Fees checked against each app’s own terms Not financial advice
Best Cash Advance Appswhat each one really costs

Tilt Cash Advance (formerly Empower): what $100 really costs

In brief

Tilt, which was called Empower until August 2025, charges an $8 monthly subscription after a 14-day trial. Instant delivery is free to a Tilt debit card and $5 for $100 to your own bank. Standard delivery usually takes one business day. Tilt doesn’t accept tips and charges no late fees. On its published terms, $100 delivered instantly and repaid in 14 days costs $8.00, or 209% APR; waiting for the standard transfer costs $8.00.

Fees and terms checked · Not financial advice

Tilt Cash Advance (formerly Empower) · instant

$100 advance · repaid in 14 days · instant delivery

Tilt subscription (1 month) $8.00
Instant to a Tilt debit card $0.00
Tip $0.00
True cost$8.00
209%effective APR

8.00 ÷ 100.00 × (365 ÷ 14) × 100 = 208.6%

Tilt Cash Advance (formerly Empower) · if you wait

$100 advance · repaid in 14 days · standard delivery

Tilt subscription (1 month) $8.00
Standard delivery (usually 1 business day) $0.00
Tip $0.00
True cost$8.00
209%effective APR

8.00 ÷ 100.00 × (365 ÷ 14) × 100 = 208.6%

In our ranking of cash advance apps, that puts Tilt at 5 of 14 by the cost of a $100 instant advance. See the full ranking or change the amount and dates in the calculator.

Every published price

Quoted from Tilt’s own pages, checked November 8, 2026. Each line links to where it says so.

ChargePriceFrom Tilt’s page
Tilt subscription (needed for advances) $8.00/month Tilt offers a 14-day trial for first-time customers only. Once the trial concludes, Tilt charges an auto-recurring $8/month subscription fee.tilt.com
Instant to a Tilt debit card $0.00 on $100 there are two fee-free delivery options: accept your Advance onto your Tilt debit card and receive your funds generally within 1 minute or via ACH into your paycheck account generally within one (1) business day.tilt.com
Instant to your own bank account $5.00 on $100 You may request that Tilt expedite disbursement of your Advance into your paycheck account by paying an optional fee (the “Instant Delivery Fee”).tilt.com
Standard delivery (usually 1 business day) $0.00 Standard delivery (ACH to your linked bank account) is free. Funds typically arrive within 1 business day, depending on your bank.support.tilt.com
Tips not taken Tilt prohibits tipping entirely .tilt.com
Late fee $0.00 A Tilt Cash Advance has no interest and no late fees.support.tilt.com
Cancellation fee $0.00 There is no fee to discontinue use of Tilt Advances and no fee to cancel your Tilt subscription.tilt.com

Plans

PlanPer monthNote (from Tilt’s pages)
Tilt subscription$8.0014-day trial for first-time customers; returning customers are charged $8 immediately.
Legacy pricing$6.00Help Centre: members who signed up before July 29, 2020 and haven't cancelled pay $6/month.
Subscription fee waiver (on request)$0.00'You can access Cash Advance (and a Tilt Checking Account) without paying a subscription fee. To request a waiver, contact us.' Source: https://support.tilt.com/kb/guide/en/what-is-tilts-subscription-fee-IzCrkBkCSm/Steps/4921978

What other amounts cost

Repaid in 14 days, with any membership counted for one month. Small advances cost the most per dollar: a fee that doesn’t shrink with the amount weighs more on $25 than on $200. Blank cells mean Tilt doesn’t publish that price.

AdvanceInstantAPRIf you waitAPR
$25.00 $8.00 834% $8.00 834%
$50.00 $8.00 417% $8.00 417%
$100.00 $8.00 209% $8.00 209%
$150.00 $8.00 139% $8.00 139%
$200.00 $8.00 104% $8.00 104%
$300.00 $8.00 70% $8.00 70%
$500.00 $8.00 42% $8.00 42%

Limits, eligibility and repayment

Maximum
$500.00 Cash Advances range from $10–$500. Not everyone qualifies for an offer. tilt.com
To start
In Q3 2026 , the average offer was $96 for first-time customers and $178 for all others. tilt.com
Who can get it
Link your primary checking account where you receive your paychecks. We'll review your real-time financial habits — like income and spending — to determine an offer you can reliably repay. support.tilt.com
Credit check
No, per its own pages Consumer credit reports will not be considered when determining Tilt Advance eligibility. tilt.com
Repayment
Tilt automatically withdraws the full Cash Advance amount ( plus any instant delivery fees ) from your linked external bank account on your repayment date. Your repayment date is set based on your detected pay cycle. support.tilt.com
Interest
A Tilt Cash Advance has no interest and no late fees. support.tilt.com
States
Cash Advance Available in all U.S. states except Connecticut, Maine, and the District of Columbia (DC). support.tilt.com
Bank connection
Plaid We use Plaid to connect bank accounts. support.tilt.com
Works with Chime
Only “most banks” wording We use Plaid to connect bank accounts. If your bank isn't available, the list updates regularly so try again later. support.tilt.com
Works with Cash App
Only “most banks” wording We use Plaid to connect bank accounts. If your bank isn't available, the list updates regularly so try again later. support.tilt.com

Worth knowing

  • Tilt’s terms and help centre say you can use Cash Advance without the subscription if you ask for a waiver.
  • Not available in Connecticut, Maine or the District of Columbia.
  • Searches for “Empower cash advance” are for the same app.

Regulatory actions

Our check of official sources (the FTC, the CFPB, the Department of Justice, state attorneys general and regulators) turned up no action about Tilt’s advances as of November 8, 2026. If you know of one, please tell us.

Close to Tilt on cost

EarnIn Cash Out

$5.99 · 156% APR

MoneyLion Instacash

$7.50 · 196% APR

Klover Balance Advance

$9.49 · 247% APR

Dave ExtraCash

$10.00 · 261% APR

Sources for this page

How costs are calculated, what is left out and how to send a correction: methodology.

Cite this page

Best Cash Advance Apps. "Tilt Cash Advance (formerly Empower): true cost and fees." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/tilt/