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Tilt (formerly Empower) cash advance: what it really costs
Advances of $10–$500 (average first offer $98) with an $8 monthly subscription after a 14-day trial. Free onto Tilt's debit card in about a minute; $1–$8 to your own bank ($5 on $100). No interest, late fees or credit check. Not available in Connecticut, Maine or DC.
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$100 today
$13
≈339% a year if repaid in 14 days
$100 by standard transfer
$8
≈209% a year if repaid in 14 days
| Operated by | Tilt (Empower Finance, renamed in 2025) |
|---|---|
| Advance limits | first advances average about $98; up to $500 |
| Monthly membership | $8 a month after a 14-day trial for first-time customers (charged immediately for returning customers) |
| Instant transfer fee | Instant Delivery to your own bank, within about an hour: $1–$8 by amount ($5 for $100–$149.99), 3% from $300 (Tilt's terms). Free onto the Tilt debit card, usually within a minute. |
| Standard transfer | Free: onto the Tilt debit card within about a minute, or to your bank within a business day |
| Tips | Not stated |
| Repayment | Scheduled automatically for your detected payday; repay before taking another |
| If a repayment fails | "No credit reporting if unpaid" |
| Who qualifies | Based on income, expenses and savings trends from your linked bank account; "not everyone qualifies" |
| Banks that don't work | none stated |
| Credit check | None |
| Not offered in | CT, ME, DC |
| How to cancel | In the app (Billing) or by emailing [email protected]; cancel before the trial ends to avoid the first charge |
| App ratings | iPhone 4.8 (462k ratings) |
Go to Tilt (formerly Empower) We are not paid for this link.