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Why Empower Cash Advance? Learn more

We believe credit should be more

fair

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Few things in life can make or break the experience of growing up. Your credit health is one of those things.

And your credit score, the universal measure of credit health, wields enormous influence over your day-to-day.

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Like your ability to rent an apartment, land your dream job, lease a ride, pay for insurance, buy a house, or simply borrow money at a reasonable price to cover the essential activities of adulthood (and let’s face it, adulting doesn’t come cheap).

Now consider this: over 100 million Americans are struggling with their credit health*

63 million

Americans have credit scores below 700^

45 million

Americans are either credit invisible or unscorable†

58%

of millennials say their credit score cost them a loan or access to credit

1 in 4

millennials say they never learned how to build good credit in the first place

Aimee Stites

Aimee Stites

@AimeeXCII

I love how hard it is to build or repair credit, but so easy to ruin. One financial mistake can set you back ten years, and then some.

Shelley Lebel

Shelley Lebel

@LebelShelley

And yet you get your credit pulled for everything you need to live; job, car loan, home loan. One erroneous credit error can destroy your life!

Rylee Catane

Rylee Catane

@ryyless

why is getting credit so hard??

It’s no surprise that many of us believe our credit score is holding us back — Because it is.

And it doesn’t have to be this way.

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Empower Thrive LINE OF CREDIT — Coming Soon

Empower is expanding access to fair credit to give anyone the opportunity to improve their financial security and mobility.

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"With Empower Thrive, I've got peace of mind for my family."

— Dennis K.

Our approach goes beyond credit scores and redefines what it means to be "creditworthy.” We’re creating a new standard in credit innovation that gives people a fair shot at getting money at a reasonable cost whenever they need it and boosting their credit profile. Greater credit health means greater financial, professional, and housing opportunities and a clear runway into the traditional credit system.

It’s one small step for credit, one giant leap for credit health.

Hard to believe, we know. But it’s incredible what you can accomplish when you start seeing people as more than just a number.

Join Empower

We’re making credit more inclusive and accessible and credit health more achievable.