Editor’s Note: Overdraft Apps provides detailed product reviews and recommendations based upon extensive research and our own hands-on testing. We may earn a referral fee when you sign up for or purchase products mentioned in this article.
Updated July 2026.
Tilt alternatives worth switching for
Searching for apps like Tilt (formerly Empower)? Tilt’s about $8/month membership fee and up to $400 advances are clear, but you may want $0 membership or a higher cap. First-time typical amounts are publicly disclosed near $102.
Verdict: Keep Tilt if the trial, tip-free flow, and published express fees fit. For $0 membership, start with MoneyLion, Albert, or Klover. Brigit is the closest tip-free subscription peer. EarnIn is the earned-wage $0 membership option when hour tracking works.
Key takeaways
- Tilt: about $8/month after trial plus ~$1-$8 express fee; up to $400.
- Typical first-time amount about $102; returning about $171.
- $0 membership escapes: MoneyLion, Albert, Klover, EarnIn.
What $50 and $100 cost with Tilt
Plan on an $8/month membership fee, then an express fee in roughly the $1-$8 band by amount. A $50 advance usually sits lower in that band than a $100 advance.
Apps like Tilt at a glance
| App | Typical amount | Main fees | Overdraft Apps score | Best for | Next step |
|---|---|---|---|---|---|
| Tilt |
About $102 first-time; ~$171 returning | $8/mo membership fee + ~$1-$8 express fee | 9.5 | Tip-free subscription with clear express fees | Get Tilt |
 MoneyLion |
Often starts ~$10-$50 | $0 membership + Turbo fee ~$2-$15 | 9.1 | $0 membership + banking/credit tools | Get MoneyLion |
 Brigit |
About $72 average; new users often ~$50-$150 | ~$8.99-$15.99/mo membership fee + optional express fee | 9.1 | Tip-free advance + low-balance alerts | Get Brigit |
 Albert |
Eligibility-based; few see $1,000 | $0 Instant; transfer fees vary | 8.6 | Savings and coaching around Instant | Get Albert |
 FloatMe |
First-time often ~$10-$50 | $4.99/mo membership fee + ~$1-$5 instant fee | 8.5 | Small, simple floats | Get FloatMe |
 Klover |
Avg ~$160; new users ~$5-$100 | $0-$4.99 + express fee by size | 8.4 | $0 base advances; express by size | Get Klover |
 Chime |
Many members start ~$50-$100 | $0 membership; $0-$5 instant fee (or free ~24h) | 9 | MyPay for existing Chime members | Get Chime |
 EarnIn |
New users often ~$85/day | $0 membership; Lightning Speed fee ~$3.99-$5.99 (+ optional tips) | 8.9 | Earned wages when you can verify hours | – |
Fee and rating data use the page update date shown above. The Overdraft Apps score is our comparison of cost, speed, access, app-store feedback, and public trust signals. On phones, this table stacks into cards and does not scroll sideways. Get buttons appear for partner apps only.
How to choose in 60 seconds
- $0 membership: MoneyLion or EarnIn.
- Similar subscription lane: Brigit (see Tilt vs Brigit).
- Smaller floats: FloatMe.
- Price $8 + express fee against Lightning Speed / Turbo / Plus stacks at $50 and $100.
Best apps like Tilt (detailed)
Partner apps are listed first. Each section ends with a Get button when we have an affiliate relationship, or a link to our full review when we do not.
MoneyLion: $0 membership + banking/credit tools
Best for: People who want $0 membership and may use banking or credit tools too.
MoneyLion Instacash has a $0 required membership fee for basic advances, so you can keep the app available without paying each month. New offers often start around $10-$50 and can grow with deposit history. External-bank limits can reach $500; a higher path can reach $1,000 with RoarMoney and qualifying deposits. Same-day delivery uses a Turbo fee.
MoneyLion rates about 4.8 on the App Store and 4.6 on Google Play. Its Overdraft Apps score is 9.1. Ratings use the page update date shown above.
Better than Tilt when: Choose MoneyLion when its fees, typical amount, or account setup beat Tilt for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 required membership fee, so keeping the app ready costs nothing between advances
- Higher-limit path with RoarMoney and qualifying deposits
- Turbo fees vary by amount and tip prompts can add cost
- New limits can start small; highest limits need more setup
Brigit: Tip-free advance + low-balance alerts
Best for: People who want tip-free Instant Cash and low-balance alerts every month.
Brigit’s public average advance is about $72, and new users often fall around $50-$150 even though it markets up to $500. Meaningful advance access usually uses the Plus membership fee (about $8.99/month), plus an optional express fee of roughly $0.99-$3.99. Brigit does not ask for tips.
Brigit rates about 4.8 on the App Store and 4.8 on Google Play. Its Overdraft Apps score is 9.1. Ratings use the page update date shown above.
Better than Tilt when: Choose Brigit when its fees, typical amount, or account setup beat Tilt for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- Tip-free Instant Cash with proactive balance alerts
- Free repayment extensions and no work-hour tracking
- Plus membership fee can be expensive for occasional advances
- Express fee adds cost; past FTC marketing settlement is a trust flag
Albert: Savings and coaching around Instant
Best for: People who want savings automation and coaching, not only a cash button.
Albert Instant sits inside a broader savings and coaching app. Instant does not require an Albert subscription in current disclosures, so you can keep Instant available without a monthly membership fee (Genius and other paid tools are separate). Albert markets advances from $25 to $1,000, but few customers qualify for the top. The important number is the transfer fee on your quote.
Albert rates about 4.6 on the App Store and 4.5 on Google Play. Its Overdraft Apps score is 8.6. Ratings use the page update date shown above.
Better than Tilt when: Choose Albert when its fees, typical amount, or account setup beat Tilt for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- No required Instant membership fee in current disclosures
- Broader money tools around the advance
- Transfer fees do not have a simple public schedule
- The $1,000 maximum is not a typical offer
FloatMe: Small, simple floats
Best for: People who need a small bridge and prefer a simple float app.
FloatMe is built for smaller shortfalls. First-time floats often land around $10-$50 before higher amounts unlock (up to about $100 for existing members). After a short trial, the membership fee is about $4.99/month, plus an instant fee by size when you need speed.
FloatMe rates about 4.8 on the App Store and 4.5 on Google Play. Its Overdraft Apps score is 8.5. Ratings use the page update date shown above.
Better than Tilt when: Choose FloatMe when its fees, typical amount, or account setup beat Tilt for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- Simple UX for small floats
- Lower monthly membership fee than many Plus plans
- Low early caps; not ideal for $200+ bills
- You pay the membership fee whether you float or not after trial
Klover: $0 base advances; express by size
Best for: People who want a $0 base advance path and will only pay express when needed.
Klover advances do not require Klover+ in current disclosures, so you can keep the app available without a required membership fee. New users often see smaller amounts; the public average is about $160. Express fees vary by size. Optional Klover+ is about $4.99/month for extras, not for the advance itself.
Klover rates about 4.7 on the App Store and 4.6 on Google Play. Its Overdraft Apps score is 8.4. Ratings use the page update date shown above.
Better than Tilt when: Choose Klover when its fees, typical amount, or account setup beat Tilt for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 required membership fee for advances
- Express-only cost model when you need money today
- Higher amounts may need point boosts
- Express fees can feel steep on small draws
Chime: MyPay for existing Chime members
Best for: Existing Chime members who want MyPay inside their checking account.
Chime MyPay has a $0 membership fee. Eligible members can access up to $500, although many start around $50-$100. Instant delivery charges a 3% instant fee (min $2, max $5); a slower path can have no instant fee. Requires Chime Checking and is unavailable in several states.
Chime rates about 4.8 on the App Store and 4.7 on Google Play. Its Overdraft Apps score is 9. Ratings use the page update date shown above.
Better than Tilt when: Choose Chime when its fees, typical amount, or account setup beat Tilt for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 membership fee and a capped instant fee
- MyPay sits inside Chime Checking
- Requires Chime Checking and qualifying deposit history
- Unavailable in several states; switching banks creates friction
EarnIn: Earned wages when you can verify hours
Best for: People who can prove earned wages and hours and want $0 membership.
EarnIn Cash Out is an earned-wage product with a $0 membership fee, so keeping it installed costs nothing. Most same-day users pay a Lightning Speed fee ($3.99 at or under $75, or $5.99 above). New users often start near $85/day. Tips are optional. Not available in Connecticut.
EarnIn rates about 4.7 on the App Store and 4.7 on Google Play. Its Overdraft Apps score is 8.9. Ratings use the page update date shown above.
Better than Tilt when: Choose EarnIn when its fees, typical amount, or account setup beat Tilt for the cash you actually need. Price $50 and $100 same-day totals before you switch.
- $0 membership fee; keep the app ready at no monthly cost
- Flat Lightning Speed fee that often undercuts percentage stacks
- Needs work/hour verification; daily caps apply
- Not in CT; tip prompts remain
How EarnIn eligibility works
EarnIn is not a normal bank-history cash advance. It is built around wages you already earned but have not been paid yet. Your available Cash Out is tied to that earned pay, not only to what sits in your checking account.
To qualify, you usually need a linked bank account with pay deposits, plus a way for EarnIn to confirm your work. That can mean connecting a work email, using timesheets, or turning on location / hour-tracking tools so EarnIn can see hours you worked. If you cannot track or submit hours in a way EarnIn accepts, the product often will not work for you at all.
Works well for: people with steady payroll or gig work who can prove hours and are fine checking in with EarnIn’s work tools. Poor fit: anyone who cannot verify hours, Connecticut residents (not available in CT), and people who only want a simple bank-link advance with no work tracking.
Bottom line
Tilt wins on clear express ranges and tip-free trial pricing. MoneyLion and EarnIn usually win when you want to avoid monthly membership. Brigit is the nearest subscription alternative.
Still unsure which app fits?
Filter the cash advance directory by fees, limits, speed, and account requirements.
FAQ: apps like Tilt
Is Tilt the same as Empower?
Tilt is the current brand for the former Empower cash advance product. Confirm live membership fee and express fee in-app.
What apps are most like Tilt?
Brigit is the closest tip-free subscription peer. MoneyLion and EarnIn are the usual $0 membership comparisons.
How much does a $50 or $100 advance cost with Tilt?
Plan on an $8/month membership fee, then an express fee in roughly the $1-$8 band by amount. A $50 advance usually sits lower in that band than a $100 advance.
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