Tilt
Members who want a small, interest-free cash advance with every fee listed upfront. It will not affect your credit score. You do need to pay $8 a month to keep using it.Facts verified September 11, 2026
Tilt is the new name for Empower, the cash advance app. It changed its name in August 2025. Tilt offers advances from $10 to $500, with no interest and no credit check. You do pay an $8 monthly fee after a 14 day trial, and fast delivery to your bank costs extra.
$500
Max advance
$8/mo
Subscription
None
Credit check
$1 to $8 by tier under $300; 3% of the advance for $300 and up
Instant fee
The details
- Max advance
- $500
- Limit resets
- Other
- Mandatory fees
- $8/month
- Interest
- None
- Late fee
- None
- Credit check
- None
- Direct deposit required?
- No
- Bank-link required
- Yes (Plaid)
- Instant transfer
- About 15 minutes
- Instant transfer fee
- $1 to $8 by tier under $300; 3% of the advance for $300 and up
- Free transfer
- About 1 business day to a bank account, about 1 minute to a Tilt debit card
- Tips
- None
- Eligibility
- No credit check. Offer size is based on income and spending in a bank account linked through Plaid. Not available to residents of Connecticut, Maine or Washington DC. Tilt says about 75% of people who check eligibility qualify. Tilt does not publish whether direct deposit is required.
Pros & cons
Pros
- Ask Tilt after an overdraw it caused, and it will refund that fee.
- Miss a payment and Tilt won't ding your credit score or charge interest.
- Repaying on time can grow your advance and unlock other Tilt products.
Cons
- It's $8 a month, billed automatically once your 14-day trial ends.
- Fast delivery costs extra too, up to $8, or 3% above $300.
- The $500 max is rare. New users average about $98.
