14 Best Apps Like Empower for Quick Cash Advances

If you're looking for apps like Empower, now called Tilt, there are several cash advance options that offer similar ways to access money before payday. Options like Albert, Brigit, Cleo, FloatMe and Klover differ in advance limits, funding speed, fees and subscription requirements.

Tilt offers cash advances up to $500 and credit lines up to $1,000. Cash advances carry no credit check, interest or late fees. Lines of credit carry a variable annual percentage rate (APR), and the app charges a monthly subscription fee after the trial period, so check Tilt's current terms before you sign up.

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Here's how 14 popular Empower alternatives compare.

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Key Takeaways

• Empower, now called Tilt, is one of many cash advance apps that can bridge the gap before payday. Alternatives range from advances under $100 to up to $1,000, so the best fit depends on how much you need and how fast.

• Most cash advance apps charge no interest, but fees can still add up. Monthly subscriptions, instant transfer fees and optional tips vary widely, so it pays to compare the true cost before signing up.

• Employer-based apps like Branch, DailyPay and Payactiv give you access to wages you've already earned. Availability depends on whether your employer participates in the program.

• The fastest funding options almost always come with a fee. Most apps offer free transfers within one to three business days, while same-day or instant access typically requires an express fee.

Summary generated by AI, verified by MoneyLion editors

What Is Tilt and How Does It Work?

Tilt is a personal finance app that combines cash advances with budgeting and banking tools. After linking a bank account, eligible users can request a cash advance of up to $500 or apply for a line of credit up to $1,000 for larger expenses.

Cash advances carry no credit check, interest or late fees, while the line of credit carries an APR that varies by borrower, so check the app for current terms.

Best Apps Like Empower: At a Glance

Albert

• Advance amounts: Up to $1,000 with Albert Instant

• Fees: Instant transfers to external accounts may face a fee

• Funding time: Can be immediate or up to three business days

• Repayment options: Six days after requesting an advance

Albert offers its members instant cash advances ranging from $25 to $1,000. There’s no credit check, late fees or interest.

Branch

• Advance amounts: Up to 50% of your upcoming paycheck

• Fees: No interest, $2.99 to $4.99 to transfer to card from Branch wallet

• Funding time: Immediate with Branch Wallet

• Repayment options: Deducted from your paycheck

Branch is an employer-dependent app, so it works a little differently from most cash advance apps. It still gets you early access to your paycheck, though.

It also comes with personalized spending insights and other features like digital accounts and debit cards.

Brigit

• Advance amounts: Up to $500

• Fees: Monthly subscription fee of $8.99 to $15.99

• Funding time: Can be the same day

• Repayment options: Next payday or scheduled deposit

Brigit makes it easy to sign up and request a cash advance — all within minutes. Brigit doesn't charge interest or require a credit check for cash advances.

Plus, the app provides financial insights into your spending habits to help you budget better. And if that’s not enough, it’ll help you find side gigs to boost your income.

Cleo

• Advance amounts: Up to $250

• Fees: $3.99 to $14.99 optional express fee, membership fee of $5.99 to $14.99

• Funding time: Instant with a fee or up to three business days for free

• Repayment options: Automatically deducted from linked card or bank account

Cleo offers small cash advances to people who need them. There’s no credit check or interest.

Cleo also offers an array of other free features, including budgeting and credit scoring support. You can even round up purchases to get you closer to your savings goals.

DailyPay

• Advance amounts: Percentage of earned wages

• Fees: Vary by employer

• Funding time: Usually same day

• Repayment options: Deducted from upcoming paychecks

With DailyPay, users get on-demand access to earned income ahead of their upcoming paycheck. DailyPay requires employer participation and gives employees access to part of their earned pay before payday.

Dave

• Advance amounts: Up to $500

• Fees: Up to $5 monthly subscription fee, a 1.5% fee for external account transfers and fee of $5 or 5% of advance amount, whichever is greater

• Funding time: Within minutes with express fee

• Repayment options: Automatic with next paycheck

If you’ve been looking into getting a cash advance, chances are you’ve come across Dave. With Dave, you can access up to $500 interest-free.

Perhaps equally useful is that Dave comes with built-in budgeting tools and recs for side gigs. You’ll need to pay a monthly fee of up to $5 to have access to the advances.

See more apps like Dave before deciding which app best fits your needs.

EarnIn

• Advance amounts: Up to $1,000 per pay period or up to $150 per day

• Fees: Optional tips, expedited transfer fee of up to $8.99

• Funding time: Instant with expedited fee, up to three business days for free

• Repayment options: Automatically deducted from next paycheck

EarnIn lets you access up to $1,000 per pay period with no mandatory interest, fees or credit checks. Funding is available within a couple of business days for free, but you can also pay a small fee for immediate access.

EarnIn doesn’t just offer cash advances. It also comes with built-in budgeting tools, credit monitoring and other features.

If you’re comparing apps like EarnIn, look at advance limits, transfer fees and repayment timing.

FloatMe

• Advance amounts: Up to $200

• Fees: $6.99 monthly fee and $1 to $10 instant transfer fee

• Funding time: Same day for a fee or up to three business days for free

• Repayment options: Automatically deducted on next payday

FloatMe is another hassle-free cash advance app geared toward small, emergency expenses. Unlike some apps, it doesn’t require tips. There is, however, a monthly fee for using the app.

Klover

• Advance amounts: Up to $750

• Fees: No interest, no monthly charge, optional expedited fees

• Funding time: Same day for a fee or within three business days

• Repayment options: Automatically taken from next paycheck

Unlike some cash advance apps, Klover doesn’t charge a monthly subscription fee. Instead, you can access cash faster by watching ads, completing surveys or linking your bank account.

It’s a no-frills app that gets you what you need when you need it. No credit check is required.

MoneyLion

• Advance amounts: Up to $500

• Fees: Free standard delivery, fee for expedited delivery*

• Funding time: Within minutes for a fee or up to five business days

• Repayment options: Automatically deducted on your next pay date

MoneyLion’s Instacash isn't a loan. It is an earned wage access product that lets eligible users access a portion of wages they have already earned before payday. Your eligibility and limit depend on account activity and direct deposit history.

OnePay@Work

• Advance amounts: Up to 50% in earned wage access

• Fees: No interest, instant delivery fees for some members

• Funding time: Same day or up to three business days

• Repayment options: Automatically deducted from future paychecks

OnePay@Work is another employer-dependent app. With it, you can access earned wages before payday. There’s no credit check or interest involved.

Payactiv

• Advance amounts: Up to 50% in earned wage access

• Fees: No interest, no fees for most employers

• Funding time: Instant with Payactiv card, up to three business days for external accounts

• Repayment options: Automatically deducted from upcoming paycheck

Payactiv offers on-demand EWA. This means you can request a certain percentage of the money you’ve already earned but haven’t received before your next payday.

You don’t have to worry about interest or hidden fees. There’s not even a credit check required.

Possible

• Advance amounts: Up to $300

• Fees: Optional monthly membership, free instant transfers for members, non-members will need to pay an instant transfer fee

• Funding time: Within minutes or up to five business days

• Repayment options: One-time repayment or four flexible installments

Possible Finance lets you access instant cash ahead of your next paycheck. There’s no credit check and no security deposit. You can check your eligibility for free online.

Varo

• Advance amounts: Up to $700

• Fees: Tiered fee that increases with the advance amount

• Funding time: Same day

• Repayment options: Automatically after 15 to 30 days

Varo lets you access money instantly as long as you have a linked qualifying account. Simply sign up and request the money you need. Over time and with direct deposit, your limit can increase to $700.

Bottom Line

Tilt, formerly Empower, is one of many ways to access extra cash before payday. The right app for you ultimately comes down to how much you need, how quickly you need it and whether the fees are worth it.

FAQs

Which cash advance apps get me $1,000 now?

EarnIn and Albert both get you access to up to $1,000 within minutes with a fee if you're eligible. Before taking out that much money, make sure you’ve got a plan. After all, even if there aren’t any hidden fees or interest charges, you’ll still need to repay your balance.

What app gives you money immediately?

Apps like Albert, Dave and Klover can send funds within minutes if you pay an instant transfer fee, while free transfers typically take one to three business days. Instant funding usually depends on your eligibility and linked bank account, so compare fees before you pick an app for an emergency.

What app will spot me for $200?

A few apps can cover an amount close to $200, including FloatMe for amounts up to $200, Possible for amounts up to $300 and Brigit for amounts up to $500. Your actual advance depends on your account history and each app's eligibility rules, so compare a few options before you apply.

What are the best new cash advance apps to consider in 2026?

The apps in this comparison — including Albert, EarnIn, Klover and MoneyLion — remain solid options to consider, since advance limits, funding speed and fees can shift over time.

What's the difference between a cash advance app and an earned wage access app?

A cash advance app lets you access a small amount based on your spending and deposit history, while an EWA app lets you tap into wages you've already earned before payday. EWA apps like Branch or Payactiv usually require your employer to participate, while cash advance apps work independently of your employer.

Do I need a bank account to use a cash advance app?

Yes, most cash advance apps require an active linked bank account to verify your income and deposit history and to send and collect your advance. Some employer-based apps may instead deposit funds into their own digital wallet or card, so check each app's requirements before signing up.

Key Terms

• Cash advance app: A mobile application that provides short-term access to funds before your next payday. Most require a linked bank account and repay automatically when your paycheck clears.

• EWA: A financial tool that lets workers access a portion of wages they have already earned before their scheduled payday. It is not a loan and typically carries no interest, though some providers charge a fee.

• Subscription fee: A recurring monthly charge some cash advance apps require for access to their services. Fees vary widely across apps and can offset the value of interest-free advances if not factored into the total cost.

• Instant transfer fee: A one-time charge for receiving advance funds within minutes rather than waiting for a standard bank transfer. Standard delivery is usually free but takes one to three business days.

• Credit line: A revolving form of credit that lets you borrow up to a set limit and repay over time. Unlike a cash advance, credit lines typically carry an APR and accrue interest on unpaid balances.

Summary generated by AI, verified by MoneyLion editors

Sources

• Consumer Financial Protection Bureau. 2024. "Data Spotlight: Developments in the Paycheck Advance Market."

• Consumer Financial Protection Bureau. 2024. "What are the costs and fees for a payday loan?"

Photo Credit: RyanJLane/ Getty Images

Data is accurate as of Oct. 7, 2026, and is subject to change.

Parts of this article were created with AI assistance. MoneyLion editors reviewed, fact-checked and edited the final version and are responsible for its accuracy.