Empower: Cash Advance & Credit Positive Reviews

Empower: Cash Advance & Credit App User Positive Comments 2024

Empower: Cash Advance & Credit app received 29 positive comments and reviews by users. Can you share your positive thoughts about empower: cash advance & credit?

Empower: Cash Advance & Credit for Positive User Reviews

✓ One of the ONLY loan apps that’s HONEST!I’ve been using the app “Empower” now for about a month and so far so good, I basically have zero complaints except for one. When I first got offered a cash advance it was $10 which is understandable since I was a first time customer. I repaid on time and got offered another cash advance for $25 which really helped me A LOT at the time so I can’t thank them enough but now I’m on my 4th advance with empower and they still have not offered me more than $25 even though my account is in good standing and have never had a late payment. Is it maybe a little annoying? Yes, of course but are they still helping me? Yes. All in all, I think empower is a great app to help you if you’re needing a little extra money for things like gas, food, etc. but I wouldn’t download this app thinking you will be able to get a cash advance to help you pay for a somewhat “large purchase” unless you already have really good financial history but let’s be honest; most people who use this type of app are the people who probably have a little hiccups in their financial journey because the people empower would offer higher cash advances too are the people who don’t need to download a cash advance app..MikaylafrancisVersion: 6.5.0

✓ Almost Perfect AppThe only opportunity I see for improvement is that I’m able to link up all my accounts except my Alliant Credit Union Account. I’ve seen some reviews where people are also having trouble linking up their credit union account. Also, the maximum you can transfer is $2,500 per week. What?!? At least make it $10,000. I was trying to transfer $10,000 from my Chase to my Empower savings account to take advantage of the competitive APY but the transfer limit is way too low. What if I needed money for an emergency and I had most of my cash in Empower?! That’s the only reason why I would not make this my primary savings account.. until they increase that to at least $10,000. The app also sometimes doesn’t open up and you have to close application and try to open it again. It’s intermittent. Other than that, this app is great. It has all your balances and investments in one place. They help you renegotiate bills which I thought was not possible at all. I also love the user experience, one of the best..PhilsilogVersion: 2.13

✓ Honest review from a struggling social workerHey all, Times are tough and I have a predisposition to be irresponsible with money. A couple years back a got sober and noticed some of those addictive behaviors showing up in different parts of my life- in this case my finances. Empower has tools to help educate people on savings, banking, and finance 101. With this app I’m regaining confidence in my purchases and saving ability. While learning more about responsible finances my roommate lost her job and was unable to pay the total amount of her side of rent. I didn’t budget for this- with their cash advance I was able to help out and with the educational material I’ve engaged with I feel confident having uncomfortable financial conversations with the people in my life. I was able to figure out an acceptable payment plan for my roommate where it wouldn’t burden either of us while she paid me back. Great app..NotToBadDadVersion: 5.92.0

✓ Easy, fast, highly recommended for quick fix to financial jamsI was nervous signing up for this service, afraid of being scammed as everyone is these days. I was pleasantly surprised to find that this actually is a true and easy way to bridge the gaps until payday. Overdraft fees are MUCH more costly and Can add up daily. Banks these days are hurting for funds with more and more options to do financial transactions with other outfits solely online. My bank squeezes money from anywhere they can manage from my account rather then help me save and earn , they take and take when money is there or not and the fees continue to add up daily! This advance is free and will reduce 4 days of overdraft fees from my bank until my direct deposit Friday! Could recommend more for those of us living from paycheck to paycheck! This can provide the stress relief you have been searching for!!!!.GodsGraceisthePlaceVersion: 5.117.5

✓ GREAT APPIt’s not great at all but apple wouldn’t publish my review I guess because I was honest but I bank with chime so it’s only so many apps I can use empower was one of them the first issue came about when I couldn’t get an advance because they told me they didn’t see any direct deposits in my account which there was but the next pay I was able to get only a 10 dollar advance with a 875 dollar pay check….I got the free trial and had put for them to bill my chime account so I could continue to advance if I needed fast forward I had got my 10 dollar advance and I had it to put it on my empower card because I didn’t wanna pay a 3.00 fee for an instant transfer to my chime and soon as they gave me my 10 dollar advance they took it 8 dollars within the 10 mins and then support told me they took the 8 dollars for my subscription I told them I understand that but I didn’t tell you guys to take subscription money from my empower card I even told them I didn’t even set my empower card up or order one when I first got the free trial and choose chime as my bank I asked support to give me my 8 dollars back because how do u guys expect me to pay the 10 back when y’all took it and I couldn’t even use it they told me they weren’t giving me a refund and that they would cancel my subscription and not give me MY MONEY back horrible app don’t use it at all!.Dakota Livingston.Version: 5.100.0

✓ It actually worksEmpower is an absolute lifesaver when it comes to managing unexpected financial challenges. The ability to access up to $250 instantly, with no fees attached, is a game-changer. It's incredibly reassuring to have a legitimate source of quick cash when needed, especially during tight financial situations. I've found Empower to be a reliable and convenient solution whenever I've encountered unexpected expenses or needed a little extra cushion between paychecks. Having used Empower myself, I can confidently recommend it to anyone facing similar financial constraints. If you have a consistent income stream and find yourself in a bind every now and then, this app is a must-have. It's user-friendly, efficient, and provides a much-needed safety net during times of financial uncertainty. Empower has truly helped me navigate through challenging financial times with ease, and I wholeheartedly endorse it to anyone seeking financial flexibility and peace of mind..Jalen904Version: 6.16.0

✓ Love thisI’ve tried other apps like this but they either didn’t raise my amounts or charged an arm and a leg but this one so far has been up front about the charges and after I paid twice they raised my amount which was so helpful at that time and I also use their savings feature and before I knew it I had a few hundred dollars out away which was also amazing. I really like how now you can choose the amount you need you don’t have to take the whole loan if you don’t need it and I love that. I also had some issues with my email and was locked out of my account and at first I was upset I couldn’t just reach a live person but I followed all the steps and they literally fixed my account and had me back in it within 30 minute last on a Sunday night so I’m very happy and will continue to be a faithful customer and all my other apps have been deleted and I tell all my friends because with the way things are right now we all need a little help once in a while and this app has really pulled through for me every time I’ve needed it.Spacewitch 1976Version: 5.97.0

✓ Pleasantly surprised!!I am surprised but happy for the app being a success. I thought honestly it was going to be like the first time I signed up a 1 or 2 years ago but then closed my account because I paid a subscription fee for 2 months and never received any advance since I was only able to take out$10 even though I was making $1800 bi weekly. This time around I have my check going to 2 accounts 80% in one and 20% in another so I connected the 1 with 80% and I said it wasn’t surprised when it told me it couldn’t recognize any reoccurring payments for direct posits even though on my account dec, Ashford clearly shows the name of my employer, and deposited direct deposit even said direct deposit next to the employer name! So I was going to close the account again today and when I thought I connect my second account with 20% of my check first just to see what happens since I was being told I was already approved for $25 but after connecting the second account recognize the checks that I have direct deposit it and I actually approval for $75!!! So now I’m going to keep my account open for now. Thank you for partially fixing the system..Ashleyc86Version: 5.71.0

✓ Empower is a lifesaverSometimes you just get in a spot, other times you aren’t being paid enough to survive… either way and anyway if you need a front, empower can do that for you. I started at like $50-$75 and it’d grab it at my next paycheck, which is perfect for those last few days where the ol “stretch it out,” technique is used. No longer do you have to spread yourself thin. What else is great is if you are consistently paying back your fronts, eventually you’ll qualify for “Thrive,” within Empower which is a line of credit for you to use, it can grow up to $1000 and you can split payments between multiple checks depending on the amount. As you start to realize roughly what you’re drawing is the amount you should either work a few more hours if possible or pick up a side hustle, once you get ahead, this can help you build your credit..RespectUrCustomerVersion: 6.14.1

✓ The app works, but needs improvement.I downloaded this app a few years ago when I was in a bad place financially and it helped me get through some very tough times, and I appreciative of the apps help. However, I don’t like that fact that you have to pay a monthly membership fee, and that they try and force a bank account on you. Also, the app has a serious delay in keeping up with my actual bank accounts balance and purchases. It will notify me I was paid 3 days after the money hit my account. This app has also taken money out of bank account unexpectedly without explanation. It took 4 weeks after redownloading the app for it to accept me for a small $75 advance. I’m in a much better situation financially now, so I use the app mainly for bill tracking and savings. Overall, it’s a trust worthy app, but stay on top of your bank account while it’s connected. It also won’t connect to any prepaid card, only real major FDIC banks. It needs some improvements for sure, which is why I resulted in a 4 out of 5 stars review. Download it and give a shot!.Jokers.Vice98Version: 6.7.0

✓ Could use some workThey have a good system going on, good banking, borrowing system etc. the frustration only sets in when you want things to happen because every process in the app is slow: I was prompted to link my Chase Bank with Empower, and with linking my bank, I expect the application to report banking actions as they happen or at least within the hour… for example, I get paid on fridays… I get the notification of my direct deposit days later. Same thing with regular store purchases. Their lending service is appreciated: I can borrow $50, $75 (If I agree to have it sent to the credit card they sent me), or $200 if I sign up to get direct deposits through Empower. I would sign up for direct deposits but am hesitant that I will not get paid right away due to their already slow services. Lastly, I want to shed a little more light on their lending service. Whatever I borrow, I have to pay it back, I get that. But what irritates me is that it takes about 5 days for that repayment to process, which means I can’t borrow from them until that repayment clears through them. Most apps I borrow from only need about 1 business day for repayment to reflect on the app and I can borrow again. Not Empower, no. I have 4/5 starts because I appreciate the services and am glad they can help people like me lot. But the company itself is flawed and they should really take a second to improve on the issues listed above. Thank you!.Kibby la bellaVersion: 5.11.0

✓ Great for when in needI have used 4-5 different CTP apps before. All of them have their pluses and minuses. My biggest plus for Empower is that they offered a higher rate then any other app I’ve used in the past. Other require you to build trust first before raising available funds. Empower gave me that trust just after my first CTP loan. Really helped me to avoid a late fee on a bill, when I didn’t get paid until the following day. They take very minimal fees and was super easy to use. Highly recommend this app for people who work full time and receive a regular basis direct deposit. I can only speak for myself, as I’m unaware of what they offer for others who maybe work part time or don’t have a steady reoccurring revenue. I was able to borrow $150 on day 1 of using the app. Paid it back the following week and 3 days later they offered me a $250 loan. Again, this is my experience and I’m sure everyone else’s can be different depending on a multitude of qualifications Empower likely reviews and requires. Only one way to find out! I recommend giving it a shot, if your needing some extra CTP during these hard times in our country. Let’s Go Branden!!.TEAZYJ5454Version: 6.3.0

✓ Genius Banking for MillennialsInitially, I have been Using this Bank for a few Months Now, I admire when I use an ATM, this Bank give me back the Fees that, the ATM Charge me., so please keep up the great Work. Furthermore, when I need assistance, please respond within a timely manner, The previous Bank you guys were using the Deposited $9989 dollars within my Account, then I wrote you guys I never received a response for weeks. Moreover, this incident was an internal error on you guys part. Therefore, the bank should give me the Funds instead give me the funds. Moreover, I hope this does not ever happened again., Thanks for swishing Banks Partners. 👑👏🏾👏🏾💯, continue to provide us with 1.00 yield, a lot has happen with this my accounts now you guys are living another Bank, I’m confuse with the Switch. This New Bank is doing a good Job. Just continue allow us to receive or Funds, thank you for letting us know about the switch of Banks..Khem HeruVersion: 5.31.1

✓ Terrible customer serviceRating it 5 stars as this is the only ratings that show up, but if I could give this app -5 stars I would. This app worked fine for a bit, and thankfully I was able to move into a place where I didn’t need to be taking cash advances out. I decided to resubscribe as I had some bills coming out I needed extra funds for, though for whatever reason every time I tried resubscribing through the app, there was no response. Apparently the only way you can resubscribe through the app, so I had to resort to contacting support, who tell me that my account is now not eligible to join (the same exact account I had used before with no issues) and they refused to provide me with any reason as to why. If it works for you great, but if you actually have an issue don’t expect any support from them..SamWill9098Version: 6.14.1

✓ 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_vonleikamVersion: 3.1.7

✓ Empower: online banking and servicesEmpower has helped me keep track of my spending and when I have been short on money at first the cash advance they offered me wasn’t really that much but I accepted it and repaid so the next time I needed another cash advance they were here to help.. If you are in need of a larger lump sum this isn’t the app for you however if $25 your first advance would help along with a tracker to help you see what you are spending and bills you are paying then I recommend Empower. they also have an excellent customer service to chat with online if any questions you may have. Empower offers an online checking and savings account also. These accounts grow interest to help save even more with access immediately to both accounts whenever you need to deposit, withdraw. Track. Or even ask any questions 24/7.. Thanks emperor for your service and trusting me with the cash advance offer..JenniferLynWVersion: 5.51.0

✓ Great App!I gave this app 4 stars simply on the matter that I’ve had Empower since 2021 and at that time they didn’t except my Banks. I’ve had some e-mail issues that have caused me to change my email address so when downloading the Empower app again I had to go thru much headache just trying to update my phone number as well as my email address. It was a bit hectic and still isn’t fixed in its entirety, however, once emailing customer support and being able to actually get into my account, I was instantly approved for a $25 Instant Loan which was directly deposited into my checking account onto my debit card as soon as I accepted the offer and added my debit card information. I really only needed a few dollars to make it to work and collect my bonus check and I had little to NO petroleum in my tank. Thanks to Empower, not only was I able to add a few dollars to my gas tank, I was also able to stop by McD’s for a breakfast sandwich and coffee, lol. Came in handy at the right time. I will change my 4star to a 5 star once I get my credentials with my account situated. Other than that, so far so good, can’t wait to see what else Empower has to offer. Good looking out Empower! Keep up the good work..Bossz LadieeVersion: 5.76.0

✓ Almost PerfectI 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. : ).CmoniiieyeeyuyVersion: 2.3

✓ Excellent Way To See All Your Financial Info In One Place!Excellent Way To See All Your Financial Info In One Place! I like that i can see every account and every transaction and even investments and credit score. Not to mention they offer their own debit card if you want to keep money woth them or make a savings plan. TO THE DEVELOPERS: Great work guys… I’m giving 5 stars, but there is one very very important thing you guys should DEFINITELY add to your already great product… If you found a way to incorporate Crypto, you’d attract a bunch of new blood and money to your platform. We need as many banks and bank services that are crypto friendly as possible. Have a look at Juno and how they do it… they are my favorite rails/onramp-offramp to buy and sell crypto Fast, Free (only exact mining fee’s are incurred) , Safely, & Reliably. Juno (used to be called OnJuno) is exactly what the bank of the future should look like and anyone that can out do them or compete with then has a very bright future… they’d be extremely hard to beat, but if you took a page from their book it couldnt do anything but help for sure in my honest opinion 😉👌🏻 But anyways, great work on what you currently offer, I really enjoy it and use it almost daily as a rule..New Jack...Version: 5.119.0

✓ Amazing AppReally great app. Cash Advance when you need it most. Quick and easy set up and funds deposited to your account instantly. Now you can only get your advance within 18 days of your paycheck but if you’re like most people and get paid every two weeks it’s there WHENEVER you need it. As with any loan app there is a fee to accept your advance but it is extremely reasonable in comparison to the amount they allow you to borrow. They give you your limit and you can accept any amount within that. I would say the only downside is that you’re only able to accept an advance ONCE (1 time) in a pay period so you have to accept whatever amount you think will hold you over until the next pay period. Overall, EMPOWER is a great app that gets you the money you need in the simplest and easiest way possible. I highly recommend!.BriiCoa93Version: 5.113.0

✓ First time user don’t always go by reviewsFirst I will say I’m the type to always read reviews and base my decision on reviews but always remember everyone bad experiences does mean it will be urs So I seen a ad on Facebook for empower and I’m in a situation where I’m in need of a few dollars until next pay day I just signed up a few mins ago the process was easy and fast it gives u a 14day free trail I was able to link my chime card and I was given a $75 advance I transferred the $75 to my chime card and had $75 in seconds my pay back fee is $79 $75 plus $4 instant transfer fee u do get the decision to get it instant for a fee or get it in 2 business days for free everything was fast and easy before I recommend to anyone I’m gonna see how the pay back goes and gave it another go around if needed but so far so good Thank god I didn’t go by the reviews cause I wouldn’t have that money in hand right now that I really needed.BrittBaybeeVersion: 5.97.0

✓ Great for keeping track of where you spend your moneyI have been on the hunt for the perfect financial app to help me with budgeting and goals. My ideal app would be able to link to my accounts, I would be able to easily see the different categories that I am spending money on (food, shopping, bills, etc.) and I would be able to create my own financial goals (for vacations, large purchases, etc.) Empower makes it SUPER easy to see exactly where your money is going to. It makes it easy to change thing from category to category if need be. Empower is easier to use compared to the other financial apps I have used including Mint and Clarity. My one request is to add a way to create personal financial goals. I want to be able to say “I want to save 10,000 in the next 3 years for such and such, where can I save money and how much money do I need to be saving per month in order to make this goal?” If I had that, Empower would be a five star, for sure..QrocoVersion: 2.0

✓ A like..a good business relationshipVery good app. Service has been quick, easy to use and efficient. I honestly haven’t had any issues at all. If your income is routine and you’re paying back advances on time, sometimes early..you’ll definitely see the benefits of using it. I went from $25 to $150 in about 2 months. It’s like..a good business relationship. I take out advances pretty often and basically use the funds as a boost to my current income so that I have more money on hand to spend and don’t have to tap into my savings. To be honest, I wasn’t even saving before, the app actually made it possible for me to save. I’m also considering signing up for the credit builder upgrade too. Definitely allowing me to take my finances and resources more seriously, I’m seeing the progress. 10/10 would recommend and I literally just did like a week ago. Appreciate the support :).Bigs333Version: 6.3.0

✓ EmpowerThe Empower app is a very easy & affordable if your stuck in a bind & need absolute cash immediately. They will lend you cash within 3 minutes & give you options on when & how to repay back your loan.. They start with an amount according to your monthly income & give you the options to pay on dates that are workable for you.. Also as you borrow & repay back your loan,, they’ll increase your next amount you wish to choose..The more you borrow, & absolutely pay back on the due date. They’ll increase your borrowing limit. Even up to a $1000… if needed, but you need to build the trust.. they monitor your spending amounts where & when..which will help you automatically.. They do have a $8 fee( monthly ) which is very reasonable for what they’re offering. I highly recommend the Empower App.. to everyone who needs cash immediately.. once you read through all the agreements & accept. You will be on your way to immediate cash in your account.. I hope everyone enjoys the Empower App.. the way I do!!!! I only borrow what I actually need at the time.. Best App EVER!!!.KellydgirlVersion: 6.19.0

✓ So thankful for this legitimate just-in time app!I was a few days out from my next paycheck & had an unexpected large bill come up & saw a review for this on Nerd Wallet & decided I would see if they could assist me. VERY easy to use & understand & for those saying that the fees are high, compared to the rip off & predatory payday loan companies fees & interest, Enpower’s OPTIONAL monthly fee is pennies compared to those. Empower also encourages you to SAVE money & does a great job of your explaining how their program works. My approval was fast & easy. Empower verifies your banking information through Plaid (a secure site) and I TRUST Empower with my information. They provide information on how you will pay the money back as well so that you can make an INFORMED decision before you decide if you want to utilize their services or not. For me they were a lifesaver & I am so thankful for them, for Nerd Wallet for the information on Empower & for this app!.Gladtobeamomof3Version: 5.117.5

✓ Probably the best App for this type of thingI would have to say Empower is probably the best company that I’ve worked with so far that allows you to get an advance or even their credit line. I’ve worked with many of these companies, including like Earnin, Dave, etc. and this one just works. It’s like helping me get out of a paycheck to paycheck cycle because prior I was using it for advances on my paycheck but now I’m able to use your credit line which I pay back on time and it’s helping my credit. It wasn’t a long process at all. I feel like I signed up and either within a few hours or the next day I was able to get an advance. And with the credit line after using the advance two or three times I was offered the credit line. It also has this really nice feature that allows you to track your spending, create budgets see how much money you’re spending visually and track your credit. It is literally an app that is helping me with handling money, I really love Empower. it’s like my personal financial advisor!.RockStar_Kanye__Version: 6.15.0

✓ I was skeptical at firstSo just like any payday advance app I was skeptical about using it because they’re never legit, but it’s been a little over a year that I’ve been using the empower app and it’s great when I need a little cash to hold me over till next payday or if an emergency comes up and I’m short on funds. The most you can get it 200$ but it also gives you 2 other amount if you don’t need to narrow the max amount offered, when accepting the amount it tells you all the fees that are to be paid back on your next payday, the money deposits into my bank account in less than 2 minutes when paying the extra fee. I’m not 100% percent sure if this app actually helps your credit but I’ve noticed that since I’ve been using it and I’ve been paying the loan back on time my credit score has increased by 58 point, yes I said that right 58!! There is a monthly fee to use it but it’s only 8 dollars which isn’t bad compared to some of the other fees I’ve seen from less promising payday lenders. I would highly recommend this app!.T-Rex_26Version: 5.104.0

✓ Simple & Fast/ Pros & cons IMO!Took me 4 minutes to sign up and receive my first $25. I just did it to see if it works and apparently the more you use this app to borrow and how fast you pay each loan amount back depends on how quickly the next borrowed loan amount increases. I set it up to pay it back in three days because that’s technically when I get paid again. It’s suppose to go to $50 after that so we will see. (UPDATE/EDIT: didn’t go to $50 after the first time, stayed at 25 for second offer after I paid it back on time, on the scheduled date I picked. Once again it says will go to 50 so m gonna borrow one more time just to see. I was thinking maybe you need to use the app often to receive a higher offer.) I don’t care for the fee you have to pay for get the $25 it was $2. No big deal. So the $27 doesn’t have to be paid till you schedule to pay it back. Also, not a fan of the $8 monthly fee after the 14 day free trial. If I’m already borrowing money and paying a small fee I don’t see why I have to pay a monthly fee..BstittVersion: 5.43.0

✓ DO NOT GET THIS APP...I REPEAT DO NOTThis 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..NioleeoVersion: 4.1.1