Empower Reviews: Complaints & Concerns

Positive

3%

Negative

97%

Many users complain about the Empower app's stability issues, particularly after updates. Frequent crashes, login failures, and endless loading screens are common frustrations. Users often find themselves unable to access their accounts, with some having to uninstall and reinstall the app repeatedly just to log in once. The app's performance is described as slow and clunky, with many experiencing forced updates that don't work, leaving them locked out. Overall, the sentiment is overwhelmingly negative, with users expressing dissatisfaction and frustration over the app's unreliability.

App reviews talking about App Stability:

"...I can’t download this new update and haven’t Been able to get into my account since..."

"The app is the worst to login. It takes for ever the facial recognition never works..."

"...app tells me to update but it won’t download the update..."

Positive

4%

Negative

96%

Many users express frustration with Empower's security and privacy features, particularly concerning login issues and VPN compatibility. A significant number of reviews highlight problems with the two-step verification process, where users do not receive the necessary verification codes, leaving them unable to access their accounts. Additionally, the app's incompatibility with VPNs is a major concern, as users feel forced to compromise their security to use the app. There are also worries about the app's requests for sensitive personal information, such as Social Security Numbers, which some users perceive as excessive and potentially unsafe. Overall, the sentiment is negative, with users feeling that the app prioritizes data collection over user security.

App reviews talking about Security & Privacy:

"...I never get a text to my phone."

"I have to turn off my VPN in order to use Empower."

"...asks for SSN, Birthday, and zipcode. Is this legit?"

Positive

13%

Negative

87%

Many users complain about issues with bank compatibility when using the Empower app. A common problem is the app's inability to link with certain banks, even well-known ones, which frustrates users trying to manage their finances. Some users report that changing banks or updating bank information leads to a loss of eligibility for cash advances, despite assurances from customer support. Additionally, there are complaints about the app not recognizing debit cards or linked accounts, causing further access issues. Overall, the sentiment is negative, with users expressing disappointment and confusion over these compatibility problems.

App reviews talking about Bank Compatibility:

"...Yodlee, after multiple attempts over months, can’t get a bank and a retirement account linked..."

"...I recently had to change banks and contacted support to confirm this wouldn't affect my Thrive advance amount..."

"...every time I put in my card info it tells me that my debit card does not match my bank..."

Positive

33%

Negative

67%

High fees are a common complaint among users of the Empower cash advance app. Many users express frustration over the app's monthly subscription fee of $8, which they find excessive, especially when combined with additional fees for instant cash advances. Some users feel that the app is a 'money-sucking' service, with better alternatives available that do not charge as much. Despite the negative sentiment, a few users appreciate the app's ability to provide quick cash without a credit check, though they still find the fees burdensome.

App reviews talking about Fees & Costs:

"...you do have to pay a monthly fee of 8 dollars to use the app, I think it's a little ridiculous..."

"A money sucking app, much better cash advance apps than this one without all the fees..."

"...the membership fee withdrawn every month that you can't cancel because you don't have access..."

Positive

37%

Negative

63%

Customer support is reported to be quite frustrating for many users of the Empower app. Numerous reviews highlight issues with accessing accounts, resolving technical problems, and receiving timely assistance. Users often mention being stuck in loops with automated responses or being unable to reach a live person for help. Some users express dissatisfaction with the lack of effective solutions provided by support staff, while others complain about the inability to resolve issues like account access and subscription cancellations. Despite these negative experiences, a few users have praised the customer service for being helpful and professional, indicating a mixed experience overall.

App reviews talking about Customer Support:

"...customer service is not seeing it. THIS IS SO ANNOYING AND SUCH A BIG INCONVENIENCE!!"

"...customer service is super unfriendly. Empower only talk to you on phone..."

"...support is just copy/paste responses. you can't get any real answers..."

Positive

56%

Negative

44%

Opinions are mixed when it comes to the advertising accuracy of the Empower app. Some users appreciate that the app delivers on its promises, with advances and services working as advertised. They find the app transparent and straightforward, with no hidden surprises. However, others express frustration over misleading advertisements and experiences that don't match the promotional claims. Some users are particularly annoyed by intrusive ads and promises of increased loan amounts that don't materialize, leading to disappointment and distrust.

App reviews talking about Advertising Accuracy:

"...so far they've come thru with everything they said they would do to help..."

"...I have yet to come upon any bait and switch like I have with other similar apps..."

"...it says if u get $25 and pay it back right away your next loan will be $50 and that's not true..."

Positive

68%

Negative

32%

The approval process for the Empower cash advance app receives mixed reviews. Many users appreciate the quick and easy approval, often highlighting that they were approved within minutes and found the process straightforward. This has been a relief for those in urgent need of funds. However, some users express dissatisfaction, noting issues with being denied advances despite previous successful transactions or facing unexpected subscription charges without receiving a loan. Overall, while many find the app efficient and helpful, a few have encountered hurdles that dampen their experience.

App reviews talking about Approval Process:

"...I was approved right away and it helped get my car back on the road..."

"I was using this app for a whole year with NO issues. & paid ALL the advances back ON TIME. then around September '24 it stated I was no longer eligible..."

"...I applied for a loan got denied... so no loan was obtained... no phone number no live agent only contact info is a email..."

Positive

71%

Negative

29%

Opinions are mixed when it comes to Empower's repayment terms. Some users appreciate the straightforward repayment plans and the ability to pay back in one lump sum, which they find clear and manageable. Others, however, express frustration with the timing of payments, noting instances where payments were taken before their payday, causing financial strain. A few users also mention issues with payments being marked late despite being paid on time, and some have had their accounts sent to collections unexpectedly. While some users wish for more flexible repayment options, such as smaller installment payments, others find the current system suits their needs well.

App reviews talking about Repayment Terms:

"...you guys pulled it 5 days too early. my bank will reject it..."

"...they charged my card about an hour before my direct deposit..."

"...although it would be nice if you could make smaller payments back to them instead of one full payment..."

Positive

82%

Negative

18%

Users praise Empower's budgeting tools for their simplicity and effectiveness in tracking spending and managing finances. Many find the app helpful in organizing their financial life, with features that assist in saving money and staying on budget. However, some users experience technical glitches, such as login issues and broken features, which can hinder the app's usability. Despite these occasional setbacks, the overall sentiment is positive, with users appreciating the app's ability to provide financial insights and support.

App reviews talking about Budgeting Tools:

"...helps keep track of what you spend..."

"Quick and easy to use. very helpful with helping you to organize your finances."

"...helped me stay on budget and my build my credit..."

Positive

76%

Negative

24%

Users praise Empower for its ease of use, highlighting the app's simplicity and quick access to cash advances. Many appreciate the straightforward application process and the convenience of receiving funds promptly. The app is described as user-friendly, with a seamless experience that makes financial management accessible and stress-free. Overall, the sentiment is overwhelmingly positive, with users expressing satisfaction with how Empower simplifies financial tasks.

App reviews talking about Ease of Use:

"...easy to ask and navigate the app. no problems..."

"...easy to apply and it helps to build my credit..."

"...very easy and convenient process..."

Positive

78%

Negative

22%

Users praise Empower for its financial education features, highlighting its ease of use and the positive impact it has on their financial management. Many appreciate the app's ability to boost credit scores and provide financial support during tough times. The app is described as convenient and supportive, with some users noting significant improvements in their credit scores. Overall, Empower is seen as a valuable tool for financial growth and education.

App reviews talking about Financial Education:

"...Empower is an incredibly convenient and supportive app in helping with your finances!"

"...helped me get 60 points positive on my credit score in 4 months..."

"...awesome app good for when you need a little extra money and helps you keep up with your credit score..."

Positive

88%

Negative

12%

Users generally appreciate Empower for providing quick and easy cash advances, especially when in a financial pinch. Many reviews highlight the app's ability to offer small initial loans, which can increase over time with consistent repayment. While some users are thrilled with the app's functionality and the relief it provides, others express disappointment with the small initial loan amounts, often starting as low as $10. Despite this, the sentiment remains positive as users value the app's reliability and the potential for higher loan amounts with responsible use.

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..."

Positive

95%

Negative

5%

Users praise Empower for its reliability, especially when they find themselves in a financial pinch. Many reviews highlight how the app consistently provides cash advances quickly and efficiently, helping users manage unexpected expenses or bridge the gap until payday. The sentiment is overwhelmingly positive, with users expressing gratitude for the app's dependable service and ease of use. They appreciate the app's ability to increase the cash advance limit over time as they demonstrate good repayment behavior.

App reviews talking about Reliability:

"...reliable and easy when I need money."

"so far it is very reliable and helpful"

"...always there when I need to borrow thank you for that"

Positive

98%

Negative

2%

Users praise Empower for its impressive speed in providing cash advances. Many reviews highlight the app's ability to deliver funds almost instantly, often within minutes, making it a reliable option for those in urgent need of cash. The process is frequently described as easy and convenient, with users appreciating the straightforward setup and quick access to funds. Overall, the sentiment is overwhelmingly positive, with many users recommending the app for its efficiency and ease of use.

App reviews talking about Funding Speed:

"...I needed the cash and it was there instantly, fastest cash I ever received..."

"Very easy and convenient process..."

"...advance was in my account in less than 30 seconds"

What do Empower users complain about?

On this page

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Scam reports

Overdraft reports

What users say on other topics

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