Think the credit system is against you? U.S. too. Empower is on a mission to help more people access affordable credit, build their credit history, and rewrite their financial history. No credit score or security deposit to qualify.

(Empower is a fintech company, not a bank. Banking services provided by Member FDIC nbkc bank. Empower Thrive provided by Member FDIC FinWise Bank.)

GET A CASH ADVANCE UP TO $250*
Are you short of cash and tired of asking your friends to cover you? Empower will float you between $25 and $250 when you need it most. Instant delivery available. No interest, no late fees, no credit checks. Simply reimburse us when you receive your next paycheque.

INCREASE UP TO $1,000 OVER TIME WITH AN EMPOWER THRIVE^ LINE OF CREDIT (COMING SOON!)
Start with a $200 line of credit and grow to $1,000 with each payment made on time. Enjoy instant delivery and 0% APR** (when you pay your balance on your next pay date, otherwise 36% APR). Building credit just got a whole lot easier.

GET YOUR PAYCHECK UP TO 2 DAYS FASTER†
Wish payday came sooner? Don’t want it anymore. With the Empower card, you can get paid up to 2 days earlier than most banks.

GET UP TO 10% CASH BACK†
Benefits of a credit card but with a debit card. With the Empower Card, save money on places you already shop, like restaurants, grocery stores, gas stations, and more. No overdraft fees.

GET FREE ATM WITHDRAWALS
Enjoy convenient access with the Empower card to more than 37,000 MoneyPass ATMs across the United States. Use them as often as you want, whenever you want, and never get charged a penny to withdraw cash.

GET FAST SERVICE
We have our A-Team on standby to answer your questions by phone or live chat Monday-Friday 6am-6pm PT. (We also have an email if that’s more your jam.)

TRACK YOUR EXPENSES
Take control of your finances by monitoring your spending against weekly or monthly limits by category. We’ll send you alerts 24/7 to help you do better.

–

Empower charges an auto-recurring monthly subscription fee of $8 (a) after the 14-day free trial ends for new customers, and (b) immediately for customers returning for a second or subsequent subscription . Cancel anytime.

* Eligibility conditions apply. Free instant delivery is available to eligible customers with an activated Empower card.

^ Eligibility requirements apply. Opening an Empower Thrive line of credit restricts access to Empower Cash Advance, with restricted access until the Empower Thrive line of credit is closed and you meet the Empower Cash Advance eligibility requirements . Instant delivery is available for a fee of 5% of the draw amount on the line of credit. We report your payments to the credit bureaus. Pay on time and keep usage low for the best potential benefit. Many factors impact your credit score, and while making payments on time and maintaining low usage can improve your score, there is no guarantee that it will improve your score.

** The annual percentage rate of charge is subject to change. An Empower Thrive line of credit is subject to credit approval. Opening an Empower Thrive line of credit is free. If you choose to pay your draw in full on your next pay date, your rate will be 0% APR; if you miss your payment, you will accrue interest at 36% 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 36% APR or otherwise required by state law.

† Early access to paycheck deposit funds depends on when employer submits deposits. We typically release these deposits the day they are received, which can be up to 2 days before the employer’s scheduled payment date. Cash back rewards on purchases made with the Empower Card, including categories, merchants, and percentages, vary and must be selected in-app. Cashback will be applied automatically when the final transaction is posted, which may take up to a week after the qualifying purchase.