By Editorial Team
Last Updated: Nov 13, 2025
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How does Empower cash advance work?
Last Updated: Nov 13, 2025
Empower runs on a subscription model. After a 14-day free trial, you’ll pay $8 a month to unlock cash advances and the rest of the features. When you request an advance, you choose the speed: wait 2–5 business days for a no-cost deposit, or pay an optional Instant delivery fee of $1–$8 to see the money in minutes. Whatever Express fee you pick is simply tagged onto the amount you repay later.
How to get an Empower cash advance: step-by-step
Empower hasn’t provided verified step-by-step instructions for requesting a cash advance. Open the app and follow its on-screen prompts for the most current process.
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Table of contents
Advance amounts, fees and repayment terms
Advertised advance amounts
$10 - $400
Monthly fee
$8.00
Time to get cash
Timeframe for standard advances is unknown
Advertised advance amounts
$10 - $400
Monthly fee
$8.00
Time to get cash
Timeframe for standard advances is unknown
How long does Empower cash advance take?
Choose the free standard deposit and the money lands in your bank in about 2–5 business days.
In a hurry? Pay the optional Express fee and Empower releases the cash within minutes. The instant-delivery charge ranges from $1 to $8 (roughly $2 on a $25 advance, $3 on $50, and up to $8 on larger amounts).
What do Empower users say about funding speed?
Out of a handful of Empower reviews posted in late 2025 that talk about funding speed, here’s what users say:
- Instant for some: One user got a $100 advance within minutes and described the process as fast and easy.
- Long waits: Another said the app “takes forever” to fund, while someone else waited about six weeks for Empower to mail a check.
Need a cash advance?