Empower: Up to $250 Advance

Name: Empower: Up to $250 Advance
Rating: 4.76237 (37436 reviews)

Finance

View in App Store

Empower: Up to $250 Advance

Finance

4.8

37.4K ratings

Age Rating

Seller

Empower Finance, Inc.

View in App Store

Price Intelligence:

Average for the Finance category The most popular in-app price for the app

Grow your in-app revenue

while we take care of your subscription management.
Mobile SDK by Qonversion.

Learn more

Price Intelligence based on:

213,534

apps aggregated

8,172,290

in-app prices defined

main categories

In-App Purchase Price (Subscription or Non-Recurring)

vs. average for the Finance category, $, by region

Build, analyze, and grow in-app subscriptions

with the most powerful mobile SDK for subscriptions

Explore

User Reviews for Empower: Up to $250 Advance

The hype is not what it seems

Well I got this app. I was so excited about the payday advance feature. So I was charged the $8 monthly fee the 1 st month. Did not qualify for the second month another $8 charged, on the 3rd month another $8 charged. This time it says you unlocked a $25 dollar advance but would not let me pull it out. I get ssi monthly then it says not requiring enough really I’ve had ssi for 7 years now plus I make deposit about the same every 2 weeks. But then I checked back the next day. There again I was not approved now, but on the other part I was. This is so messed up over $25 dollars. Now I don’t get that. And they will shoot me a generic reply saying “oh we’re sorry to hear your having trouble send me your information and we will help” ya right. You know what I mean. I have thousands of people that will read this. I can’t believe this I given you over $25 for a crappy app. If you are going to do something and don’t and blame it on a glitch. Well that’s pretty sad. Hey guys I will update you on there reply. And I will pay another month. To either add to this experience or give a 3 to 5 star rating if it is done with meaningful sincerity. The $25 dollars is crap even though I should have qualified for at least $50 or 100 because I have more stars hot a higher advance then the $25 I no longer qualify for. I hope you look into this because you have no problems taking my $8 every month

57544dave, Jun 06, 2021

This app is almost genius!

I absolutely love this app. It is by far the best budgeting app I have used, ever. And I have used them all! It also connects to my other bank accounts and credit card accounts, so when it budgets, it budgets ALL OF THE THINGS. So great! The only thing that I hate about this app is that my paychecks are always coming in at inconsistent times. I received my paycheck one day early one time, but as of recently I’ve been receiving my ACH paycheck in late - which is super stressful. You want to know where your money is at all times if you’re a budgeter. So, that’s kind of stressful. If you reach out to support, (and let me just say, the support team is phenomenal), they will usually tell me it takes a certain amount of time for ACH’s to come in - that doesn’t change the fact that it’s been inconsistent most of the time. If the Empower team could figure that issue out, this would be the winning budget/banking app. The look of the app is incredible and aesthetically pleasing. They way it works is user friendly and I get excited to use the app. I wish my paychecks came in on time, that’s the only setback about this app.

ali_vonleikam, Sep 25, 2019

Avoid

Doesn’t link with my credit union so can’t use most of the features advertised. It says it will but whenever I try there is a “problem. Please try again later.” I’ve been trying for 3 weeks. When I contacted support (after some frustrating and counter-intuitive discussions with a Bot) they told me there was a temporary outage with my credit union and to try again in a week. Obviously disappointed and finding this app totally useless I deleted my account. It says all my data and account details will be deleted. Yet when I attempt to re-sign in and confirm my account has been deleted it simply just re-signs me in and all my data is still there and it hasn’t been deleted at all. I don’t know why so many people are giving this good reviews. Perhaps they haven’t used it properly but I was very keen to use empower that I’d already decided I would. I decided to just do some simple tests to put my mind at ease about using a new company and they failed all of those tests: doesn’t link with external accounts as advertised, time wasting bots are the customer support, solutions eventually offered are totally inadequate and when I made my decision that this “bank” (its really a tech company) wasn’t for me I had to repeatedly email and message them to actually manually delete my account (even though the app tells you you can do it from their main menu). New companies will improve the banking experience in the near future. Empower is not one of those.

cheis23, Mar 14, 2019

Almost Perfect

I very rarely write reviews, but for this app I’m going to make an exception. I’ve been searching for a budgeting and savings app for a while now, and I’ve tried competitors like mint and even gave a couple paid offerings a shot. Honestly, this app is far better than the competition. It includes all the same features you’ve come to expect in a budgeting app such as financial advice and linking accounts, but it does it better. One good example of its superior customer experience is the feature to add and remove specific accounts from your financial institution (For instance, if you have a savings account connected to your chase checking account that you’ve never touched, it’s not going to be around to irritate you and take up space.) This app even lets you link your investment institutions and lets you see how your securities are doing right in the app! My only gripe is that for whatever reason I’m having trouble connecting my Robinhood account. If anyone from customer service sees this review, I’d be very grateful for some assistance. : )

cmoniiieyeeyuy, Sep 25, 2018

1/2 star rating..dissatisfied and disappointed

I made a cash app transfer of $94 to a friend. Cash app canceled because the ID I used was not valid. I reached out and got a valid ID to resend. This time it failed. This all took place on Friday May 24. I reached out to Empower and was told it takes a few days for the money to be returned. By mid week I’m reaching out again and was told there didn’t seem to be available funds for that transaction on Friday. Not true. When I pointed that out to CS I’m told they have to look into it to see what is going on. Tomorrow is May 31 and I still don’t have my money back into my account. How complicated is this? Checks and balances. Since you can’t overdraft and all transactions are listed on dashboard why is it difficult to determine what happened? By checks and balances I should have a balance and I don’t. In all of my years of banking I’ve never encountered this. CS is nonchalant, it may not be important to them however it is to me. I’ve been using Chime bank. I will be going back to Chime. I had misplaced my Chime debit card and had to wait for a replacement so I thought I’d try Empower. I should have just had my DD put on my Cash App card. I give 1/2 a star. I’m so disappointed. I would steer clear of such a bank that takes this long to resolve an issue as simple as this!

grace in PA, May 31, 2019

Worst APP ever

This app deserves zero stars. The firstTime I tried to get a cash advance it keptSaying it didn’t see my deposits when they were clearly in my account. Reached out to tech support and it was going well until different tech supports were involved. They asked me to provide screenshots of my deposits which I did as well as who it’s from which was my employer. The whole reason for the screenshot was to prove that the deposits were in my account and recent since the system could not detect it. The last rep was oblivious to the entire support ticket between myself and his team members..asked me the same questions, didn’t sound like he even took the chance to read through the transcripts. Been going back and forward for about a week to get this before the holiday and now someone else tells me that they can’t accept the screenshots and that the money isn’t in my account!!!! Who are you to tell me what I have in my account when all screenshots were provided and where in the policy does it say screenshots can’t be provided when there is a technical issue with the app!!! It’s madness, it shouldn’t be this hard to get a cash advance when the proof is there but your app isn’t working. I’m uninstalling and moving on, seriously worst app ever.

Meiweilo, Dec 11, 2020

DO NOT GET THIS APP...I REPEAT DO NOT

This app does not allow the user to unlink their account, which is a cause for concern. I want to cancel because they charge a $6/month fee for all new users. Before I cancel I want to remove my linked bank account but the app does not let you remove it. To cancel you have to email them and wait to get a response. I literally was on email all day back and forth to then have the person from Synapse say they can’t help me because they don’t know about the Empower app and they only handle the back-end banking. I asked who can assist me with the removal and she never replied. I googled and found a number which led me back to Synapse live person and explained everything again. At least this person emailed Empower app, cc’d me to get try to get some resolve. Which unfortunately did not happen, as I asked if they (Empower) can remove my linked account on the developer end and I got no response to my question. DO NOT USE THIS APP. The 1.6% is not worth the headache of the run around and non responsive Synapse customer support. Find an online bank that offers same or better rates with no headaches when you decide to cancel.

nioleeo, Jan 16, 2020

FAILURE AND TOTAL GARBAGE

Empower is one of the most worthless and quite frankly, utterly useless “financial/banking services” I have ever encountered. Thankfully my unfortunate mistake of signing up with Empower; will be other people’s gain. I have no problem describing what a pathetic joke the feeble attempt at customer service Empower haphazardly provides to it customers. I can imagine how it would be nothing less than a total embarrassment if I had to admit to people that I worked at or was in any associated with such a deplorable and disheveled wreck of a company that Empower truly is. Seriously. I would say that perhaps Empower can bilk their investors out of more money so that their totally incompetent robot customer service staff could be trained on what “customer service” actually means. Alas, I believe that would just be an exercise in futility. I simply cannot wait to be the first person in line to attend the party that will be held upon the news of this company’s inevitable, and 100% deserved, abject failure. I can hardly contain my glee because the thoughts of Empower being dissolved into total non-existence is a delight of which I will always be ready to enjoy. Always. TL;DR - EMPOWER AND ITS USELESS ROBOT CUSTOMER SERVICE STAFF ARE GARBAGE - JUST LIKE THEIR “PRODUCT”. STAY AWAY FROM THIS TOTAL MONEY STEALING SCAM!!!

SF Christopher08, Apr 16, 2019

Do not use this app!!

The worst app I have ever used!! I do not ever take a min to write a review about apps but this one I must! First off, the criteria for a cash advance is written specifically for people that wouldn’t even need a cash advance in the first place. You have to maintain a $50 balance for so many days for 4 pay periods. So, why would I borrow $50 if I could keep $50 in my account? Also this app charges monthly fees for what I don’t even know. What they charge you for, other apps have been doing for a while now. The customer service is terrible. They read scripts and will just disconnect the chat whenever you as the customer are right. This place is a scam!! They cold-heartedly trap people into paying $11 or so a month in hopes they might qualify for advances in the future. I receive over 2k a month through the account connected to this app and told I don’t qualify for not maintaining a $50 balance. When I explained I move money to my savings account every pay period they said there wasn’t anything they could do. Thankfully, there is one thing I can do...cancel, never use again and share my experience. THIS PLACE IS A STRAIGHT SCAM!!!Update: they apologized and explained there auto save feature costs $8 monthly. I can auto save from any account for nothing and my bank already advances me $200 every payday. This app is completely worthless!!

shawnbb13827, Apr 29, 2021

Excellent Service

Just when I thought I was out of options and nothing was going to arrive in time…. Seriously I tried like 20 different things and they we not going to cut it…. Some not available at all, some available but with a wait that could have been many days, some 2 days, most were either 24 hours or until the next business days, some with one type of error, others with another, others needed me to watch 100 videos and sign up with 10 partners, and apply for a credit card, blah blah blah….. I was stuck on the side of the road in near 100 degree heat and having to walk a mile to a gas station and walk back because nothing would work…. And then I remembered Empower!!! And sure enough I got enough money to get my gas can filled up, and me back on the road to my job I was late to! Better later and frustrated…. Then Never and job lost, and whole life as I know it annihilated….. Empower really empowered me to have the power to climb back up from what seemed like a bottomless pit and be powering myself up back to the top of my game and…. If not better life but at least not significantly worse… so in a way it did Empower me to have a better life because there is a good chance without it… and this measly $10…. I would still have to power up to a better life and be doing much worse with $10,000s less in the long run….. Thank You Empower!! Please don’t stop saving lives with access to immediate simple $10 advances!!!!

Thuglyfeouthere, Jul 21, 2022

Description

Think the credit system is stacked against you? So do we. Empower is on a mission to help more people access affordable credit, build their credit history, and rewrite their financial story.

No credit score or security deposit to qualify. (Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. Empower Thrive provided by FinWise Bank, Member FDIC.) GET CASH ADVANCE UP TO $250* Tight on cash and tired of asking friends to cover you? Empower will float you anywhere from $25 to $250 when you need it most. Instant delivery available. No interest, no late fees, no credit checks. Just pay us back when you get your next paycheck. BUILD UP TO $1,000 OVER TIME WITH AN EMPOWER THRIVE REVOLVING LINE OF CREDIT^ (COMING SOON!) Start with a $200 revolving line of credit and grow to $1,000 with every on-time payment. Enjoy instant delivery and 0% APR** (when you pay your balance on your next paycheck date, otherwise 35.99% APR). Building credit just got a whole lot easier. GET YOUR PAYCHECK UP TO 2 DAYS FASTER† Wish payday came sooner? Wish no more. With the Empower Card, you can get paid up to 2 days earlier than most banks. GET UP TO 10% CASHBACK† Perks of a credit card but with a debit card. With the Empower Card, save money on the places where you shop already, like restaurants, grocery stores, gas stations, and more. No overdraft fees. GET FREE ATM WITHDRAWALS Enjoy convenient access with the Empower Card to over 37,000 MoneyPass ATMs across the US. Use them as often as you want, whenever you want, and never get charged a single dime for taking out cash. TRACK YOUR SPEND Take control of your finances by monitoring your spend against weekly or monthly limits by category. We’ll send you 24/7 alerts to coach you on how to do better. – Empower charges an auto-recurring monthly subscription fee of $8 (a) after the 14-day free trial concludes for first-time customers, and (b) immediately for customers returning for a second or subsequent subscription. Cancel anytime. * Eligibility requirements apply. Free instant delivery is available for eligible customers with an activated Empower Card. ^ Eligibility requirements apply. Opening an Empower Thrive line of credit restricts access to Empower Cash Advance, with access restricted until the Empower Thrive line of credit is closed and you meet the eligibility requirements for Empower Cash Advance. Instant delivery is available for a 5% fee of the draw amount on the line of credit. We report your payments to the credit bureaus. Pay on time and keep utilization low for the best potential benefit. Many factors impact your credit score, and while making on-time payments and keeping utilization low may improve your score, there is no guarantee this will improve your score. ** The Annual Percentage Rate is subject to change. An Empower Thrive line of credit is subject to credit approval. There are no costs to open an Empower Thrive line of credit. If you choose to pay your draw in full on your next paycheck date, your rate will be 0% APR; if you miss your payment, you will accrue interest at 35.99% 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 35.99% APR or as otherwise required by state law. † Early access to paycheck deposit funds depends on the timing of the employer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the employer's scheduled payment date. Cashback deals on Empower Card purchases, including categories, merchants, and percentages, will vary and must be selected in the app. Cashback will be applied automatically when the final transaction posts, which may be up to a week after the qualifying purchase.