How much does Empower let you borrow?

Based on the user reviews we analyzed, it seems that while Empower advertises cash advances up to $400, most users start with smaller amounts. Our data is drawn from reviews published as recently as July 2025, providing the latest insights into Empower's current practices. Here's what we've found:

• Higher amounts achievable: Some users report receiving advances of $200 or more. One user mentioned progressing from $25 up to $250, and another got $200 instantly—even with a low credit score.
• Small starting advances: Many users start with low advance amounts, often between $10 and $50. Initial advances of $25 or $50 are common.
• Inconsistent advance limits: Some users experienced fluctuations in their available advance amounts, sometimes decreasing without clear explanation, even after timely repayments.

Overall, while it's possible to eventually get higher advances from Empower, reaching the $400 maximum may take time and consistent on-time repayments. Be prepared to start small and potentially face some inconsistencies along the way.

If you're looking to increase your cash advance limit on Empower, there are a few strategies that might help. Many users suggest that repaying your advances on time or even early can lead to higher limits over time.

Some users mention starting with small amounts like $25, which grew to $50 and higher after consistent, timely repayments. However, experiences vary, and some users found their limits remained the same despite punctual repayments.

To improve your chances of getting a bigger cash advance, keep your account in good standing and maintain regular income deposits. Using the app responsibly and demonstrating reliability might encourage Empower to offer higher advance amounts in the future.