Cash Advance Apps
How much does Empower let you borrow?

How much does Empower let you borrow?

By Editorial Team
Last Updated: Jun 13, 2025

Empower offers cash advances up to $400. If you're a first-time customer, you can access up to $300, and this amount can increase over time based on positive repayment history. The exact amount you can borrow depends on your eligibility, which is determined by factors like your income consistency, spending habits, and transaction history in your primary checking account.

Empower looks at how often and how much you get paid to assess your ability to repay the advance. They also consider your regular expenses and any recurring bills. Keep in mind that making too many requests in quick succession might affect your eligibility for future advances.

Table of contents

Does Empower actually send you $400?How to get a bigger cash advance on Empower?

Does Empower actually send you $400?

Based on the user reviews we analyzed, it seems that getting the $400 maximum cash advance advertised by Empower might not be the norm for most users. Our data is drawn from reviews published in April and May 2025, providing the latest insights into Empower's practices.

The general consensus is that:

  • Small initial advances: Many users report receiving initial advances as low as $10, $25, or $50, even after connecting their direct deposit and meeting eligibility criteria.
  • Slow increase in amounts: Despite timely repayments, some users express frustration that their advance amounts did not increase as expected.

While a few users mention receiving higher advances—one user noted an initial advance of $300—these cases appear to be exceptions rather than the rule. If you're considering Empower for a significant cash advance, be prepared to start with smaller amounts and work your way up over time. So, if you're hoping to get $400 right off the bat, you might need to adjust your expectations.

App reviews talking about Loan Amounts:
"...was in a tight spot before payday and they came in clutch..."
"great cash advance app, they better you are with your repayments the higher the cash advance..."
"...I was approved for $50, and I repaid it, and now it's telling me I can borrow $10..."

How to get a bigger cash advance on Empower?

To get a bigger cash advance on Empower, make sure to repay your advances on time. Users have mentioned that as they consistently pay back on schedule, Empower increases the amount they can borrow.

Keeping your bank account and direct deposit stable can also help boost your advance limit. Some users noted that after regular use and timely repayments, their limit grew from $75 to $200.

Be cautious about switching banks or changing your income flow, as it might affect your eligibility. Staying consistent with your accounts and demonstrating reliable repayment habits seem to be key to unlocking higher cash advances on Empower.