Empower: Cash Advance & Credit✓

Name: Empower: Cash Advance & Credit
Price: free USD
Rating: 4.7 (131595 reviews)

4.7★★★★★

Name :: Empower: Cash Advance & Credit
Category:: Finance
Safety :: 100% Safe
Price:: free
Developer:: Empower Finance
Download :: 1M+

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App Intro

Empower is a comprehensive financial wellness app designed to provide immediate financial relief and foster long-term financial health. If you're ever in a pinch between paychecks, Empower offers instant cash advances ranging from $10 to $250, eliminating the stress of overdraft fees and the need to borrow from friends. For those looking to build or improve their credit, Empower's Thrive feature offers a flexible line of credit, starting at $250 and potentially increasing up to $1,000, with all credit scores welcome and no upfront deposit required. The app also encourages future financial security through its AutoSave feature, which intelligently monitors your finances to set aside funds for your goals. It’s a well-rounded tool for anyone seeking quick financial support, credit building opportunities, and automated savings, making it a valuable download for individuals aiming for greater financial stability.

Feature Guides

Access instant cash advances between $10 and $250 to bridge the gap until your next payday. This feature comes with no interest, no credit checks, and optional instant delivery for a small fee, ensuring you get funds when you need them most without long-term debt implications.
Build your credit history with Empower Thrive, a flexible line of credit. Starting with an initial limit of $250, it can grow up to $1,000 with responsible repayment. Empower reports your on-time payments to credit bureaus, helping you achieve your financial goals.
Automate your savings effortlessly with AutoSave. Empower analyzes your income and spending patterns to identify opportunities to save, helping your money grow passively towards your set financial targets.
Keep track of your financial progress by monitoring your credit score directly within the app. Receive monthly updates and actionable tips to understand and improve your creditworthiness.

Recent Improvements

The latest iteration of Empower focuses on refining the user experience for credit building and savings automation. Recent updates have streamlined the process for accessing Thrive credit line increases, making it more intuitive for users to grow their available credit responsibly. We've also enhanced the AutoSave feature's intelligence, ensuring it more accurately identifies optimal times and amounts for saving based on individual financial flows. Customer support has also seen improvements, with quicker response times for inquiries made through live chat and phone, ensuring users get the help they need efficiently.

FAQ

How do I get money quickly with Empower?

Empower offers an instant Cash Advance feature where you can borrow between $10 and $250. There are no credit checks or interest charges. You simply repay the amount, plus any optional instant delivery fee, on your next payday. It's a great way to cover unexpected expenses without falling into debt.

Can Empower help me improve my credit score?

Yes, Empower Thrive is designed specifically for credit building. It provides a flexible line of credit that starts at $250 and can increase up to $1,000. By making on-time payments, Empower reports your positive credit behavior to the major credit bureaus, helping you build a stronger credit history.

What are the costs associated with using Empower?

Empower has an $8 monthly subscription fee after a 14-day free trial for new users. Optional instant delivery for cash advances or Thrive funds may incur a small fee. There are no interest charges on cash advances. Thrive is subject to credit approval, and failure to make on-time payments can negatively impact your credit.

Editor Security Review

Reviewed by the editorial team for
basic security, integrity, and package consistency checks.

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User reviews

This app has been a lifesaver! 😭 I was short on rent last month and got approved for a cash advance within minutes. So easy and no hidden fees, just paid it back when I got paid. Definitely recommend!

I love the Thrive feature! My credit score has gone up significantly since I started using it. It's so much easier than traditional credit cards, and I feel like I'm actually working towards my financial goals. 👍