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⚡ 2-Minute Setup

How Tilt Loans Works

From download to cash in your account — here's exactly what happens at each step.

Get Started →Check Requirements
The Process

5 Steps from App to Cash

Download Tilt app from App Store or Google Play
1

Download & Sign Up

Get the Tilt app on iOS or Android. Create your account with email and phone. Verification under 60 seconds.

Secure bank account connection via Plaid
2

Link Your Bank

Securely connect your checking account via Plaid. Tilt gets read-only access — it can never move money without your request.

Tilt shows personalized advance limit in 2 minutes
3

See Your Limit

Tilt's AI analyzes income and spending patterns and shows your personalized advance limit — typically within 2 minutes.

Request cash advance — choose instant or standard delivery
4

Request Your Advance

Choose your amount (up to your limit) and select delivery: standard free (1–5 days) or instant to your Tilt card (also free).

Automatic repayment on your next payday
5

Repay & Repeat

On your next payday, Tilt auto-collects repayment in up to 4 installments. After repaying, your limit resets — often higher.

Products

Everything Included with Tilt

💵

Cash Advance (up to $400)

Emergency cash, no interest, no credit check. Funded same-day to Tilt card.

💳

Credit Card (Credit Builder)

Reports to all 3 bureaus. On-time payments build score. Automatic limit increases.

💰

AutoSave

Automatic savings transfers. Average user saves $400+ in 6 months, hands-free.

🏦

Line of Credit

Flexible revolving credit for larger needs. Income-based, no prepayment penalty.

📊

Credit Monitoring

Real-time score tracking with alerts whenever your credit changes.

🔍

Spend Tracking

Automatic transaction categorization. Know where your money goes.

Application Tips

Tips to Get Approved Faster — and With a Higher Limit

Follow these steps to maximize your approval chances and starting limit from day one.

🏦

Always Use Your Primary Account

Link the account that receives your main income, not a secondary one. Tilt evaluates deposit consistency — your main account tells the strongest story.

📅

Apply Right After Payday

Link your account when your balance is high — right after you get paid. A healthy balance at the time of evaluation typically results in a higher initial limit.

✅

Avoid Overdrafts for 30 Days First

Accounts with no NSF or overdraft activity in the past 30 days consistently receive higher starting limits than accounts with recent overdrafts.

📈

Start Small, Repay Fast

If your first limit is low, don't be discouraged. Request a small advance, repay it on time 2–3 times, and your limit will increase automatically.

💰

Gig Income Qualifies

DoorDash, Uber, Lyft, Upwork, Fiverr — consistent platform deposits count just as much as W-2 payroll. No employer direct deposit required.

⚠️

Keep a Buffer Before Repayment Day

Tilt auto-deducts on your next payday. Make sure your balance can cover it — a buffer of $20–$50 extra prevents overdraft issues on repayment day.

Read the Full Application Guide →

Ready to See How It Works for You?

Download and check your advance limit in under 2 minutes. No credit check.

Get Started — Free →See Rates & Fees
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