTC and state enforcement records turned up nothing against Empower.
Short on cash before payday?
Talk to a specialist about lower-cost ways to cover the gap in your state. Talk to someone about cheaper options: 855.947.5189
This line reaches a debt and loan options specialist. We are not Empower and cannot reach your Empower account.
Empower alternatives: apps like Empower
| App | Fee a month | Biggest advance | Fast transfer on $100 | CFPB complaints |
|---|---|---|---|---|
| Empower (this record) | $8 | $500 | $5 | 330counts all of Tilt Finance |
 Dave | $5 | $500 | $1.50 | 829 |
 Brigit | $8.99 | $500 | – | 384 |
 Cleo | $5.99 | $500 | – | None filed |
 Cash App Borrow | None | $500 | – | 72,532 |
– means the company does not publish it. Complaint counts are totals, not rates: a bigger company draws more. Open any name for its full record.
Where the Empower facts come from
- Empower Finance, Inc. rebranded to Tilt in August 2025prnewswire.com
- Google Play now lists the former Empower Android app (finance.empower) as Tilt, from Tilt Finance, Inc.; Monthly subscription; You can hold just one product at a time: Cash Advance, a credit card, or a line of creditplay.google.com
- tryempower.com, the former domain, is currently available for purchasetryempower.com
- Range for cash advancestilt.com
- Cash Advance is included in the flat $8 monthly subscriptiontilt.com
- You must subscribe, but emailing support can waive the fee; Wisconsin and Maryland cap instant fees at lower amounts; Sending the advance to a Tilt debit card is a second free option that takes about a minutetilt.com
- Advance of $100-$149.99: instant delivery fee; Advances at $300 or more: instant delivery fee; Standard ACH delivery costs nothing and usually lands by the next business daysupport.tilt.com
- Complaints in the CFPB database for Tilt Finance, Inc., the legal name Empower Finance now uses (covers every Tilt product)consumerfinance.gov