Feeling financially stretched? It’s a common situation. Unexpected expenses can pop up, and sometimes making it to the next paycheck feels like a hurdle. Empower is designed to give you the financial breathing room you need. Access up to $300 instantly* and say goodbye to overdraft worries and financial stress. Qualifying is straightforward – no credit score or security deposit is required.
Get Instant Access to Funds: $10 to $300 When You Need It Most
Tired of constantly borrowing from friends or facing late fees? Empower provides a financial cushion, offering advances from $10 to $300 precisely when you need them. Instant delivery is available, ensuring quick access to your funds. The process is transparent and user-friendly: no interest charges, no hidden late fees, and no credit checks. Simply repay the advance when you receive your next paycheck.
It’s important to understand that an Empower Advance is different from a personal loan. There are no fixed minimum or maximum repayment periods, and crucially, there’s no interest – it’s a 0% APR service. For example, if you opt for a $50 instant Advance delivered to your external account with a small $3 instant delivery fee, your total repayment will be $53. This clear and simple structure empowers you to manage short-term financial needs effectively.
Build a Stronger Credit History with Thrive^
Is a low credit score holding you back from achieving your financial aspirations? Empower Thrive offers a solution: a flexible line of credit specifically designed to help you build the positive credit history you need to reach your larger financial goals. Whether you’re looking to finance a car, rent an apartment, or secure a better interest rate, Thrive can be a valuable tool. All credit scores are welcome to apply, and there’s no initial down payment required to get started.
Thrive provides a manageable starting point with credit limits of $200, $250, or $400. You have the flexibility to repay the credit in a way that suits your budget. Consistently managing your Thrive line of credit responsibly can lead to credit limit increases over time, potentially reaching up to $1,000**. This gradual growth empowers you to build a solid credit foundation and unlock future financial opportunities.
Effortlessly Save for Your Future with Automatic Savings
Investing in your future shouldn’t be complicated. Empower’s AutoSave feature simplifies saving, making it easier than ever to reach your financial goals. Once you set your savings target, Empower intelligently monitors your income and spending patterns. This smart system then identifies opportune moments and amounts you can comfortably save, automating the process for you. Simply set your goal and watch your savings grow steadily, empowering you to build long-term financial security without constant effort.
Stay Informed About Your Credit Score
Keep track of your credit building progress and see your hard work pay off. Empower provides you with monthly credit score updates, along with helpful tips and insights to further improve your score. Credit scores can be complex and confusing, but Empower breaks down the information, helping you understand the factors that influence your score and empowering you to take control of your credit health.
Get the Support You Need
Empower is committed to providing excellent customer support. Their dedicated team is ready to assist you with any questions you may have via phone or live chat, Monday through Friday, from 6 AM to 6 PM PT. Email support is also available for less time-sensitive inquiries. Empower ensures that help is readily accessible, empowering you with the confidence and support you need to manage your finances effectively.
Empower is a financial technology company, not a bank. Empower is not FDIC-insured. FDIC insurance solely covers the failure of an insured bank. Banking services are provided by nbkc bank, Member FDIC.
New Empower customers can enjoy a 14-day free trial. After the trial period, a recurring monthly subscription fee of $8 applies. To avoid the subscription fee, cancel before the trial ends via the mobile app’s “Billing” section or by contacting [email protected]. Returning customers will be charged the $8 fee immediately upon resubscribing. Subscription cancellation is available at any time.
By downloading and using the Empower app, you agree to their Privacy Policy (https://empower.me/privacy).
* Eligibility for Cash Advances is not guaranteed and varies. For first-time customers, advance offers range from $10 to $300, and for subsequent advances, the range is $10 to $350. Offer amounts are determined by Empower’s eligibility criteria and may increase based on positive repayment history. In November 2024, the average advance offer was $98 for first-time customers and $170 for repeat customers. Optional instant delivery is available, and fees may apply. Refer to Empower’s Terms (https://empower.me/terms) for complete fee and detail information.
^ Empower Thrive is provided by FinWise Bank and is subject to credit approval. Payment activity is reported to credit bureaus, and late or missed payments may negatively impact your credit report. Optional instant delivery is available, and fees may apply.
** Credit limit increases for Thrive are subject to eligibility. Meeting the minimum payment by the due date is required for consideration.
Empower Finance, Inc.
650 California Street, Floor 7
San Francisco, California 94108
