By Editorial Team
Last Updated: Apr 03, 2025
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Empower is a cash advance app that lets you access up to $350 before your next paycheck. The process is straightforward: download the app, sign up, and link your bank account. You'll need to subscribe to their service, which costs $8 a month after a 14-day free trial for first-time users. Once you're set up, you can request a cash advance with no interest or late fees. You can choose to get your funds instantly—free to your Empower debit card or for a fee to your external bank account—or wait one business day for a free standard delivery. When your next paycheck comes in, Empower will automatically withdraw the amount you borrowed. It's a handy way to get some extra cash when you need it.
Download Empower on your phone and follow these steps:
You will typically get the money in your bank account within one business day with the free standard transfer.
If you need the money faster, you can choose instant delivery. If you have the Empower Debit Card, you can get the funds within 1 minute at no extra cost.
If you're transferring instantly to your external bank account, fees apply based on the amount of your advance. You'll pay $1 for advances up to $10, $2 for up to $49.99, $5 for up to $149.99, and $8 for up to $299.99. For advances of $300 or more, the fee is 3% of the advance amount. The money will arrive in 15 minutes to 2 hours.
Out of hundreds of reviews published in February and March 2025 that we analyzed, we found 25+ recent comments mentioning funding speed. Here's what users say about it:
Overall, most users appreciate Empower's speedy funding, though a few have encountered slower processing times.