Cash Advance Apps

How much does Empower let you borrow?

How much does Empower let you borrow?

By Editorial Team
Last Updated: Apr 03, 2025

Empower offers cash advances of up to $350. As a new user, you can borrow between $10 and $300, and if you have a positive repayment history, that amount can increase up to $350. The exact amount you can borrow is determined by your eligibility, which is based on the transaction history in your primary checking account.

To qualify, Empower looks for a consistent source of income and regular paychecks that meet their criteria in terms of amount and frequency. You'll need to be at least 18 years old, have a U.S.-based bank account that's been open for more than 30 days, and not be a resident of Connecticut, Maryland, or DC. Keep in mind that if you have an open Thrive line of credit account with Empower, you won't be eligible for a cash advance.

Table of contents

Does Empower actually send you $350?How to get a bigger cash advance on Empower?

Does Empower actually send you $350?

Based on the user reviews we analyzed, getting the $350 maximum cash advance advertised by Empower might not be a sure thing right off the bat. Our data comes from reviews published in March 2025, offering the latest insights into Empower's current practices. Here's the scoop:

  • Don't expect $350 upfront: most people start with advances as low as $25 or $50.
  • Advances can grow: some users saw their amounts increase up to $200 after timely repayments.
  • Limits might drop suddenly: a few folks reported their advance limits decreased unexpectedly, even after paying back on time.

So, while Empower does have the potential to boost your cash advance over time, reaching that $350 peak might require patience and consistent repayment. Keep an eye on your account, as some users have experienced fluctuations in their available amounts.

App reviews talking about Loan Amounts:
"...love it need more advance tho..."
"reliable and easy to use. I got 25 with bad credit..."
"...advance when I need and opportunity to increases as you repay..."

How to get a bigger cash advance on Empower?

Looking to increase your cash advance limit on Empower? Many users have found that consistently repaying advances on time can lead to higher limits. You might start with a small amount like $25 or $50, but with responsible use, some users report their limits growing to $100 or even $200.

Keep in mind that missing a payment or making a late repayment can reduce your advance limit. Some users have experienced unexpected decreases in their limits even after timely payments, possibly due to changes in income or other factors.

To boost your cash advance amount, make sure to maintain a strong repayment history and keep your account in good standing. If you're having issues with your limit not increasing, reaching out to Empower's customer support might help, though some users have found support responses less than helpful.