Never. We celebrate transparency and want you to understand where your money goes. So let’s talk fees.
Tilt Subscription
Tilt offers a 14-day trial for first-time customers. After the trial, we charge an $8 monthly subscription fee that auto-renews. The subscription fee is automatically debited from your linked bank account every month. See terms here.
Remember that deleting the app doesn't unsubscribe you. You can cancel your subscription in the “Billing” section of the More tab in your Tilt app or by contacting Support.
Cash Advance
There’s no interest or late fees for Cash Advance.
Instant Delivery
There's no fee to receive your Cash Advance via ACH to your linked bank account. Delivery usually occurs within 1 business day (next day ACH), depending on your bank.
If you have a qualifying Tilt Card, you can receive Cash Advances to this account instantly without a fee.
If you choose instant delivery to your linked bank account, you'll pay:
| 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 |
Note to Maryland residents: Your instant delivery fees are capped at $7.50 due to laws in your state.
Credit Cards
Tilt Credit Cards each carry slightly different fees. Here’s how they compare:
| Card | APR | Annual Fee | Security deposit | Foreign transaction fee | Late fee | Cash-like transaction fee |
| Essentials | 29.99% |
$0 | $0 | $0 | Up to $40 | Higher of $5 or 5% |
| 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% |
| Mastercard | 33.99% |
$0 | $0 | $0 |
$30 |
(Cash-like transactions not available in this card) |
Line of Credit
Line of Credit is available to customers in most U.S. states. Here are the fees you need to know:
Instant Delivery
If you choose instant delivery to your bank account, fees for draws up to $300 match our Cash Advance fees above. For draws over $300, you'll pay the lesser of $20 or 3% of the draw amount.
For example:
- $200 draw with instant delivery: $7 fee
- $400 draw with instant delivery: $12 fee
- $800 draw with instant delivery: $20 fee
Interest
Tilt gives you repayment options that work for you. If you repay your draw in full on your next paycheck date (shown in the app), you'll pay 0% APR (no interest). If you choose to manually schedule your repayment or select multiple split payments, you'll pay 35.99% APR or as required by state law.
Late Fees
You'll pay up to $20 per late fee. Late fees equal 5% of the overdue principal amount, not to exceed $20.
For example, if your overdue principal is $50, you'll pay a $2.50 late fee.
Tilt Debit Card
Tilt Card customers pay 1% foreign exchange fees on international transactions. See the nbkc deposit account agreement here for more information.
You can also check out our fee schedule here.
Customers who signed up before 7/29/2020 continue to pay $6 monthly for their subscription.