Tilt cash-advance and credit APIs

Tilt Finance, Inc. · Lending 4.6 ★

Tilt: Cash Advance & Credit is Tilt Finance, Inc.'s Android client (the product formerly shipped as Empower) for U.S. consumers who would otherwise reach for a payday loan or a bank overdraft. Members sign in, connect a checking account through Plaid or Pinwheel paycheck monitoring, pick a monitoring account, and draw an Empower Advance timed to the next payday — standard ACH or a faster debit-card rail, with a delivery fee on express. The same home stack covers a Tilt checking account with physical and virtual debit cards, a revolving line of credit, installment loans, credit-score monitoring, AutoSave, and a credit-card application at apply.tilt.com. Tilt Finance, Inc. is a financial technology company, not a bank; checking and debit products sit at partner banks. The app competes with Dave, EarnIn, Brigit, MoneyLion and Possible Finance in the U.S. cash-advance niche; the Play listing is Tilt: Cash Advance & Credit, rated 4.6 from 305K reviews.

Empower Advance eligibility stamps is_eligible and an offer ladder of approved_amounts against the paycheck-monitored monitoring_account_id. A posted draw records advance_id, amount, delivery_fee and repay_date; collection posts account_id and preferred_payment_rail. Linked banks expose account_number_last_four and is_paycheck_monitored, Tilt checking adds spent_today and card_number_last_four, revolving headroom is limit_dollars, installment loans carry has_cash_advance_history, daily spend analysis ties last_paycheck_amount to daily_budget, and bureau monitoring returns score with historical_scores. Lending-ops, paycheck-budget and credit-monitoring tools consume that member ledger; openData Studio turns it into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Fetch Empower Advance eligibility summary

GET /v1/advances/summary openfinance

Returns lite eligibility (is_eligible, amount, monitoring_account_id) plus any in-flight current_advance for the home cash-advance card.

Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.

eligibility
is_eligible
amount
pre_enroll_state
next_available_advance_date
monitoring_account_id
locked_offer
current_advance
advance_id
repay_date
advance_date
delivery_fee
status
partial_repayment_status
was_previous_repayment_plan_cancelled_for_settlement
partial_repayment
show_early_repayment_message

GET /v1/advances/summary HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>

{
  "eligibility": {
    "is_eligible": true,
    "amount": 150.0,
    "pre_enroll_state": 2,
    "next_available_advance_date": "2026-11-01T00:00:00.000Z",
    "monitoring_account_id": 44102,
    "locked_offer": null
  },
  "current_advance": {
    "advance_id": 88211,
    "amount": 100.0,
    "repay_date": "2026-10-31T00:00:00.000Z",
    "advance_date": "2026-10-17T00:00:00.000Z",
    "next_available_advance_date": "2026-11-01T00:00:00.000Z",
    "delivery_fee": 3.99,
    "status": 4,
    "partial_repayment_status": 0,
    "was_previous_repayment_plan_cancelled_for_settlement": false,
    "partial_repayment": null,
    "show_early_repayment_message": false
  }
}

Fetch Empower Advance workspace

GET /v1/advances/workspace openfinance

Loads the full Empower Advance workspace: eligible amount, linked debit account id, date stamps and the current advance draw.

Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.

amount
monitoring_account_id
active_stripe_debit_account_id
pre_enroll_state
dates
has_history
current_advance
advance_id
status
delivery_fee
delivery_type
delivery_account
repayment_account
repay_date
advance_date
estimated_arrival
estimated_arrival_description
show_early_repayment_message
metadata
partial_repayment
repayment_plan_status
was_previous_repayment_plan_cancelled
was_previous_repayment_plan_cancelled_for_settlement

GET /v1/advances/workspace HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>

{
  "amount": 150.0,
  "monitoring_account_id": 44102,
  "active_stripe_debit_account_id": 7781,
  "pre_enroll_state": 2,
  "dates": {
    "next_available_advance_date": "2026-11-01T00:00:00.000Z",
    "next_repayment_date": "2026-10-31T00:00:00.000Z"
  },
  "has_history": true,
  "current_advance": {
    "advance_id": 88211,
    "status": 4,
    "amount": 100.0,
    "delivery_fee": 3.99,
    "delivery_type": 1,
    "repay_date": "2026-10-31T00:00:00.000Z",
    "advance_date": "2026-10-17T00:00:00.000Z",
    "estimated_arrival": "2026-10-17T18:00:00.000Z",
    "estimated_arrival_description": "Same day",
    "show_early_repayment_message": false,
    "repayment_plan_status": 0,
    "was_previous_repayment_plan_cancelled": false,
    "was_previous_repayment_plan_cancelled_for_settlement": false
  }
}

Fetch Empower Advance offer options
GET /v1/advances/offer-options openfinance
Returns the offer ladder: qualification_status, approved_amounts and the preselected_amount shown on the draw picker.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- qualification_status
- approved_amounts
- amount_details
- preselected_amount
- graduation_copy
- qualifications
- variant
- components
- low_offer_content
```
GET /v1/advances/offer-options HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
```
```
{
  "qualification_status": 1,
  "approved_amounts": [
    50.0,
    75.0,
    100.0,
    150.0
  ],
  "amount_details": [],
  "preselected_amount": 100.0,
  "graduation_copy": null,
  "qualifications": null,
  "variant": "control",
  "components": null,
  "low_offer_content": null
}
```

Enroll in Empower Advance

POST /v1/advances/requests openfinance

Posts a new Empower Advance draw with amount, delivery_type and next_repay_date and returns the advance record including advance_id and estimated_arrival.

Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.

amount
delivery_type
next_repay_date
advance_id
status
delivery_fee
delivery_account
repayment_account
repay_date
advance_date
estimated_arrival
estimated_arrival_description
show_early_repayment_message
metadata
partial_repayment
repayment_plan_status

POST /v1/advances/requests HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
Content-Type: application/json

{
  "amount": 100.0,
  "delivery_type": 1,
  "next_repay_date": "2026-10-31"
}

{
  "advance_id": 88211,
  "status": 2,
  "amount": 100.0,
  "delivery_fee": 3.99,
  "delivery_type": 1,
  "repay_date": "2026-10-31T00:00:00.000Z",
  "advance_date": "2026-10-17T00:00:00.000Z",
  "estimated_arrival": "2026-10-17T18:00:00.000Z",
  "estimated_arrival_description": "Same day",
  "show_early_repayment_message": false,
  "repayment_plan_status": 0,
  "was_previous_repayment_plan_cancelled": false,
  "was_previous_repayment_plan_cancelled_for_settlement": false
}

Repay current Empower Advance
POST /v1/advances/current/repayments openfinance
Collects the outstanding Empower Advance from account_id on preferred_payment_rail; is_split_payment flags a settlement split.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- account_id
- preferred_payment_rail
- is_split_payment
```
POST /v1/advances/current/repayments HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
Content-Type: application/json

{
  "account_id": 44102,
  "preferred_payment_rail": "ach",
  "is_split_payment": false
}
```
```
{}
```
Fetch Empower Advance history
GET /v1/advances/ledger openfinance
Pages historical draws (id, amount, advance_date) and repayments (repaid_date, scheduled_repay_date) with size/cursor/direction.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- draws
- repayments
- id
- amount
- advance_date
- repaid_date
- scheduled_repay_date
- size
- cursor
- direction
```
GET /v1/advances/ledger?size=20&direction=desc HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
```
```
{
  "draws": [
    {
      "id": 88211,
      "amount": 100.0,
      "advance_date": "2026-10-17T00:00:00.000Z"
    }
  ],
  "repayments": [
    {
      "id": 55102,
      "amount": 100.0,
      "repaid_date": "2026-10-31T12:04:00.000Z",
      "scheduled_repay_date": "2026-10-31T00:00:00.000Z"
    }
  ]
}
```
Fetch Empower Advance repayment dates
GET /v1/advances/schedule-options openfinance
Returns next_available_advance_date, next_repayment_date and repayment_date_options used by the enroll calendar.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- dates
- repayment_possible_dates
- next_available_advance_date
- next_repayment_date
- next_available_advance_date_description
- repayment_date_options
- max_repayment_date_options
```
GET /v1/advances/schedule-options HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
```
```
{
  "dates": {
    "next_available_advance_date": "2026-11-01T00:00:00.000Z",
    "next_repayment_date": "2026-10-31T00:00:00.000Z",
    "next_available_advance_date_description": "Friday",
    "repayment_date_options": [
      "2026-10-24T00:00:00.000Z",
      "2026-10-31T00:00:00.000Z"
    ],
    "max_repayment_date_options": 4
  },
  "repayment_possible_dates": null
}
```
List linked accounts
GET /v1/bank-links openbanking
Lists linked bank and Tilt accounts with balance, last-four, is_paycheck_monitored and is_empower_account flags.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- account_id
- account_type
- account_actual_type
- account_number_last_four
- institution_account_id
- balance
- name
- limit
- is_hidden
- is_empower_account
- debit_card_id
- is_paycheck_monitored
- account_permissions
```
GET /v1/bank-links HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
```
```
[
  {
    "account_id": 44102,
    "account_type": 1,
    "account_actual_type": 1,
    "account_number_last_four": "2198",
    "institution_account_id": "ins_acc_7f21",
    "balance": 842.17,
    "name": "Checking \u2022\u20222198",
    "limit": 0.0,
    "is_hidden": false,
    "is_empower_account": false,
    "debit_card_id": 7781,
    "is_paycheck_monitored": true,
    "account_permissions": 3
  }
]
```
Fetch Tilt checking account
GET /v1/deposit-account/snapshot openbanking
Reads the Tilt/Empower checking snapshot: balance, spent_today, routing_num, card_number_last_four and card_state.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- account_id
- account_num
- routing_num
- balance
- spent_today
- card_number_last_four
- has_activity
- card_state
- apy
- is_customer_locked
- active_perk_id
- has_paycheck_with_empower
- max_perk_cashback
- physical_cards
- virtual_cards
```
GET /v1/deposit-account/snapshot HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
```
```
{
  "account_id": 99014,
  "account_num": "123456789",
  "routing_num": "101000187",
  "balance": 214.55,
  "spent_today": 18.4,
  "card_number_last_four": "4412",
  "has_activity": true,
  "card_state": 1,
  "apy": 0.0,
  "is_customer_locked": false,
  "active_perk_id": null,
  "has_paycheck_with_empower": true,
  "max_perk_cashback": 0.0,
  "physical_cards": [],
  "virtual_cards": []
}
```
Fetch credit-score details
GET /v1/credit-health/score opendata
Returns bureau score, period change, rating_name and historical_scores used by the credit-monitoring screen.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- score
- change
- rating_name
- rating_description
- last_updated
- next_update
- ranges
- historical_scores
- score_factors
- suggestions
- graph_color
```
GET /v1/credit-health/score HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
```
```
{
  "score": 671,
  "change": 8,
  "rating_name": "Fair",
  "rating_description": "Fair credit",
  "last_updated": "2026-10-12T00:00:00.000Z",
  "next_update": "2026-11-12T00:00:00.000Z",
  "ranges": [],
  "historical_scores": [],
  "score_factors": [],
  "suggestions": [],
  "graph_color": "#3D8B5F"
}
```
Fetch line-of-credit info
GET /v1/revolving-credit/status openfinance
Loads revolving-credit headroom as limit_dollars plus passed_precheck and any current_loan on the line.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- current_loan
- disclaimer
- status
- passed_precheck
- limit_dollars
```
GET /v1/revolving-credit/status HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
```
```
{
  "current_loan": null,
  "disclaimer": "Line of credit subject to approval.",
  "status": 1,
  "passed_precheck": true,
  "limit_dollars": 500.0
}
```
Fetch installment-loan info
GET /v1/installment-credit/status openfinance
Returns installment-loan status, passed_precheck and has_cash_advance_history used to gate loan offers.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- current_loan
- disclaimer
- status
- passed_precheck
- has_cash_advance_history
```
GET /v1/installment-credit/status HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
```
```
{
  "current_loan": null,
  "disclaimer": "Installment loans subject to credit approval.",
  "status": 1,
  "passed_precheck": true,
  "has_cash_advance_history": true
}
```
Fetch daily paycheck analysis
GET /v1/spend/paycheck-cycle opendata
Returns paycheck-tied spend analysis: last_paycheck_amount, total_spend_since_last_paycheck, days_until_next_paycheck and daily_budget.
Auth: Authorization: Bearer <access_token> from the member's signed-in session (issued after sign-in and second-factor verification), plus an app-level secret header sent on every call.
- is_eligible
- paycheck_info
- last_paycheck
- next_paycheck
- last_paycheck_amount
- total_spend_since_last_paycheck
- days_until_next_paycheck
- daily_budget
```
GET /v1/spend/paycheck-cycle HTTP/1.1
Authorization: Bearer <token>
X-App-Secret: <app-secret>
```
```
{
  "is_eligible": true,
  "paycheck_info": {
    "last_paycheck": "2026-10-03T00:00:00.000Z",
    "next_paycheck": "2026-10-17T00:00:00.000Z",
    "last_paycheck_amount": 1240.55,
    "total_spend_since_last_paycheck": 611.2,
    "days_until_next_paycheck": 4,
    "daily_budget": 78.16
  }
}
```

Fetch public product settings

GET /v1/product-limits opendata

Public product knobs: cash_advance_max/min, loans_config APR and late fees, AutoSave bounds and cash_advance_offer_meta averages. No session Bearer.

Auth: No member session required; only the app-level secret header is sent.

empower_stripe_key
cash_advance_max
cash_advance_min
max_perk_cashback
loans_config
limit_max_dollars
limit_initial_dollars
standard_apr
grace_period_days
late_fee_dollars
instant_delivery_fee_percent
late_fee_percentage
late_fee_cap
initial_credit_limit_short
empower_socure_key
nbkc_socure_key
autosave_min_amount
autosave_max_amount
cash_advance_offer_meta
average_first_time_amount
average_amount
last_updated_month_year

GET /v1/product-limits HTTP/1.1
X-App-Secret: <app-secret>

{
  "empower_stripe_key": "<publishable-key>",
  "cash_advance_max": "250",
  "cash_advance_min": "20",
  "max_perk_cashback": 0.0,
  "loans_config": {
    "limit_max_dollars": 1000,
    "limit_initial_dollars": 300,
    "standard_apr": 0.2999,
    "grace_period_days": 14,
    "late_fee_dollars": 15,
    "instant_delivery_fee_percent": 0.05,
    "late_fee_percentage": 0.05,
    "late_fee_cap": 25.0,
    "initial_credit_limit_short": "$300"
  },
  "empower_socure_key": "<socure>",
  "nbkc_socure_key": "<nbkc-socure>",
  "autosave_min_amount": 5.0,
  "autosave_max_amount": 250.0,
  "cash_advance_offer_meta": {
    "average_first_time_amount": 75.0,
    "average_amount": 120.0,
    "last_updated_month_year": "October 2026"
  }
}

Data categories

cash advances
balances
credit scores
accounts
loans
paychecks

Where teams use this data

Empower Advance recon
A lending-ops bot matches advance_id, amount and repay_date on the current draw against historyV2 draws/repayments, and alerts when is_eligible flips or approved_amounts shrinks versus cash_advance_max.
Paycheck-timed budget
A cash-flow tool reads last_paycheck_amount, total_spend_since_last_paycheck and daily_budget, then overlays the monitoring account balance and spent_today on Tilt checking so members see headroom before next_paycheck.
Credit-monitoring sidecar
A household-finance dashboard plots historical_scores next to score and rating_name, and flags score_factors when change turns negative between last_updated and next_update.
Line and installment gate
Underwriting software combines limit_dollars and passed_precheck on the line of credit with has_cash_advance_history on installment loans, plus is_paycheck_monitored on linked accounts, before offering a larger product.

Frequently asked questions

What Empower Advance fields does Tilt expose?

GET /v1/advances/summary returns eligibility.is_eligible, amount and monitoring_account_id plus current_advance.advance_id. GET /v1/advances/offer-options lists approved_amounts and preselected_amount. POST /v1/advances/requests posts amount, delivery_type and next_repay_date and returns repay_date plus estimated_arrival.

Can I read linked banks and Tilt checking?

Yes. GET /v1/bank-links lists account_id, balance, account_number_last_four and is_paycheck_monitored. GET /v1/deposit-account/snapshot adds account_num, routing_num, spent_today, card_number_last_four and has_paycheck_with_empower.

How does Tilt authenticate members?

Member routes carry a Bearer access token that is issued after sign-in and a second-factor verification step, and every call also sends an app-level secret header. GET /v1/product-limits is the exception: no Bearer, app secret only.

Is there credit, loan or paycheck data beyond the advance?

Yes. GET /v1/credit-health/score returns score, change, rating_name and historical_scores. GET /v1/revolving-credit/status exposes limit_dollars; GET /v1/installment-credit/status adds has_cash_advance_history. GET /v1/spend/paycheck-cycle ties last_paycheck_amount to daily_budget and days_until_next_paycheck.

Apps similar to Tilt: Cash Advance & Credit

EarnIn — EarnIn Cash Out lets U.S. workers access wages they have already earned — up to $200 a day and $1,000 per pay period — with no credit check, no interest, and no mandatory fees on standard transfers that typically take 1–2 business days.
Dave — Dave ExtraCash advances $25–$500 with no credit check, interest, or late fees, typically authorized within 5 minutes, alongside a Dave Checking account and an optional 1.5% fee for external debit-card transfers.
Brigit — Brigit Instant Cash advances $25–$500 with no credit check and no late fees, on a monthly subscription of $8.99–$15.99, with optional express delivery that most members receive within 20 minutes.
MoneyLion — MoneyLion Instacash advances up to $500 with no interest, no credit check and no mandatory fees, with free standard delivery in 1–5 business days or optional instant Turbo delivery, and a higher limit of up to $1,000 for qualifying MoneyLion Spend direct deposits.
Possible Finance — Possible Advance is an instant cash advance of up to $300 with no late fees and no credit check, offered on a $15 monthly subscription, alongside Possible loans of up to $500 that can be repaid over time.
Current — Current Paycheck Advance lets eligible members who switch payroll qualify for up to $1,000 with no credit check, with free delivery in three days or optional Instant Access for a fee.
FloatMe — FloatMe offers interest-free Floats of up to $200 with no credit check and no late fees, repaid on the next payday, plus budgeting tools on a $6.99 monthly membership, with free standard delivery.
Klover — Klover lets users link a bank account and take a cash advance of up to $750 with no credit check, no interest and no late fees, plus a points program from in-app surveys and ads.

More Lending apps

Topics

Tilt API
Empower Advance data
is_eligible
approved_amounts
limit_dollars
monitoring_account_id
Tilt checking
Tilt Finance

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Tilt cash-advance and credit APIs

Screenshots

API surface

Fetch Empower Advance eligibility summary

Fetch Empower Advance workspace

Fetch Empower Advance offer options

Enroll in Empower Advance

Repay current Empower Advance

Fetch Empower Advance history

Fetch Empower Advance repayment dates

List linked accounts

Fetch Tilt checking account

Fetch credit-score details

Fetch line-of-credit info

Fetch installment-loan info

Fetch daily paycheck analysis

Fetch public product settings

Data categories

Where teams use this data

Empower Advance recon

Paycheck-timed budget

Credit-monitoring sidecar

Line and installment gate

Frequently asked questions

Apps similar to Tilt: Cash Advance & Credit

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

Tilt cash-advance and credit APIs

Screenshots

API surface

Fetch Empower Advance eligibility summary

Fetch Empower Advance workspace

Fetch Empower Advance offer options

Enroll in Empower Advance

Repay current Empower Advance

Fetch Empower Advance history

Fetch Empower Advance repayment dates

List linked accounts

Fetch Tilt checking account

Fetch credit-score details

Fetch line-of-credit info

Fetch installment-loan info

Fetch daily paycheck analysis

Fetch public product settings

Data categories

Where teams use this data

Empower Advance recon

Paycheck-timed budget

Credit-monitoring sidecar

Line and installment gate

Frequently asked questions

Related apps

Apps similar to Tilt: Cash Advance & Credit

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?