Overdraft Apps » App Reviews » Empower App Review: Instant Cash Advances Up to $300 (With No Credit Check)
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.
Mitchel Harad is an expert in consumer lending, including cash advance apps and personal loans. He has over 20 years of experience in financial services at both banks (JP Morgan Chase) and upstart lenders (Lending Club, SocietyOne). He is passionate about educating consumers on how financial systems work to empower them to make informed and cost-effective decisions. During some challenging financial times, he paid thousands of dollars in overdraft fees at a time when he could least afford them – an experience he hopes to help others avoid.
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
As of August 2025, the Empower cash advance app has rebranded to Tilt. While the core service remains the same—offering up to $400 in instant cash with no credit check—Tilt introduces a broader product line, new rewards credit cards, and an updated look. This change also helps reduce confusion with Empower Personal Wealth (formerly Personal Capital), which is a separate financial platform.
Most of Empower’s original features carry over, but there are some notable updates: no more tipping, a slightly higher $9/month membership fee (was $8), and continued access to free or instant delivery options. We’ve published a full, up-to-date review of the Tilt app—including all pricing, eligibility, and new features—on our site. Read the Tilt Cash Advance Review
Mitchel Harad is an expert in consumer lending, including cash advance apps and personal loans. He has over 20 years of experience in financial services at both banks (JP Morgan Chase) and upstart lenders (Lending Club, SocietyOne). He is passionate about educating consumers on how financial systems work to empower them to make informed and cost-effective decisions. During some challenging financial times, he paid thousands of dollars in overdraft fees at a time when he could least afford them – an experience he hopes to help others avoid.
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
