Why Empower
Thrive?
A $200-$400 line of credit designed with you in mind
- Repay it your way
- Enjoy regular credit limit increases†
- Build good credit history^
Money With Benefits
$200-$400 credit limit that can grow over time†
Instant access‡ to your credit line
Repay it your
way
Pick a plan that works for you
Chance to build good credit history^
We’ll report your payments
Real users who are Thriving
How it works
Download the Empower app
Get a 14-day trial.
Cancel anytime.
Cancel anytime.
Apply for
Thrive
Takes less than 3 minutes. All credit scores welcome.
Start building credit history
Instant access‡ to a $200-$400 credit line that can grow up to $1000 over time
Credit Reimagined
See what makes us better |  |  | |
|---|---|---|---|
| No minimum credit score |  |  | |
| Instant access to funds‡ | | | |
| Regular credit limit increase† | | | |
| Flexible payment plans | | | |
| Build good credit history^ | | | |
FAQs
You’ve got questions. We’ve got answers.If you’re looking for a flexible and easy way to build credit history, Empower Thrive is for you. You get repay it your way and are rewarded for your on-time payments with limit increase while building good credit history.
The Empower Thrive line of credit makes access to credit easy and affordable:
- Money deposited directly into your account, no additional credit card needed
- Flexible payment plans designed with you in mind to help you stay on track
- Regular credit limit increases when you make on-time payments
- All credit scores welcome and no money down
Your credit history is a reflection of your payment history. Payment history has a big impact on your credit score and good credit scores are needed to hit big financial goals like buying a house or car, renting an apartment, etc.
On average, applying for Thrive takes less than 3 minutes. If approved, you’ll have instant access to your credit line so you can start making credit history.
Download now
Stop stressing and start living
