Is Empower app legit?

Many Empower reviews from July 2025 suggest users can rely on the app. Here's what they have to say about it:

• Life saver: Numerous users describe Empower as a "life saver" that helps them out in times of need, providing quick cash advances.
• There when needed: Many appreciate that Empower is "always there when I need it," offering assistance when funds are low.
• Fast and reliable: Users mention the app is "fast and reliable," helping them get funds instantly when they're in a bind.
• App issues: A few users report experiencing glitches and login problems, making the app "extremely unreliable" at times. Despite some reports of app issues, most users find Empower to be a helpful and dependable resource when finances get tight.

Empower advertises advances up to $400, but real-world amounts swing all over the map:

• Up to $400: $400 is the stated ceiling, and a few reviewers even hit the max on day one.
• Climb With Use: several users jumped from $25 to $75, $200 or even $250 after a couple of on-time repayments.
• Tiny Starts: plenty of first-timers only qualified for $10–$50, and one person needed $100 but was offered $40.
• Shaky Limits: limits can shrink without warning—drops from $100 to $10 or being stuck at $50 show up in multiple reviews.

Even though Empower is a legitimate company, we found over 10 recent reviews calling it a scam (out of hundreds we analyzed). About eight users explicitly label the app as a "scam" or "fraud," with some accusing it of unauthorized charges or stealing money.

Several users report unexpected fees, like monthly charges they didn't consent to, and difficulties accessing their accounts or funds. A few are worried about potential identity theft, describing Empower as a "phishing app" that collects personal information without providing any service.

Overall, the main complaints involve unauthorized charges, trouble logging in or retrieving money, and concerns over personal data misuse, leaving some users feeling deceived or financially harmed.