Apps Like Empower (Now Tilt): 12 Cash Advance Apps Compared by Cost

Empower, the cash advance app, renamed itself Tilt in August 2025, and its advances work the same way. (Empower the retirement and investing company is a different business, and this page isn't about it.) Tilt advances $10 to $500 for an $8 monthly membership, which it waives if you ask. Delivery is free onto its own debit card or by standard transfer, and sending money to another bank instantly costs $1 to $8 by amount, or 3% from $300. For $100 repaid in 14 days, Tilt costs $13.00 sent instantly to your bank, or $8.00 onto its card, membership included.

Here's what 12 other cash advance apps charge for the same advance, worked out from each company's own pricing pages, terms and help center, checked on October 30, 2026. Where an app's own pages disagree, or it publishes only a range, we show the range.

What $100 and $200 Cost Next to Empower (Tilt)

Repaid in 14 days, counting one month of membership where most people pay one to get advances, and before any tip. Sorted by the most each app could charge for $100 sent instantly to your bank.

• For $100 sent instantly, Dave, EarnIn, MoneyLion, Albert, Klover and Chime cost less than Tilt once memberships are counted.
• For $200, EarnIn, Albert and Chime cost less than Tilt's $15.00.
• If Tilt waives its membership, it costs $5.00 for $100 sent instantly.
• At standard speed EarnIn, MoneyLion, Albert, Klover, Chime and Current cost nothing, while Tilt costs $8.00 with its membership.
• Chime, Varo, Current and Cash App pay only into their own accounts, so their instant price assumes you bank with them.

Why People Look for an Empower Alternative

• You'd rather not pay a monthly membership. Tilt's $8 is charged every month, whether or not you take an advance, unless you email and ask Tilt to waive it. EarnIn, MoneyLion, Albert, Klover, Chime, Cash App, Varo and Current don't charge a membership for advances.
• You need more than $500. Tilt's offers top out at $500, and it says the average offer in the third quarter of 2026 was $96 for first-time customers and $178 for others. MoneyLion, Albert, Klover, Chime, Varo and Current can go higher, though few people qualify for their top amounts.
• You live in Connecticut, Maine or Washington, DC. Tilt isn't offered there. In Connecticut, EarnIn, Cleo, Chime, Current and FloatMe aren't offered either; in Maine, Cleo and Chime aren't, and Brigit caps advances at $250.

The 12 Alternatives, Briefly

Each app's full fees, limits, requirements and legal status are on our comparison of Dave and 12 other apps.

Dave

Dave also charges a monthly membership ($3 to $5), plus a 5% fee (at least $5) on every advance; instant delivery is free into Dave Checking and 1.5% to a debit card. Up to $500. Instant, membership included: $9.50–$11.50 for $100 (Tilt $13.00), $16.00–$18.00 for $200 (Tilt $15.00). Full details

EarnIn

EarnIn has no membership: you pay only for instant delivery ($3.99 to $8.99 by amount) and any tip you choose, up to $200 a day. Instant, membership included: $5.99 for $100 (Tilt $13.00), $8.99 for $200 (Tilt $15.00). Full details

Brigit

Brigit also pairs advances with a membership (Plus, $8.99 a month in its help center) and charges $0.99 to $5.99 for express delivery. Up to $500. Instant, membership included: $6.98–$15.98 for $100 (Tilt $13.00), $6.98–$15.98 for $200 (Tilt $15.00). Full details

MoneyLion

MoneyLion has no membership and optional tips, but instant delivery costs 9% to your bank (7.5% into its Spend account). Up to $500, or $1,000 with direct deposit into Spend. Instant, membership included: $9.00 for $100 (Tilt $13.00), $18.00 for $200 (Tilt $15.00). Full details

Albert

Albert has no membership and puts advances into Albert Cash instantly for free; moving the money to your bank right away costs $5.99 or 1.75%. Up to $1,000, due in six days. Instant, membership included: $5.99 for $100 (Tilt $13.00), $5.99 for $200 (Tilt $15.00). Full details

Klover

Klover has no membership; it lists the most it charges for express delivery at each amount, such as $9.49 for $100. Up to $750. Instant, membership included: $9.49 for $100 (Tilt $13.00), $15.25 for $200 (Tilt $15.00). Full details

Cleo

Cleo pairs advances with a subscription ($5.99 a month for Plus on its pricing page) and charges $4.49 to $14.99 for express delivery within 24 hours. Up to $250, or $500 on its Builder plan. Instant, membership included: $10.48–$20.98 for $100 (Tilt $13.00), $10.48–$20.98 for $200 (Tilt $15.00). Full details

Chime MyPay

If you bank with Chime, MyPay advances up to $750 with no membership: 3% for instant delivery ($2 to $5), or free within 24 hours. Instant, membership included: $3.00 for $100 (Tilt $13.00), $5.00 for $200 (Tilt $15.00). Full details

Cash App Borrow

Cash App Borrow is a bank loan of up to $500 with no membership, but its flat fee on every loan is shown only in the app. Cost: not published, so we can't set it against Tilt's $13.00 for $100. Full details

Varo Advance

Varo has no membership or instant fee but charges 8% of every advance, or 20% without $800 a month of deposits. Up to $700 for Varo Bank customers. Instant, membership included: $8.00–$20.00 for $100 (Tilt $13.00), $16.00–$40.00 for $200 (Tilt $15.00). Full details

Current

Current has no membership; free delivery into a Current account takes up to 3 business days, and the instant fee is shown only in the app. Up to $1,000. Cost: free at standard speed; the instant price isn't published. Full details

FloatMe

FloatMe's membership is cheaper ($6.99, skipped if you email and ask), but it advances only up to $200, with instant fees of $1 to $10. Instant, membership included: $14.49 for $100 (Tilt $13.00), $16.99 for $200 (Tilt $15.00). Full details

Tilt's Own Fees and Limits

Tilt's instant delivery fee depends on the amount; delivery onto the Tilt debit card or by standard transfer is free. Maryland and Wisconsin cap the instant fee.

• The $8 membership starts after a 14-day trial for first-time customers; returning customers pay at once. Tilt waives it if you email [email protected] and ask, and some long-time customers pay $6 or nothing.
• Delivery onto the Tilt debit card arrives in about a minute, a standard transfer in about one business day, and a paid instant transfer to another bank usually within an hour.
• No interest, tips or late fees, and Tilt says it doesn't consider credit reports for advances. It reimburses bank overdraft fees its repayment causes.
• Tilt takes repayment on your next detected payday and needs three business days after that before offering another advance. It isn't offered in Connecticut, Maine or Washington, DC.

Legal status: In October 2025 a federal court in California ruled that Empower's cash advance is consumer credit under the Military Lending Act and refused to send the case to arbitration; Tilt has appealed.

Need more than an app will advance, or longer to pay it back? See the loan options for your state.

Common Questions

How We Checked

We read each app's fee schedules, terms, help articles and App Store listing, plus regulators' releases and court records. The totals are our arithmetic from those fees. The sources for the other 12 apps are listed on our comparison of Dave and 12 other apps.

← All 13 apps compared