Empower: Advance & Credit

Need extra cash to make it to your next paycheck? Empower’s got your back. Get an Advance of up to $300 instantly.* Say goodbye to overdraft fees and stressing about money. No credit score or security deposit to qualify.

GET AN INSTANT ADVANCE OF $10 TO $300
Tight on cash and tired of asking friends to cover you? Empower will float you anywhere from $10 to $300 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.

An Advance is NOT a personal loan:
— No mandatory minimum or maximum repayment timeframe
— No interest (0% APR)
— Example: If you accept a $50 instant Advance to your external account for a $3 instant delivery fee, then your total repayment amount will be $53.

BUILD BETTER CREDIT HISTORY WITH THRIVE^
Credit score holding you back? Empower Thrive is the chance you’ve been waiting for. A flexible line of credit that helps you build the credit history you need to reach those big financial goals. All credit scores welcome and no money down.

— Start with a $200, $250, or $400 credit limit
— Repay it your way
— Enjoy limit increases up to $1,000 over time**
— Build good credit history

START SAVING FOR THE FUTURE WITH AUTOMATIC SAVINGS
Make investing in your future easier than ever with AutoSave. After you set your savings goal, Empower will monitor your income and spending habits to know when and how much you can afford to save. All you have to do is sit back and watch your savings grow.

KEEP TABS ON YOUR CREDIT SCORE
Watch your hard work pay off. We’ll give you monthly score updates and helpful tips to improve your score. Credit scores are complicated enough. We’ll help you understand it.

GET FAST SERVICE
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.)

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Not affiliated with Empower Annuity Insurance Company of America (www.empower.com).

Empower is a financial technology company, not a bank. Empower is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. Banking services provided by nbkc bank, Member FDIC.

Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.

By downloading/using the app you agree to our Privacy Policy (https://empower.me/privacy).

*Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others.
Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $96 for first-time customers; $167 for all others. Instant delivery is optional—see fees in Empower’s Terms.

^ Empower Thrive provided by FinWise Bank. Subject to credit approval. We report your payments to the credit bureaus. Failure to make on-time payments may result in negative reporting. Instant delivery is optional, and fees may apply.

**Eligibility requirements apply. Not everyone will qualify for a credit limit increase. If you fail to pay at least your minimum payment by the due date you will not be considered for a credit limit increase and your credit limit may be decreased.

Empower Finance, Inc.
9169 W State St #499
Garden City, ID 83714