Quick Answer
What Are Tilt's Real Fees?
$8/month subscription covers everything. Standard delivery is always free. Instant to Tilt card is free. Instant to external bank costs $1–$8. Zero interest, zero late fees, zero origination fees.
- $8/month — covers all features, cancel anytime
- Standard delivery: always free (1–5 days)
- Instant to Tilt card: free · External bank: $1–$8
The $8/Month Subscription
Covers cash advance, credit card, AutoSave, credit monitoring, spend tracking. Cancel anytime. May be waivable by contacting support.
Instant Delivery Fees
Standard (1–5 days): always free. Instant to Tilt card: free. Instant to external bank: $1–$4 (under $100), $5–$8 ($100–$299), ~3% ($300–$400).
What Tilt Never Charges
- Interest/APR: $0
- Late fees: $0
- Origination fees: $0
- Rollover fees: $0
- Prepayment penalty: $0
How to Minimize Tilt Costs
- Use standard delivery when you can plan ahead
- Use your Tilt card for free instant delivery
- Take larger advances ($300–$400) for lower cost-per-dollar
- Ask support if the $8 can be waived