Apps Like Empower and Klover: Limits, Fees and Who Qualifies
| Tilt (formerly Empower) | $10–$500; $8/month after 14-day trial |
|---|---|
| Tilt average first offer | $96 (Tilt's Q3 2026 figure) |
| Klover | Up to $200 (some pages say $750) |
| No-monthly-fee alternatives | EarnIn, MoneyLion |
| Need more? | $100–$5,000 through our network |
| Verified | Official sites, October 25, 2026 |
Empower is now Tilt: what changed
If you're searching for apps like Empower, start by knowing that Empower's cash advance now operates under the Tilt name. Tilt's official site lists:
- Advances of $10 to $500, which may increase with on-time repayment. Tilt says the average offer in Q3 2026 was $96 for first-time customers and $178 for others.
- An $8 monthly subscription that starts after a 14-day trial for first-time customers; returning customers are charged right away.
- No credit check for the cash advance, and optional instant delivery for a fee.
- Not available to residents of Connecticut, Maine or Washington, D.C.
Apps like Klover
Klover's official site says you can get an advance “with no credit check” and with no interest or late fees. It shows two different maximums: several sections say up to $200, while a banner says up to $750, without explaining the difference. Its paid Klover+ tier is described but not priced on the homepage. People looking for apps like Klover usually want a clearer fee schedule or a more predictable limit.
Alternatives ranked by advertised maximum
| App | Advertised maximum | Required monthly fee | Bank requirement |
|---|---|---|---|
| EarnIn | $200/day, $1,000 per pay period | None | Regular pay, $320+ per pay period |
| Chime MyPay | $1,000 per pay period | None listed | Chime account with $200+ qualifying direct deposit |
| MoneyLion Instacash | $500; $1,000 with Spend direct deposit | None required | Checking account with regular deposits |
| Tilt (formerly Empower) | $500 | $8 after trial | Linked checking account |
| Dave | $500 (few qualify) | Up to $5 | Linked checking account |
| Brigit | $500 ($250 in Maine) | $8.99–$15.99 | Linked checking account |
| Cleo | $250; $500 on Builder plan | $5.99–$14.99 plans | $750+/month direct deposit for $500 |
| Klover | $200 (some pages say $750) | Optional Klover+ | Linked bank account |
| FloatMe | $200 | $6.99 (not required to request) | Linked bank account |
Maximums are ceilings, not starting points. Each app sets your limit from its own review of your deposits and account history.
Zebra Finance isn't affiliated with any app named on this page and receives nothing for mentioning them. App figures come from each company's official site on October 25, 2026, and can change; confirm terms in the app before you accept.
How to pick the right alternative
- Lowest ongoing cost: EarnIn and MoneyLion don't require a monthly fee; you pay only if you choose instant delivery.
- Chime customers: MyPay, with an instant fee capped at $5, plus SpotMe overdraft coverage.
- You live in Connecticut, Maine or D.C.: Tilt's advance isn't offered there, so compare EarnIn, MoneyLion and Dave.
- Bank compatibility: most apps need a checking account with a history of deposits. Online-only banks and prepaid cards don't always link. If yours doesn't, see loans for Chime users or loans without direct deposit.
- Gig or irregular income: apps often set lower limits; see loans for gig workers.
When an app advance isn't enough
Most advance apps start new users well under $200. If the bill in front of you is bigger, our free form takes about 3 minutes and reaches multiple lenders in our network at once, with requests from $100 to $5,000 depending on your state. Many lenders focus on income and may use alternative credit data instead of a traditional hard pull. If approved, you'll see the amount, fees, APR and total to repay before you sign, and funds often arrive by the next business day.
Offers may be a payday loan or an installment loan with fixed payments, depending on your state. We're a matching service, not a lender, and approval isn't guaranteed.
See if you qualify — it takes about 3 minutes. Start your free request. There is no obligation to accept an offer.
How app advances compare with a loan
| App advance | Loan through our network | |
|---|---|---|
| Typical first amount | Often under $100 | $100–$5,000, by state and lender |
| Repayment | Taken from your next deposit | Next payday or fixed installments |
| Cost shown as | Subscription, instant fees, tips | Fee or APR, plus total to repay |
| Apply once, multiple providers | No; one app at a time | Yes; one form reaches several lenders |
| Funding | Minutes (paid) or 1–3 business days | Often next business day |
See also payday loan vs. cash advance.
Tips before you link any app
- Keep the repayment in mind. Apps debit your account when your paycheck arrives.
- Cancel trials you won't use. Tilt's subscription begins automatically after the trial.
- Use one advance at a time so each paycheck covers one repayment.
- Compare the instant fee with the free option; waiting a day or two can save the fee.
More comparisons: apps like Cleo, apps like Dave, apps like EarnIn.
Frequently asked questions
What happened to the Empower app?
Empower's cash advance now operates as Tilt. Tilt's site lists advances of $10 to $500, an $8 monthly subscription after a 14-day trial for first-time customers, and no credit check for the advance. Existing features may differ, so check the app for your current terms.
What apps are like Empower with no monthly fee?
EarnIn has no monthly fee, and MoneyLion Instacash doesn't require a membership. Both charge only if you choose faster delivery. FloatMe's membership also isn't required to request an advance.
Is Klover better than Empower?
They suit different needs. Klover lists no interest or late fees and advances up to $200 on most of its site, while Tilt (formerly Empower) lists up to $500 with an $8 monthly fee after the trial. Compare the limit you're actually offered and the fees on screen.
What apps are like Klover?
EarnIn, MoneyLion, Dave, Brigit, Cleo, FloatMe and Tilt offer similar small advances repaid from your next deposit. If you need more than these apps typically offer, lenders in our network handle requests from $100 to $5,000.
Which cash advance app gives the most money?
EarnIn advertises up to $1,000 per pay period, and Chime MyPay up to $1,000 for Chime members. MoneyLion reaches $1,000 with Spend direct deposit. First-time limits are usually far lower on every app.
Sources
- Tilt (formerly Empower) — official site
- Klover — official site
- EarnIn — Cash Out (official)
- MoneyLion — Instacash (official)
- Cleo — pricing (official)
- FloatMe — official site