Think the credit system is stacked against you? So do we. Empower is on a mission to help more people access affordable credit, build their credit history, and rewrite their financial story. No credit score or security deposit to qualify.
(Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. Empower Thrive provided by FinWise Bank, Member FDIC.)
GET CASH ADVANCE UP TO $250*
Tight on cash and tired of asking friends to cover you? Empower will float you up to $250 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.
BUILD UP TO $1,000 OVER TIME WITH AN EMPOWER THRIVE REVOLVING LINE OF CREDIT^ (COMING SOON!)
Start with a $200 revolving line of credit and grow to $1,000 with every on-time payment. Enjoy instant delivery and 0% APR** (when you pay your balance on your next paycheck date, otherwise 35.99% APR). Building credit just got a whole lot easier.
GET YOUR PAYCHECK UP TO 2 DAYS FASTER†
Wish payday came sooner? Wish no more. With the Empower Card, you can get paid up to 2 days earlier than most banks.
GET UP TO 10% CASHBACK†
Perks of a credit card but with a debit card. With the Empower Card, save money on the places where you shop already, like restaurants, grocery stores, gas stations, and more. No overdraft fees.
Empower charges an auto-recurring monthly subscription fee of $8 (a) after the 14-day free trial concludes for first-time customers, and (b) immediately for customers returning for a second or subsequent subscription. Cancel anytime.
* Eligibility requirements apply. Free instant delivery is available for eligible customers with an activated Empower Card.
^ Eligibility requirements apply. Opening an Empower Thrive line of credit restricts access to Empower Cash Advance, with access restricted until the Empower Thrive line of credit is closed and you meet the eligibility requirements for Empower Cash Advance. Instant delivery is available for a 5% fee of the draw amount on the line of credit. We report your payments to the credit bureaus. Pay on time and keep utilization low for the best potential benefit. Many factors impact your credit score, and while making on-time payments and keeping utilization low may improve your score, there is no guarantee this will improve your score.
** The Annual Percentage Rate is subject to change. An Empower Thrive line of credit is subject to credit approval. There are no costs to open an Empower Thrive line of credit. If you choose to pay your draw in full on your next paycheck date, your rate will be 0% APR; if you miss your payment, you will accrue interest at 35.99% APR and may incur late fees. If you choose to pay your draw on a date other than your next paycheck date, your rate will be 35.99% APR or as otherwise required by state law.
† Early access to paycheck deposit funds may vary by employer. Cashback deals on Empower Card purchases will vary and must be selected in the app.