Just discovered that Empower rolled out this new $250 credit line and honestly, the no credit score requirement thing is pretty interesting. Like, you don't need perfect credit to qualify—they just check your bank account info and paycheck history instead. The whole empower préstamos angle makes sense if you're trying to build credit without getting rejected everywhere. So if you take it out and pay back by your next paycheck, it's 0% interest. But if you manually pick a different repayment date, they charge 35.99%, which is steep. You can grow your limit up to $1,000 if you're consistent with payments. The catch is you need to pay $8 monthly, which other loan apps don't usually charge. They report everything to the three major credit bureaus, so that's solid for actually building your profile. What's weird is you can't stack this with their cash advance—have to pay off one before getting the other. Compared to similar apps, Empower's subscription fee is a trade-off, but the 0% option if you're disciplined enough to pay on schedule is legit. Worth checking out if you're looking to borrow and rebuild at the same time, I guess?