6 Apps Like Tilt (Formerly Empower) To Get Money When You Need It

Tilt (formerly Empower) advances $10 to $500 against your next paycheck with no interest and no credit check. The catch is the $8 a month subscription. You have to pay it before you can take an advance at all, so it costs $96 a year whether you borrow once or every payday, and Tilt’s own numbers put the average first advance at $98.

That is why people go looking for apps like Tilt. Maybe the $8 does not pay for itself, maybe $500 is not enough, or maybe you live in Connecticut, Maine or Washington DC, where Tilt is not offered. The six apps below cover each of those gaps. Three charge no monthly fee at all, two go past $500, and every one of them skips the credit check. Here is what each really costs and who it fits.

Cash Advance Apps Like Tilt for Instant Money

These cash advance apps are all legit and used by real borrowers. In a hurry? Tap a pick to jump to its card, then read the fine print before you sign up.

EarnInBest if you never want a monthly feeNo required fees · up to $1,000 2

CurrentBest overall: bigger limit than Tilt, no monthly feeup to $1,000 3

GrantBest for a small first advanceup to $500 4

CleoBest for gig workersup to $250 5

MoneyLionBest for no-subscription advancesabout $100 6

BrigitBest for saving on overdraft feesup to $500

1. EarnIn

Best if you never want a monthly fee

4.5

Max advance$1,000$150 a day

Monthly fee$0tips optional

Cash in hand~1 hourfor $3.99, or free in 1 to 3 days

Get started →

No subscription, ever

Best if you never want to pay a monthly fee.

EarnIn advances pay you have already earned, up to $150 a day, with no subscription and no required fees.

No credit check0% interestNever reported to bureaus

Connect the account your paycheck lands in

EarnIn verifies the hours you have worked

Take up to $150 a day, repaid automatically on payday

Want the fine print? Fees, speed, and what you really get

Take it if

You are a W-2 employee on a regular pay cycle and want Tilt-size money with zero required fees. Wait one to three days or pay $3.99 to get it within the hour.

Skip it if

Your pay is irregular or gig-based. EarnIn has to verify hours worked, so no timesheet or set schedule means no advance.

Fees

No subscription and no monthly fee. Standard transfers are free. Lightning Speed costs $3.99. Tips are optional and you can leave them at zero.

How fast

Free transfers land in one to three business days. Lightning Speed is usually within an hour.

What you get right away

Up to $1,000 a pay period, but capped at $150 a day. New users usually start well below the maximum and the limit grows as EarnIn sees your pay history.

Is it legit

Yes. No credit check, no interest, and nothing is reported to the credit bureaus. The real hurdle is approval, not safety.

Also includes

Balance Shield overdraft alertsTip Yourself savingsEarnIn CardCash Back Rewards

If this fits you

Start with EarnIn if you are paid on a schedule

Free to use. Standard transfers take 1 to 3 days, or $3.99 to get it within the hour.

Start with EarnIn →Read our full review first

2. Current

Best overall: bigger limit than Tilt, no monthly fee

Max advance$1,000grows over time

Monthly fee$0no subscription

Cash in handMinutesfor a small fee, or free in 3 days

Open an account →

No credit check

Best for a bigger limit with no monthly fee.

Current pairs a fee-free advance of up to $1,000 with a checking account that pays you up to two days early.

No credit check0% interestNon-recourse, no collections

Open a Current account

Route a $200+ payroll deposit into it

Advance up to $1,000, debited when your next check lands

Want the fine print? Fees, speed, and what you really get

Take it if

You want more room than Tilt’s $500 ceiling and would rather move a direct deposit than pay $8 a month for the privilege.

Skip it if

You will not move a $200 or larger payroll deposit, or you live in CT, MD, NV, WI or DC, where Paycheck Advance is not offered.

Fees

No subscription and no monthly fee. Standard delivery is free. Instant delivery costs a fee shown in the app before you accept it.

How fast

Free delivery takes about three business days. Instant is usually minutes, sometimes up to an hour.

What you get right away

Up to $1,000, but your first advance is often much less. The ceiling only applies once Current has seen a steady deposit history.

Is it legit

Yes. No credit check and no credit impact. Current calls the advance non-recourse, meaning it will not send an unpaid balance to collections. Not available in CT, MD, NV, WI or DC.

Also includes

Get paid up to 2 days earlyFee-free overdraft with OverdriveSavings pods with interest40,000+ fee-free ATMs

If this fits you

Start with Current if you will move your direct deposit

No monthly fee. The advance unlocks once a $200+ payroll deposit lands in the account.

Start with Current →Read our full review first

3. Grant

Best for a small first advance

Max advance$500avg first ~$66

Monthly fee$9.99Grant Plus, or free by email

Cash in hand~1 hourfor $2 to $21, or free in 3 days

Check your limit →

Standard delivery is free

Best if you want a straight answer on day one.

Grant fronts money against your next deposit with no interest or late fees. Inside the app you will be pushed into the $9.99 a month Grant Plus plan; the free route is to email support and ask for an advance without subscribing.

No credit checkNo interestNo late fees

Link the account your pay lands in

Request an advance and pick free or express

Grant debits it when it sees your next deposit

Want the fine print? Fees, speed, and what you really get

Take it if

You are fine paying $9.99 a month for the in-app experience, or you can wait about a business day for support to set up a free advance by email.

Skip it if

You need cash today and refuse to pay a subscription. The free email route exists on paper but it is slow, and most users end up on Plus.

Fees

Standard delivery is free and express costs $2 to $21 depending on the amount. Grant Plus is $9.99 a month. Grant’s terms say Plus is optional, and you can get an advance without it by emailing support@grantcash.com, but in the app the subscription is the path most people end up on, and it does not make your advance bigger or faster.

How fast

Free delivery takes about three business days. Express arrives in roughly an hour.

What you get right away

$25 to $500 on paper, but Grant says the average first advance is about $66 and only a small share of repeat users ever reach $500.

Is it legit

Yes. No credit check, no interest, no late fees, and the agreement says nothing goes to collections or the credit bureaus.

Also includes

Bill trackingPlay games for cashLoan and card marketplaceRent Assist

If this fits you

Start with Grant if you can accept the $9.99 Plus plan or wait a day for the free route

Most first advances are about $66. Free in 3 days, or $2 to $21 to get it within the hour.

Start with Grant →Read our full review first

4. Cleo

Best for gig workers

Max advance$250first $20 to $100

Monthly fee$1.99+up to $14.99, required

Cash in handSame dayfor $3.99 to $14.99, or free in a few days

Try Cleo →

Membership required

Best if your income is gig or freelance.

Cleo sizes its $20 to $250 advance from your bank activity rather than a timesheet or employer, so gig and freelance income counts.

No credit check0% interestCancel any time

Subscribe to Cleo Plus or Builder

Connect your bank

Advance $20 to $250 based on your account activity

Want the fine print? Fees, speed, and what you really get

Take it if

You are paid through gig apps or invoices and an hours-based app like EarnIn will not approve you. Cleo looks at deposits, not a work schedule.

Skip it if

You only want to borrow. A $1.99 to $14.99 membership costs more than a $20 to $100 first advance is worth if you borrow twice a year.

Fees

Cleo Plus runs $1.99 to $5.99 a month and Cleo Builder $10.99 to $14.99. A membership is normally required to borrow. Same-day express costs $3.99 to $14.99 depending on the amount.

How fast

Standard delivery takes a few days. Express payout is same day for $3.99 to $14.99.

What you get right away

$20 to $250, and first-timers get $20 to $100. Cleo also caps you at $170 a day. This is the smallest ceiling on the list, half of Tilt’s.

Is it legit

Yes, but price it honestly. If you borrow twice a year the subscription costs more than the advance is worth.

Also includes

AI budgeting chatSpending roasts and hypeCredit builder card on BuilderBill negotiation

If this fits you

Start with Cleo if your pay is irregular

Plans run $1.99 to $14.99 a month. First advances are $20 to $100.

Start with Cleo →Read our full review first

5. MoneyLion

Best for no-subscription advances

4.5

Per request~$100limit up to $1,000

Monthly fee$0no subscription

Cash in handMinutesfor $0.49 to $8.99, or free in 2 days

Get Instacash →

No credit check

Best if you refuse to pay a subscription.

MoneyLion Instacash needs no membership. Your total limit can reach $1,000, but each request caps near $100.

No credit check0% interestNo subscription for Instacash

Connect your bank

MoneyLion sets your limit from deposit history

Request in chunks of about $100, repaid next payday

Want the fine print? Fees, speed, and what you really get

Take it if

You like Tilt’s $500 limit but not its $8 a month, and you can live with about $100 per request.

Skip it if

You need $500 in one transfer. That is five separate requests, each with its own Turbo fee if you want it fast.

Fees

No subscription needed for Instacash. Standard delivery is free. Turbo delivery costs $0.49 to $8.99 depending on the amount and where it is going.

How fast

Free delivery takes about two business days to a MoneyLion account and up to five days elsewhere. Turbo is near instant.

What you get right away

This is the one to understand. Your total limit may be $500, $700 or $1,000, but a single request caps at about $100. Getting $500 means five separate requests, and a Turbo fee on each one if you want them fast.

Is it legit

Yes, and no credit check. Worth knowing that MoneyLion settled a CFPB case in November 2025 over its old membership program, and a New York Attorney General case over its fees is still ongoing.

Also includes

MoneyLion Spend checkingCredit Builder Plus loanManaged and active investingPersonal loan marketplace

If this fits you

Start with Instacash if no subscription matters most

About $100 per request. Free in about 2 days, or $0.49 to $8.99 for Turbo.

Start with Instacash →Read our full review first

6. Brigit

Best for saving on overdraft fees

Max advance$500on Premium

Monthly fee$8.99+up to $15.99, required

Cash in hand~20 minfor a fee, or free in 2 to 3 days

Get Brigit →

Membership required

Best if you want the advance before you ask for it.

Brigit watches your balance and can push $50 to $500 automatically before you overdraft, in exchange for a monthly membership.

No credit check0% interestCancel any time

Subscribe to Plus or Premium

Link your bank

Auto Advance sends $50 to $500 before you overdraft

Want the fine print? Fees, speed, and what you really get

Take it if

You want Brigit to watch your balance and push cash automatically when it is about to go negative, which Tilt does not do.

Skip it if

You borrow rarely. The $8.99 to $15.99 membership costs more than Tilt’s $8 and is charged every month whether or not you use it.

Fees

Plus is $8.99 a month and Premium is $15.99. A membership is required to borrow. Brigit does not publish its express transfer fee.

How fast

Standard delivery takes two to three business days. Express is about 20 minutes.

What you get right away

$50 to $500, with the higher amounts on the Premium tier. Most people start well below the ceiling.

Is it legit

Yes. No credit check and no interest. Brigit connects to 6,000+ banks and credit unions. The cost is the monthly membership, which you pay whether or not you borrow that month.

Also includes

Auto Advances before overdraftCredit Builder on PremiumIdentity theft protectionBudgeting and bill alerts

If this fits you

Start with Brigit if you overdraft often

Plus is $8.99 and Premium $15.99 a month. Auto Advance sends $50 to $500 before you go negative.

Start with Brigit →Read our full review first

What to Look for in an App Like Tilt

Six things decide whether a Tilt alternative is actually cheaper. Check them before you download anything.

The monthly fee. Tilt is $8 a month. EarnIn, Current and MoneyLion charge nothing, so the same advance costs $96 a year less.
The real first advance. Every app advertises a ceiling. Tilt averages $98 on the first offer and Cleo starts at $20 to $100, so plan on the low end. If Cleo is the one you are replacing, see our apps like Cleo.
Express fees. Free delivery takes 1 to 3 days everywhere. Same-day money costs $0.49 to $14.99 depending on the app and amount.
Where you live. Tilt skips CT, ME and DC. Current skips CT, MD, NV, WI and DC. Check your state before you link a bank.
How you get paid. EarnIn needs verified hours. Cleo and Brigit work from bank deposits, which suits gig and freelance income.
Repayment on payday. The debit should land the day you get paid, and you should be able to move it if your check is late.

Apps Like Tilt FAQs

Which app like Tilt has no monthly fee?

Three of them. EarnIn charges no subscription and standard transfers are free. Current’s Paycheck Advance and MoneyLion’s Instacash do not require a membership either. Cleo and Brigit both charge a monthly membership before you can borrow, and Tilt itself is $8 a month after the 14-day trial.

Which apps like Tilt give more than $500?

Current goes to $1,000 once a $200+ payroll deposit is landing in the account. EarnIn allows up to $1,000 per pay period, capped at $150 a day. MoneyLion’s Instacash limit can reach $1,000, but each request is about $100. On every app the first advance is usually far below the maximum.

Do these apps check my credit?

No. Current, MoneyLion, Cleo, Brigit and EarnIn approve advances from your banking and income history, not a credit inquiry, and none of them report the advance to the credit bureaus. Tilt works the same way.

Can I get a cash advance in Connecticut, Maine or Washington DC?

Not from Tilt, which does not offer advances in CT, ME or DC. Current’s Paycheck Advance is also unavailable in CT, MD, NV, WI and DC. EarnIn, MoneyLion, Brigit and Cleo are your options there, but confirm availability inside the app before you count on it, because state rules change.

Is Tilt the app formerly Empower?

Yes. Tilt is the new name for the cash advance app formerly Empower, which rebranded on 6 August 2025. Same company, same $10 to $500 advance, same $8 monthly subscription. If you already had an account, nothing about your advance changed.

Final Thoughts

Tilt is a fair deal for someone who borrows most months and uses the budgeting and credit tools that come with the $8. For everyone else the subscription is the problem, and the fix is one of the apps above. EarnIn and MoneyLion cost nothing to keep, Current raises the ceiling to $1,000 with no fee, and Cleo or Brigit make sense only if you want the coaching or the automatic overdraft cover that comes with their memberships.

Whichever you pick, treat it as a bridge and not a budget line. Cash advance apps get you through one short gap without payday loan interest, but if you need one every pay period the shortfall is the thing to fix. Borrow the smallest amount that covers the bill, take the free delivery when you can, and cancel any subscription the month you stop needing it.

Six alternatives at a glance

All seven at a glance

App	Max advance	Monthly fee	Fastest funding	Best for	Get started
4.5	$1,000 ($150 a day)	$0	~1 hr for $3.99, free in 1 to 3 days	Best if you never want a monthly fee	Get started →Our review
5	$1,000	$0	Minutes for a fee, free in 3 days	Best overall with no credit check	Get started →Our review
4	$500 (avg first ~$66)	$9.99 Plus (free advance by email)	~1 hr for $2 to $21, free in 3 days	Best for a small first advance	Get started →Our review
4	$250 (first $20 to $100)	$1.99 to $14.99	Same day for $3.99 to $14.99, free in a few days	Best to cover bills	Get started →Our review
4.5	~$100 per request (limit to $1,000)	$0	Minutes for $0.49 to $8.99, free in 2 days	Best for no-subscription advances	Get started →Our review
4	$500	$8.99 to $15.99	~20 min for a fee, free in 2 to 3 days	Best for saving on overdraft fees	Get started →Our review
4.5	$500	$8 (14-day free trial)	Minutes for a fee, free in about a day	Best if you borrow most months	Get started →Our review

App	Max	Fee	Speed
4.5	$1,000	$0	~1 hr	Go →Review
5	$1,000	$0	Minutes	Go →Review
4	$500	$9.99*	~1 hr	Go →Review
4	$250	$1.99+	Same day	Go →Review
4.5	~$100	$0	Minutes	Go →Review
4	$500	$8.99+	~20 min	Go →Review
4.5	$500	$8	Minutes	Go →Review

*Grant: a free advance is available by emailing support.