No. We're committed to transparency — here's a full breakdown of every fee.
Tilt Subscription
Tilt charges an $8/month subscription fee. First-time customers get a 14-day trial. After the trial, the fee is automatically debited from your linked bank account.
Cash Advance
No interest. No late fees. No fee to receive Cash Advance via ACH to your linked bank account (delivery is usually 1 business day).
Instant delivery fees:
Cash Advance Amount | Instant Delivery Fee |
$0-$10.00 | $1.00 |
$10.01-$49.99 | $2.00 |
$50.00 - $74.99 | $3.00 |
$75.00 - $99.99 | $4.00 |
$100.00 - $149.99 | $5.00 |
$150.00 - $199.99 | $6.00 |
$200.00 - $249.99 | $7.00 |
$250.00 - $299.99 | $8.00 |
$300 or more | 3% of Advance Amount |
Cash Advance Plus
Cash Advance Plus is available to new customers in California. It's a revolving line of credit.
Draw fee: 2%
Interest: 0% APR — interest-free
Late fees: None
Instant delivery: Optional. Same fee schedule as Cash Advance (see table above)
Line of Credit
Instant delivery fees for draws up to $300 match Cash Advance rates above. For draws over $300, you'll pay the lesser of $20 or 3% of the draw amount.
Interest: Repay your draw in full by your next paycheck date and pay 0% APR. Choose a split repayment plan and pay 35.99% APR (or as required by state law).
Late fees: Up to $20 per late fee (5% of overdue principal, not to exceed $20).
Credit Cards
Tilt Credit Cards each carry slightly different fees. Here’s how they compare:
Card | APR | AMF | Security deposit | Foreign transaction fee | Late fee | Cash-like transaction fee |
Essentials | 29.99% | $0 | $0 | $0 | $0 | $0 |
Motion | 29.24%– 34.24% | $0 | $0 | $0 | Up to $40 | Higher of $5 or 5% |
Engage | 29.24%– 34.24% | $59 | $0 | $0 | Up to $40 | Higher of $5 or 5% |
Tilt Debit Card
1% foreign exchange fee on international transactions. See the nbkc deposit account agreement for full details. You can also check out our fee schedule here.