Empower's cash advance app rebranded to Tilt in August 2025, and its $8 monthly subscription still is not for everyone. The good news is that apps like Empower are everywhere in 2026, and several charge less or lend more than Tilt's $10 to $400 range. We ranked seven of the best cash advance apps that can fill the same gap before payday.
Our Top Picks
Klover. No mandatory monthly fee, with advances up to $250 and no interest or credit check. Best for: occasional borrowers who refuse to pay a subscription.
Current Paycheck Advance. No mandatory subscription for the advance, up to $750 from your future direct deposit. Best for: anyone who wants the highest limit on this list.
Brigit. Subscription plan required, with advances of $25 to $500 and no interest or tips. Best for: budgeters who want overdraft alerts with their advance.
7 Best Apps Like Empower for Instant Cash
Every app below skips hard credit checks and charges no interest on advances. Fees vary by provider, instant transfers often cost extra, and approval is never guaranteed. Terms and conditions apply.
1. Klover
Klover drops the thing people dislike most about Empower: the subscription. Advances run up to $250 with no interest and no credit check, and you can boost your limit by completing quick in-app actions instead of paying a fee. If the no-subscription model appeals to you, there are more apps like Klover worth a look. Klover fits anyone who borrows a few times a year and wants those months to cost nothing.
Klover
Klover
Need cash before payday? Klover gives you instant access to up to $250 with no credit check, no interest, and no late fees. Earn points through surveys, receipt scanning, and daily activities to unlock higher advance amounts.
Standout feature
Up to $250 cash advance with no interest or credit check. Free standard delivery.
Fees
Free (optional instant delivery fee)
Pros
No interest or required fees. Quick access to cash advances. Multiple ways to earn points and unlock higher limits.
Cons
Points system can be grindy with ads and games required.
2. Current Paycheck Advance
Current offers paycheck advances up to $750 for eligible members who move their direct deposit, nearly double Tilt's $400 ceiling. You can read our full Current cash advance review for the details. Current is the pick if your paychecks are steady and your main goal is a bigger advance.
Current Paycheck Advance
Current Paycheck Advance
Need cash before payday? Current’s Paycheck Advance is here to help. Secure, and straightforward – your early paycheck is just a tap away.
Standout feature
Up to $750 advanced from your next paycheck if you qualify — no mandatory fee, no credit check, no late fees
Fees
$0 standard delivery (up to 3 business days). Optional Instant Access fee varies. Exact amount shown in-app at request time.
Pros
Up to $750 advance. One of the highest Paycheck Advance limits available
Cons
Requires a Current account with recurring payroll direct deposit
3. Brigit
Brigit advances $25 to $500 with no interest and no tips, and its plan includes overdraft prediction alerts that flag trouble before your balance goes negative. Plenty of apps like Brigit copy the alert idea, but few bundle it as cleanly. Brigit suits users who want budgeting guardrails along with the cash.
Brigit
Brigit
Need cash sooner than expected? Brigit is your go-to solution for instant cash. Access between $25–$500 on the free plan with no interest, no tips, and no hidden fees.
Standout feature
Trusted by over 10 million people
Fees
$8.99/mo or $15.99/mo
Pros
Get Cash in minutes, No Credit Score Needed
Cons
Monthly fee is needed
4. MoneyLion Instacash
MoneyLion Instacash offers advances up to $500 with no interest and no credit check, inside an app that also covers banking and credit tools. That one-stop setup makes MoneyLion a smart choice if you would rather manage advances, spending, and credit in a single place.
MoneyLion Instacash®
MoneyLion Instacash®
Unexpected vet bills, or last minute date night—no worries! If life throws you a curveball, get Instacash cash advances up to $500.
Standout feature
No interest. No credit check.
Fees
No mandatory fees.
Pros
Available in minutes for a fee, or get it in 1-5 business days with no fees.
Cons
Checking account connection required
5. Grant
Grant is a newer cash advance app with a simple pitch: link your bank, qualify based on your deposit history, and get a small advance without a credit check. It keeps the process short, which makes Grant a good fit if you want a lightweight app without extra banking features layered on top.
Grant
Grant
Grant Cash Advance is a cash advance app. From gas to groceries, the goal of Grant is to help people get the cash advance they need.
Standout feature
No credit check and no late fees
Fees
$9.99/mo Grant Plus subscription + $2–$21 optional Express Delivery
Pros
Advances from $25 to $350
Cons
Requires bank connection
6. Dave
Dave offers ExtraCash advances up to $500 as of July 2026. It charges a monthly membership fee of up to $5 plus a service fee of 5% of each advance, with a $5 minimum and a $15 cap, so the cost scales with how much you borrow. Dave works for people who want a higher ceiling than Tilt and do not mind paying per advance.
7. Earnin
Earnin lets you cash out pay you have already earned, up to $150 per day and up to $1,000 per pay period as of July 2026. There is no mandatory subscription, just optional tips and fees for faster transfers. If earned wage access sounds right for you, compare a few apps like Earnin before choosing. It fits W-2 workers with regular paychecks best.
How to Choose Apps Like Empower
Start with cost per month. If you borrow rarely, a no-subscription app such as Klover or Earnin typically beats Tilt's $8 fee, and some of the best free cash advance apps charge no monthly fee at all.
Then check the limit and the speed. Current reaches $750 but wants your direct deposit, while smaller apps approve faster with less commitment. Free transfers usually take one to three business days, so if you need money the same day, budget for an instant transfer fee.
Finally, borrow only what your next paycheck can absorb. An advance that leaves you short again next week can turn into a monthly habit that quietly costs more than the emergency it fixed.
What Users Commonly Report
Many users report that starting limits across these apps land well below the advertised maximums and grow after a few repaid advances. Common praise centers on fast approvals and simple interfaces. Common complaints include instant transfer fees adding up and bank connections dropping at inconvenient times.
Frequently Asked Questions
What app is most similar to Empower?
Brigit is probably the closest match because it also pairs a subscription with advances and budgeting tools. Its $25 to $500 range tops Tilt's $400 maximum, and it adds overdraft prediction alerts that Empower never offered.
Is Empower still a cash advance app?
Yes, but it goes by Tilt now after an August 2025 rebrand. The product still offers $10 to $400 advances with no interest or credit check, and the subscription costs $8 per month after a 14-day free trial as of July 2026.
Which app like Empower gives the biggest advance?
Among the apps on this list, Earnin allows up to $1,000 per pay period for earned wages, and Current Paycheck Advance reaches up to $750 for eligible direct deposit members. Your actual limit depends on your income and bank history, so most users start lower.
Do apps like Empower check your credit?
No. The apps in this list use your bank account activity and income pattern instead of a credit check, and they do not report advances to the credit bureaus. That means they will not hurt your credit score, but they will not build it either.
