Tilt

Tilt is a consumer credit provider that markets cash advances, credit cards and lines of credit to people whose credit scores alone would limit their access to mainstream borrowing. Its cash advance product delivers $10 to $500, with instant delivery offered as an optional paid feature and no interest, late fees or credit check. Its line of credit extends up to $1,000, typically starting at a $200–$400 limit and increasing over time, and is positioned as a way to build positive credit history; applicants of all credit scores are invited to apply. Its credit cards allow pre-qualification without impact to the applicant's credit score, can be used immediately upon approval, and may be considered for a limit increase as early as four months in.

Underwriting is based on more than 250 signals of a customer's financial health rather than a credit score alone, and Tilt states it proactively reviews spending and repayment behavior to offer higher limits and improved terms over time. The mobile app bundles adjacent money-management tools: AutoSave, which moves money toward a savings goal when a customer's budget allows; credit score monitoring with personalized guidance; and budgeting features with spend breakdowns and user-set caps.

Credit products are issued through partner banks: Tilt credit cards are issued by WebBank and the Tilt line of credit is issued by FinWise Bank.

Business model

Tilt originates consumer credit products — credit cards, cash advances and lines of credit — through bank partners (WebBank for credit cards, FinWise Bank for the line of credit), acquiring and servicing customers directly via its own app and website.

Disclosed pricing elements include optional fees for instant delivery of cash advances; the cash advance product is marketed as carrying no interest or late fees. Credit card and line-of-credit pricing is not specified.

Traction

The company reports more than 5 million customers, over $16 billion in cash and credit extended cumulatively, and a 4.8 Trustpilot rating across more than 741,000 reviews.