So I just found out about this Empower app that's got something called Empower Thrive - basically a $250 line of credit you can get even if your credit score is trash. That's pretty wild because normally banks are super picky about that stuff. The cool part is if you pay it back with your next paycheck, you get 0% interest. Obviously if you're manually picking your repayment date it goes up to 35.99%, but still beats a lot of other options out there. They've got a 14-day free trial before the $8 monthly fee kicks in, and your payments actually report to the credit bureaus so you can build your credit while borrowing. I'm comparing it to other apps right now - some charge more upfront but don't have the subscription fee. The Empower Thrive product seems solid if you're in one of the 25 states they cover and need quick access to cash without getting destroyed by interest rates. Anyone else using this or know of better alternatives? Curious what people think about the monthly subscription model.