At a glance
- Access
- Eligibility and amount are personalized in the app.
- Eligibility
- Requires a supported bank account and satisfaction of Empower's eligibility criteria.
- Delivery
- Free standard delivery is available; instant delivery has a tiered fee.
- Repayment
- Repayment is scheduled for an estimated payday; the terms describe the advance as non-recourse.
Cost facts
| Cost item | Current finding | Confidence | Sources |
|---|
| Subscription | $8 per month | high | [1] |
|---|
| Instant delivery | $1–$8 by tier; 3% for $300 or more | high | [2] |
|---|
| No-subscription route | Terms describe an email request option | high | [2] |
|---|
Potential advantages
- Terms disclose a free standard delivery option.
- Terms describe the advance as non-recourse.
Consumer considerations
- The standard in-app experience includes a recurring subscription.
- Instant delivery adds a separate fee.
- A no-subscription request route may be less convenient.
Evidence
- Cash AdvanceEmpower · official help · accessed 2026-08-06
- Cash Advance TermsEmpower · official terms · accessed 2026-08-06 · effective/published 2025-02-06
