# tilt.com

> AI-optimized mirror of tilt.com containing 248 pages totalling 134,815 words of clean markdown content, structured data, and semantic HTML. Original source: https://tilt.com. Last updated: 2026-07-28T07:31:28.964Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [Welcome to the Tilt Engineering Blog](/content/engineering/index.html): We invite our engineers to publish posts regularly about topics they’re passionate about to give you an inside look at our engineering organization and share our ideas with you.  (398 words)
- [support/index.html](/content/support/index.html) (356 words)
- [Cash Advances & Credit Cards—Powered by Your Potential | Tilt](/content/site-root.html): Tilt helps you access cash and credit by looking at your income and spending, not just your credit score. 3 in 4 customers approved for cash or credit today. (246 words)

## Articles & Blog Posts

- [How to set up direct seposit | Tilt](/content/support/kb/guide/en/how-to-set-up-direct-seposit-3x8y6jy0bv/steps/4921926/index.html): Setting up direct deposit sends your paycheck straight to your Tilt Card account — and if your employer submits payroll early, you may receive it up to 2 business days before your pay date. There are three ways to get set up: Enter your account and routing number manually Share these with your employer or payroll provider:On the Home tab, tap ⋯ in the Card section.Tap Account to view your account and routing number.Generate a direct deposit formOn the Home tab, tap ⋯ in the Card section.Tap Account > Direct deposit > Generate direct deposit form.Connect your payroll provider directlyOn the Home tab, tap ⋯ in the Card section.Tap Account > Direct deposit > Find employer and follow the steps. If your employer asks for bank details:Bank name: nbkc bankAddress: 3510 W 95th Street, Leawood, KS 66206Use the routing number shown in your Tilt app — not the one on nbkc's website. They're different, and using the wrong one will cause your deposit to fail. About early paycheck access If your employer submits payroll ahead of schedule, your deposit may arrive up to 2 business days early. This depends on when your employer sends the funds — Tilt releases the deposit as soon as it's received. Government payments (such as unemployment or tax refunds) aren't eligible for early access. Those deposits arrive by 7:00 AM PT on your scheduled pay date. (211 words)
- [How to add money to your Tilt Card | Tilt](/content/support/kb/guide/en/how-to-add-money-to-your-tilt-card-tqg6qpma7x/steps/4921971/index.html): You can fund your Tilt Card account with: Direct deposit — Get your paycheck sent directly to your Tilt account. Set up direct deposit Bank transfer — Move money from another bank to your Tilt Card. Transfers take 3–4 business days. How to transfer funds Mobile payment apps — Fund your account through apps like PayPal, Cash App, or Venmo. How to connect payment apps We don't currently support cash or check deposits. (73 words)
- [Cash Advance - Referral Program](/content/referralterms/index.html) (322 words)
- [How to get a 1099-INT form | Tilt](/content/support/kb/guide/en/how-to-get-a-1099-int-form-6qbj67uq7q/steps/4921936/index.html): 1099-INT forms are issued to members who earned more than $10 in interest from nbkc bank in a calendar year. If eligible, your form will be available in the Tilt app by mid-February. If you didn't receive one, you likely earned less than $10 in interest for the year. For questions, contact us. (55 words)
- [Who is the banking provider? | Tilt](/content/support/kb/guide/en/who-is-the-banking-provider-w9s1la6hi7/steps/4921933/index.html): Tilt is a financial technology company, not a bank. Banking services for the Tilt Card are provided by nbkc bank, Member FDIC. FDIC insurance Your Tilt account balances held at nbkc bank are insured up to $250,000 per depositor. nbkc uses a deposit network, meaning some or all of your funds may be placed at other FDIC-insured institutions. Balances moved to network banks are eligible for FDIC insurance once they arrive. For a full list of network banks, visit cambr.com/bank-list. For more about pass-through deposit insurance, see your Account Documentation. Additional information on FDIC insurance: fdic.gov/resources/deposit-insurance Bank details Bank name: nbkc bankAddress: 3510 W 95th Street, Leawood, KS 66206 (110 words)
- [How to transfer funds | Tilt](/content/support/kb/guide/en/how-to-transfer-funds-wtd53g6q4e/steps/4921929/index.html): From your external bank (3–4 business days) Use your Tilt account and routing number, or search for "Tilt.com" in your bank's transfer tool and log in with your phone number and Tilt passcode. External transfers post at 7:00 AM PT on the availability date.Use the routing number from your Tilt app — not nbkc's website. From the Tilt app (1–2 business days for external; immediate between Tilt accounts)On the Home tab, tap the transfer icon on the account you want to transfer to or from.Enter the amount, select your accounts, and tap Start transfer. Tilt doesn't support wire transfers.  (90 words)
- [How to dispute a Tilt debit card charge? | Tilt](/content/support/kb/guide/en/how-to-dispute-a-tilt-debit-card-charge-61e5mnncuh/steps/4921942/index.html): If you see a charge on your Tilt debit card that you don't recognize or that looks incorrect, here's how to dispute it.Before you file: check if the charge has settledLook up the transaction in the Tilt app. If it's still pending, wait until it settles — disputes can only be opened on settled transactions. Once it posts, you have up to 90 days from the settlement date to file.Identify your dispute typeUnauthorized charge — You didn't make this transaction (potential fraud or stolen card)Authorized but incorrect — You made the purchase, but the amount is wrong, the item wasn't delivered, or you were charged twiceHow to fileContact us by phone with the following ready:Date of the transactionMerchant name and transaction amountWhether the charge was unauthorized or authorized but incorrectIf your dispute involves an unauthorized charge, we'll also issue a new debit card immediately to protect your account. It will arrive within 7–10 business days.What happens after you fileWe open an investigation as required under federal Regulation E and apply a provisional credit to your account within 5–10 business days for the disputed amount. This temporary credit protects your access to those funds while we investigate. We'll send you email updates throughout the process. Most disputes are resolved within 45–90 days. Some cases take up to 120 days if the merchant responds and additional review is needed.Possible outcomesDispute won — The provisional credit stays in your account permanently.Dispute not found in your favor — The provisional credit is reversed and the original charge remains. We'll mail you a letter explaining the outcome.Merchant issued a refund — The provisional credit is reversed; the merchant refund appears separately in your transaction history.Dispute cancelled — If you contact us to cancel before resolution, the provisional credit is reversed. (313 words)
- [How to connect Tilt to payment apps | Tilt](/content/support/kb/guide/en/how-to-connect-tilt-to-payment-apps-lx1prdnkg0/steps/4921931/index.html): There are multiple ways to link your Tilt account to payment apps: Cash App, Venmo: Search for Tilt.com in the app's bank list. Use your phone number as the username and your Tilt passcode as the password. PayPal: Enter your Tilt account and routing number directly. Apple Pay, Google Pay: Add your Tilt debit card details in the wallet app. (60 words)
- [What are my withdrawal limits? | Tilt](/content/support/kb/guide/en/what-are-my-withdrawal-limits-odfyk9g7l1/steps/4921925/index.html): The daily ATM withdrawal limit is $500, and the daily debit card purchase limit is $2,000. Your daily transfer limit is $2,500, increasing to $5,000 after 31 days from your first transaction. Tilt doesn't offer overdrafts or charge overdraft fees, so transactions will decline if you try to spend more than your balance. (48 words)
- [Can I use my Tilt account for business or third-party deposits? | Tilt](/content/support/kb/guide/en/can-i-use-my-tilt-account-for-business-or-third-party-deposits-4kvmj4stiy/steps/4921928/index.html): No. We only offer personal accounts in your name. Business deposits: You shouldn’t use your account for any business-related deposits or purposes. If you're expecting a business deposit, contact the sender immediately to change the deposit information to a different account. Third-party deposits: Any deposit with a name that doesn't match the account holder will be returned. If you're expecting a deposit for another person, contact the sender immediately to reroute it to another account. (75 words)
- [How international transactions work | Tilt](/content/support/kb/guide/en/how-international-transactions-work-iuh36eglm4/steps/4921938/index.html): Your Tilt debit card works internationally — no need to notify us before traveling. International purchases include a 1% foreign exchange fee, reflected in your final transaction amount. (28 words)
- [Can I add an authorized user? | Tilt](/content/support/kb/guide/en/can-i-add-an-authorized-user-tzbtgbmkdh/steps/4921975/index.html): Tilt doesn't currently support authorized users, joint accounts, or duplicate debit cards. (14 words)
- [How to view your monthly statements | Tilt](/content/support/kb/guide/en/how-to-view-your-monthly-statements-vemd4amvow/steps/4921930/index.html): Go to the More tab.Tap Account, then Bank statements.Statements are available around the 4th business day of each month. (21 words)
- [How to find you account and routing number? | Tilt](/content/support/kb/guide/en/how-to-find-you-account-and-routing-number-mlazpaba8y/steps/4921932/index.html): On the Home tab, tap ⋯ under the account you want.Tap Account to see your account and routing number.Use the routing number shown in your Tilt app — not the one on nbkc's website. Using the wrong number will prevent transfers from going through. (20 words)
- [How do I change my subscription billing account? | Tilt](/content/support/kb/guide/en/how-do-i-change-my-subscription-billing-account-enuxy8dkqz/steps/4921967/index.html): To update your subscription billing account:
Go to More in the Tilt appTap Billing, then tap your billing accountSelect the account you'd like to use and tap Add account
 (31 words)
- [Account & Transfers | Tilt](/content/support/kb/en/account-transfers-504246/index.html): What are my withdrawal limits?, How to set up direct seposit, Can I use my Tilt account for business or third-party deposits?, How to transfer funds, How to view your monthly statements, How to connect Tilt to payment apps, How to find you account and routing number?, Who is the banking provider?, How to get a 1099-INT form, How international transactions work, How to add money to your Tilt Card, Can I add an authorized user? (657 words)
- [How do I access Tilt? | Tilt](/content/support/kb/guide/en/how-do-i-access-tilt-xf2dpiwjkt/steps/4921986/index.html): The Tilt app is the best way to access all of our products and money tools. It's available on iOS and Android. Download the appiOS: Search "Tilt" in the App Store or visit tilt.com Android: Search "Tilt" in the Google Play Store or visit tilt.com  Web accessSome sign-up steps are available on the web, but the full Tilt experience, including all money tools and account management, requires the mobile app. (72 words)
- [How do Tilt Perks work? | Tilt](/content/support/kb/guide/en/how-do-tilt-perks-work-rbkh0nh9fa/steps/4921944/index.html): Eligible Tilt Card members can activate a Perk to earn cash back on qualifying purchases. Only one Perk can be active at a time, but you can swap at any time. To activate a Perk:On the Home tab, tap Add in the Perk section below your Tilt Card balance.Select your Perk and tap Add Perk.To change your Perk:Tap Change in the Perk section.Select the new Perk and tap Add Perk.Frequently asked questionsWhen do I get my cash back? Cash back posts once your transaction settles, which can take up to 3 business days. Is there a maximum cash back amount? Yes — each Perk has a cap. Tap the Perk to see details. What if I forgot to activate my Perk before purchasing? We can't apply cash back for purchases made without an active Perk. Can I activate multiple Perks at once? No. Make sure your Perk is active before making qualifying purchases. (160 words)
- [When will my debit card arrive? | Tilt](/content/support/kb/guide/en/when-will-my-debit-card-arrive-z3oxyk1sva/steps/4921943/index.html): Your card takes 1 business day to print, then ships via USPS. It typically arrives within 7–9 business days after that. If it's been more than 2 weeks, contact us to verify your mailing address. (35 words)
- [support/hc/en-us/articles/19492872887447/index.html](/content/support/hc/en-us/articles/19492872887447/index.html) (450 words)
- [How do I open a Tilt Card account? | Tilt](/content/support/kb/guide/en/how-do-i-open-a-tilt-card-account-n4frdcjtpg/steps/4921981/index.html): In the Tilt app:
Tap Get Started on the Home tab or visit More > Open an Account
Follow the steps to complete signup (24 words)
- [How does the referral program work? | Tilt](/content/support/kb/guide/en/how-does-the-referral-program-work-sm3tm85drp/steps/4921907/index.html): When you refer a friend to Tilt, you may earn a cash bonus — and so might they. Open the Tilt app to see your current referral offer. How it works Your friend needs to: Download the Tilt app using your unique referral link Create a Tilt account Accept a Cash Advance within 30 days of signing up Once your friend completes those steps, any bonus earned is deposited within 2 business days.  A few things to keep in mind The current bonus amount is shown in your Tilt app. Depending on the active offer, the bonus may apply to you, your friend, or both. Your friend must use your unique referral link to qualify Only available to first-time Tilt subscribersBonuses are not paid if either account is canceled or deactivated before the deposit is made The offer shown in your app at the time your friend completes the referral is the offer that applies   For full details, see the Tilt Referral Terms.  (164 words)
- [How to find free ATMs | Tilt](/content/support/kb/guide/en/how-to-find-free-atms-fy7mcnqjjk/steps/4921953/index.html): There are no fees at in-network ATMs. You can find one in the app or at MoneyPass.com. In the app:On the Home tab, tap ⋯ in the Card section.Tap the Card icon.Tap Find free ATMs. (38 words)
- [What are pending transactions? | Tilt](/content/support/kb/guide/en/what-are-pending-transactions-rsbgac4muh/steps/4921947/index.html): Pending transactions are charges merchants use to verify your card is valid before processing the transaction. These charges stay on your account until the merchant verifies them and generally drop within 3–5 business days. (34 words)
- [How to freeze your debit card | Tilt](/content/support/kb/guide/en/how-to-freeze-your-debit-card-e74gim9zp5/steps/4921939/index.html): On the Home tab, tap ⋯ in the Card section.Tap the Card icon.Tap Freeze card to lock, or Unfreeze card to unlock.You can also unfreeze from the Accounts tab by tapping Unfreeze under the Card section. If your card is lost or you notice suspicious transactions: Freeze your card immediately and contact us. (56 words)
- [How do I update my name on file? | Tilt](/content/support/kb/guide/en/how-do-i-update-my-name-on-file-4ksdix3t4b/steps/4921965/index.html): For help updating your name, contact us. To correct a misspelling (e.g., a typo):Confirm the correct spelling of your nameProvide a government-issued IDTo update your name (e.g., a name change):Confirm your full, new nameProvide an official name change document showing your old and new nameThis process takes up to 3 business days. (58 words)
- [How to reset your debit card PIN | Tilt](/content/support/kb/guide/en/how-to-reset-your-debit-card-pin-rkrahja6me/steps/4921941/index.html): To reset your Debit Card PIN:On the Home tab, tap ⋯ in the Card section.Tap Card, then tap Reset debit PIN. (23 words)
- [engineering/technical-debt-quality-and-trade-offs/index.html](/content/engineering/technical-debt-quality-and-trade-offs/index.html) (1,068 words)
- [How do I update my address on file? | Tilt](/content/support/kb/guide/en/how-do-i-update-my-address-on-file-zocppd0hh2/steps/4921964/index.html): To update your mailing or residential address, contact us with your new address and a document showing your name and new address. Documents we accept (dated within the last 60 days):PaystubUtility billOfficial bank statementUnexpired documents we accept:Driver's License/State ID (no temporary IDs)Automobile registrationSigned lease agreement (make sure the term date is visible)This process takes up to 3 business days. Send us a clear copy to ensure we can process it quickly. (79 words)
- [How to update my phone number | Tilt](/content/support/kb/guide/en/how-to-update-my-phone-number-epy2bnxlek/steps/4975952/index.html): Your phone number is tied to your Tilt account login. You can update it directly in the app. If you no longer have access to your old number, request a change through identity verification by contacting support. Do you have access to your old number or Tilt account? (72 words)
- [How do I update my email on file? | Tilt](/content/support/kb/guide/en/how-do-i-update-my-email-on-file-cwjwfi8lek/steps/4921969/index.html): To update your email address:
Go to More > Profile in the Tilt appTap Email
Enter your new email and tap Request link
Check your email for our verification email to complete the update (check your spam/junk folder too) (40 words)
- [How do I opt out of marketing emails? | Tilt](/content/support/kb/guide/en/how-do-i-opt-out-of-marketing-emails-mkxsve8ize/steps/4921974/index.html): Every marketing email from Tilt has an opt-out option in the footer. Follow the opt-out link and confirm your choice to stop receiving future marketing communications. You can't opt out of transactional emails (like payment confirmations). If you need help, contact us. (59 words)
- [How do I cancel my subscription? | Tilt](/content/support/kb/guide/en/how-do-i-cancel-my-subscription-nxr8r1ussm/steps/4921963/index.html): We understand that sometimes you need to change course. To cancel your Tilt subscription, go to to the Billing section of the app. Tap Cancel subscription at the bottom of the page to complete your cancellation. We’re here if you need us. Don’t hesitate to contact us if there’s anything we can do to make your experience better. We hope to see you back soon. (68 words)
- [What features are available on the Tilt app? | Tilt](/content/support/kb/guide/en/what-features-are-available-on-the-tilt-app-cikr63zruq/steps/4921979/index.html): In the Tilt app, you’ll find cash and credit designed for your success and money tools built for how you actually live and work.  Cash Advance: Get $10–$400 instantly (instant delivery is optional, fees may apply). There are no credit checks to qualify, and no interest or late fees.*  Credit Cards: Spend with flexibility and build credit history. There’s no credit score or security deposit required. Earn cash back rewards and be automatically considered for limit increases. Terms apply. Line of Credit: Start with $200–$400 that can grow up to $1,000 with on-time payments^. Choose from flexible repayments plans to keep you in control. All credit scores are welcome.†  Tilt Card^*: Earn 0.01% APY^** with no minimum balance required. Get your paycheck up to 2 days early and earn up to 10% cashback on select purchases.^*** AutoSave: Build your savings hands-free. Simply set your savings goal by week or pay period and Tilt AI will move aside money as your budget allows.  Easier Budgeting: Set budgets for every spending category and get real-time alerts on paychecks, bills, and purchases. Smart Recommendations: Get automatic tips for better money management. Think notifications like: bill increases, missed bills, bank fees, credit utilization, and more. Credit Score Monitoring: Keep tabs on your credit score in the app. Watch your progress and get tips for better building.  ___________ Tilt offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime. By downloading/using the app you agree to our Privacy Policy (https://tiltmoney.com/privacy). *Not everyone will qualify. Offers range from $10-$400. †Tilt Line of Credit provided by FinWise Bank. Subject to credit approval. We report your payments to the credit bureaus. Failure to make on-time payments may result in negative reporting. Instant delivery is optional, and fees may apply. ^Tilt Credit Cards issued by WebBank. Eligibility requirements apply. Not everyone will qualify for a credit limit increase. If you fail to pay at least your minimum payment by the due date you will not be considered for a credit limit increase and your credit limit may be decreased. ^*Tilt  is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. ^**Banking services provided by nbkc bank, Member FDIC. 0.01% Annual Percentage Yield (APY) may change at any time. APY of 0.01% as of October 1, 2021.  ^***Early access to paycheck deposit funds depends on the timing of the employer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the employer's scheduled payment date. Cashback deals on Tilt Card purchases, including categories, merchants, and percentages, will vary and must be selected in the app. Cashback will be applied automatically when the final transaction posts, which may be up to a week after the qualifying purchase. (468 words)
- [How to request a new debit card | Tilt](/content/support/kb/guide/en/how-to-request-a-new-debit-card-kxlgdm0ce3/steps/4921937/index.html): On the Home tab, tap ⋯ in the Card section.Tap Card, then tap Cancel & order new card.Complete the steps to confirm your address and submit the request.If your card was lost or stolen, review your recent transactions for unauthorized charges and contact us. (53 words)
- [How do I link or unlink a bank account from Tilt? | Tilt](/content/support/kb/guide/en/how-do-i-link-or-unlink-a-bank-account-from-tilt-yqdeqeptqf/steps/4921957/index.html): Before unlinking an account, update any accounts linked to your subscription, AutoSave, Cash Advance, or Thrive Line of Credit to avoid interruptions. If you have an outstanding Cash Advance, we'll need to wait until your repayment processes before you can change accounts. To link a bank account: In the Tilt appGo to Analysis and scroll to the Accounts sectionTap the + iconSearch for your bank using the magnifying glass 🔍 if neededWe use Plaid to connect bank accounts. If your bank isn't available, the list updates regularly so try again later. Linking tips:Make sure your login credentials are correctCheck that your bank allows connections to external institutions (you may need to contact your bank about security settings)To unlink a bank account: In the Tilt app:Go to More > Account > Connected accountsSwipe left on the account you want to removeTap Delete and confirmNote: You can't delete accounts linked to AutoSave or your subscription. (164 words)
- [How to activate your Tilt Debit Card | Tilt](/content/support/kb/guide/en/how-to-activate-your-tilt-debit-card-wmkmc79w8l/steps/4921935/index.html): Once your card arrives in the mail, activate it in the Tilt app before use.On the Home tab, tap ⋯ in the Card section.Tap the Card icon.Tap Activate card and follow the on-screen steps. (37 words)
- [Can I restart my Tilt subscription? | Tilt](/content/support/kb/guide/en/can-i-restart-my-tilt-subscription-vn7rhwfg7p/steps/4921962/index.html): When you’re ready, we’re happy to welcome you back to Tilt. Eligible members can reopen their accounts up to 4 times a year. To reopen your account: Go to More in your Tilt app and tap Reopen if you're eligible, then follow the steps. Returning members aren't eligible for the 14-day trial and will be charged the $8/month subscription fee immediately. (61 words)
- [What documentation do I need during sign-up? | Tilt](/content/support/kb/guide/en/what-documentation-do-i-need-during-sign-up-hwf4mjnuof/steps/4921972/index.html): Sometimes we may need additional information to set up your account. You'll see the request in your app, and review takes about 3 business days after you submit. We typically request a valid U.S. government photo ID and current proof of address. Accepted documents U.S. government photo ID:U.S. driver's licenseU.S. state ID cardUnexpired U.S. passportProof of address (dated within 60 days, matching your signup address):Employer paystubUtility bill (water, gas, electric, or cable)Lease agreementAutomobile registrationOfficial bank statement (102 words)
- [How do I reset my app passcode? | Tilt](/content/support/kb/guide/en/how-do-i-reset-my-app-passcode-esledsfpra/steps/4921970/index.html): To change your app passcode:Go to the More tab in the Tilt appSelect AccountSelect Passcode and follow the steps to resetIf you don't remember your passcode, tap Forgot app passcode? when signing in to reset it. If you’re having trouble, contact us. (46 words)
- [How do I refer a friend to Tilt? | Tilt](/content/support/kb/guide/en/how-do-i-refer-a-friend-to-tilt-g9bfjfybli/steps/4921910/index.html): Share your unique referral link with friends directly from the Tilt app. The steps below work no matter what your current referral offer is.Look for the referral offer on your home screen, or tap the grid icon at the bottom of the screen — your offer appears at the top Copy your link to share it, or tap Invite friends to share directly For more details, check out the Tilt Referral Terms. To learn how the program works, see How does the referral program work?   (92 words)
- [How does Tilt secure my information? | Tilt](/content/support/kb/guide/en/how-does-tilt-secure-my-information-eb92vofnrf/steps/4921985/index.html): Our top priority is protecting your confidential information. Tilt secures your data with bank-level encryption, multi-factor authentication, biometrics, and strict access controls. Your login details are never stored, and we only use regulated providers trusted by major financial institutions. (39 words)
- [What happens to my account if I'm deployed? | Tilt](/content/support/kb/guide/en/what-happens-to-my-account-if-im-deployed-eahreeb9wg/steps/4975974/index.html): If you're called to active duty, the Servicemembers Civil Relief Act (SCRA) protects you from certain financial burdens on accounts you already have. Here's what that means for your Tilt account. What is SCRA?The Servicemembers Civil Relief Act (SCRA) is a federal law that provides financial relief to active duty servicemembers. For credit products you opened before entering active duty, it caps the interest rate you can be charged. What SCRA benefits apply to Tilt accounts?If you opened your Tilt credit account before your active duty start date, you may be eligible for:0% APR on your account, applied from your active duty start dateFee waivers on your accountInterest refund for any interest you paid after your active duty start date — we'll send this to your linked bank account via ACH within 2–3 business days These benefits apply to Tilt credit products including Cash Advance+, Thrive line of credit, and the Tilt Credit Card. If you applied for a Tilt account while already on active duty, different rules apply.For Cash Advance+ members: Cash Advance+ does not accrue interest, so there's no interest refund. Fee waivers still apply if you were charged any fees after your active duty start date.
 For residents of Ohio, Louisiana, and Pennsylvania: You may be eligible for SCRA benefits regardless of when your Tilt account was opened. Contact us and we'll review your eligibility. How to request SCRA benefitsContact us with your name, the account you're requesting benefits for, and your active duty start date. You can also send a written request by mail.We'll verify your active duty status through the official Department of Defense (DoD) database.Once confirmed, we'll apply the 0% APR and fee waiver to your account and send a confirmation email.If you're owed an interest or fee refund, we'll send it to your linked bank account. Funds typically arrive within 2–3 business days.If you're in the Reserves or National GuardReserve and National Guard members may not appear in the standard DoD database right away. If we can't confirm your status there, we'll ask you to provide one of the following documents instead:Leave Earning Statement (LES)Orders or Mobilization letterLetter from your Commanding Officer or UnitMilitary ID (with DoD number)National Guard Bureau (NGB) FormOnce we can confirm your status, we'll apply the benefits from your notification date.Why your request might not be approvedSCRA benefits may not apply if:Your Tilt account was opened after your active duty start date (exceptions apply for residents of Ohio, Louisiana, and Pennsylvania)We're unable to confirm active duty status through the Department of Defense database or the documentation you provided If your request isn't approved and you believe that's an error, contact us with any additional documentation. We'll review it with you.Frequently asked questionsCan I pause my repayments during deployment? For SCRA-covered borrowers, Tilt reduces your interest rate to 0% and waives certain fees so you won't be charged any new interest while you're on active duty. Your principal balance is still owed, but you won't fall behind due to interest building up. If you're concerned about making payments during deployment, contact us and we'll work through your options with you. How to manage autopay during deployment? Once SCRA benefits are applied, your 0% APR means your payment amounts will reflect no interest charges. If you need to update your autopay settings, linked external bank account, or payment schedule before or during deployment, contact us and we'll help you get it sorted before you leave. Can I close my account during deployment? You can contact us at any time to discuss your account options. We'd recommend reaching out before deployment so we can walk through what makes sense for your situation as closing a credit account can affect your credit profile, and we want to make sure you have the full picture before deciding. Contact us and we'll help you get it sorted Does requesting SCRA benefits affect my credit score? No. Requesting or receiving SCRA benefits does not impact your credit score. How do I receive my refund? If you're owed a refund, we'll process it as a direct deposit to your linked external bank account (ACH). What if my refund doesn't arrive? If the ACH transfer to your linked external bank account fails, we’ll reach out to see if we can issue a physical check to your verified address on file or apply a credit directly to your account balance. You can also contact us to update your linked external bank account information. When do SCRA benefits end? Benefits apply for the duration of your active duty service. What about my other Tilt features during deployment? For questions about managing autopay, subscription, or other account features while deployed, contact us directly and we'll work through your situation with you. Thank you for your service. (751 words)
- [Can I have both Thrive and a Cash Advance at the same time? | Tilt](/content/support/kb/guide/en/can-i-have-both-thrive-and-a-cash-advance-at-the-same-time-f83icbih86/steps/4921914/index.html): No, you can either use Thrive or Cash advance. The two products can not be used at the same time together. (21 words)
- [MLA protections and how they apply to Tilt products | Tilt](/content/support/kb/guide/en/mla-protections-and-how-they-apply-to-tilt-products-i2nhhydhs9/steps/4975975/index.html): The MLA covers:Active duty members of the Army, Navy, Marine Corps, Air Force, and Coast GuardNational Guard and Reserve members on active duty for more than 30 consecutive daysSpouses and certain dependents of covered servicemembersHow we check MLA statusEvery time someone applies for a Tilt credit product, we verify MLA coverage status through a third-party check. This happens automatically at the time of application — you don't need to do anything to trigger it.What the MLA means for Tilt credit applicationsFederal law limits the terms under which lenders can extend credit to MLA-covered borrowers. Because of this, if you're identified as a covered borrower at the time of your application, we can't approve a new Tilt credit account. Note: MLA applies at the time of application only. If you already have a Tilt account and later become active duty, different protections may apply. See What happens to my account if I'm deployed? for details on SCRA benefits.If you think your MLA status was flagged in errorMLA coverage is determined by our third-party provider based on Department of Defense records. If you believe your status was flagged incorrectly, here's how to follow up: Contact the Department of Defense (DoD) MLA database directly at militarylending.com to check or correct your status. Once your status is updated in the DoD records, you're welcome to reapply. If you have questions about your application, contact us. (240 words)
- [What is Tilt? | Tilt](/content/support/kb/guide/en/what-is-tilt-rs9cvpl0qm/steps/4975944/index.html): Tilt is a financial technology company on a mission to expand access to fair credit. We're not a bank, but we partner with regulated financial institutions to bring you cash, credit, and money tools built to grow with you. Whether you're building credit for the first time, managing a tight paycheck, or looking for a flexible line of credit, Tilt meets you where you are.What we offerCash Advance — Get $10–$400 with no interest or late fees. No credit check required.Cash Advance Plus — A revolving line of credit up to $250, available to new sign ups in California.Line of Credit — A flexible credit line from $200–$400 that can grow up to $1,000 (available to pre-qualified members). Line of Credit issued by FinWise Bank.Credit Cards — Build credit with no security deposit. Earn cash back rewards. Tilt Credit Cards issued by WebBank.Tilt Debit Card — A debit account with early paycheck access and up to 10% cashback on select purchases. Held with nbkc bank.AutoSave — Automated savings that move money aside as your budget allows. Held with nbkc bank.Budgeting tools — Set spending budgets and get real-time alerts on bills and purchases.Credit Score Monitoring — Track your score and get tips for building it over time. Tilt is available to U.S. residents only. Some products have additional state or eligibility requirements. (229 words)
- [Is Empower the same as Tilt? | Tilt](/content/support/kb/guide/en/is-empower-the-same-as-tilt-ukfia39bvr/steps/4975939/index.html): If you used Empower before, you're in the right place. We rebranded to Tilt in August 2025 — same company, same team, new name and look. Is my account still here? Yes. If you had an Empower account, your products, terms, and history are all intact. Just log in with the same credentials you used before. What's new since I've been gone? We've expanded our product lineup and updated the app experience. To see everything that's available to you, update to the latest version of the Tilt app and explore from there. Still have questions? Contact us and we're happy to help you get reoriented. (105 words)
- [Is Tilt a bank? | Tilt](/content/support/kb/guide/en/is-tilt-a-bank-aj1b6jhm1z/steps/4975945/index.html): Tilt is a financial technology company, not a bank. We partner with regulated financial institutions to deliver our products and keep your money protected. Tilt Card/AutoSave If you sign up for Tilt Card or Automatic Savings, you are required to open a deposit account in your name through nbkc bank, Member FDIC. If you sign up for Tilt Card or Automatic Savings, you are required to open a deposit account in your name through nbkc bank, Member FDIC. Any balances you hold with nbkc bank, including but not limited to those balances held in Tilt accounts are added together and are insured up to $250,000 per depositor through nbkc bank. Line of Credit The Tilt Line of Credit is provided by FinWise Bank. Credit Cards Tilt Credit Cards are issued by WebBank. Customer support for Tilt products is provided exclusively by Tilt. Our bank partners, including nbkc bank, FinWise Bank, and WebBank, are not equipped to assist with account servicing, transaction inquiries, disputes, card management, or other customer support requests. (106 words)
- [How credit reporting works for your Line of Credit | Tilt](/content/support/kb/guide/en/how-credit-reporting-works-for-your-line-of-credit-2ki7czjssy/steps/4975811/index.html): Your Line of Credit is reported monthly to the 3 major credit bureaus — Experian, TransUnion, and Equifax. Consistent, on-time payments are one of the most effective ways to build your credit over time.What we report each month:Payment history (on-time and missed payments)Current balance and available credit limitAccount status (active, overdue, or closed) When your credit report updates:We submit a credit data file to the bureaus each month. Updates typically appear on your credit report within 30 days of the reporting date. On-time payments:Every on-time payment is reported as a positive mark on your credit file. Payment history is one of the largest factors in your credit score, so making at least your minimum payment by the 21st each month directly supports your credit health. Missed or late payments:A payment not made by your due date may be reported as late. An account that reaches 180 or more days past due may be reported as a charge-off, which can significantly impact your score. Disputing a credit reporting error:If you believe something on your credit report related to your Tilt account is incorrect, contact us through the Tilt app or by calling support. We'll investigate and correct any errors with the bureaus. You can monitor your credit score directly in the Tilt app under your profile. (209 words)
- [How to make a Line of Credit payment | Tilt](/content/support/kb/guide/en/how-to-make-a-line-of-credit-payment-0y1yum87eh/steps/4975809/index.html): You can pay down your  Line of Credit manually through the app or set up auto-pay to handle it automatically. As you pay down your balance, your available credit is restored for future draws.
Making a manual payment:
Open the Tilt app and tap Thrive.Tap Make a payment. Enter the payment amount and confirm. Setting up auto-pay: Open the Tilt app and tap Thrive. Tap Payment settings. Toggle on Auto-pay and confirm. When auto-pay is on, payments are initiated automatically on your scheduled due date. You can turn it off at any time before the payment process.Canceling a scheduled payment:You can cancel a scheduled payment in the app before it begins processing. Once a payment moves to Pending status, cancellation is no longer available.
A few things to know about payments:Payments are due on the 21st of each month.
The minimum payment is the greater of $15 or 25% of your balance (including principal, fees, and interest).
Each draw you take has its own payment schedule. If you have multiple draws, you may have multiple scheduled payments.
 (156 words)
- [Tilt Card | Tilt](/content/support/kb/en/tilt-card-504247/index.html): How to activate your Tilt Debit Card, How to request a new debit card, How to freeze your debit card, How to reset your debit card PIN, How to dispute a Tilt debit card charge?, When will my debit card arrive?, How do Tilt Perks work?, What are pending transactions?, How to find free ATMs, How do I open a Tilt Card account? (172 words)
- [What are the eligibility requirements to sign up with Tilt? | Tilt](/content/support/kb/guide/en/what-are-the-eligibility-requirements-to-sign-up-with-tilt-6njqmdsxz7/steps/4921984/index.html): To sign up with Tilt, you need to:Be 18 years old or olderHave a bank account with a U.S. financial institutionHave a mobile phone number that operates in the U.S. and can receive SMS textsFor a the Thrive Line of Credit, Tilt Credit Cards, Tilt Card or AutoSave account* you also need:A valid SSNA valid U.S. physical residential address*Tilt is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. Tilt Line of Credit provided by FinWise Bank. Tilt Credit Cards issued by WebBank. (96 words)
- [How do I link a bank account to the Tilt app? | Tilt](/content/support/kb/guide/en/how-do-i-link-a-bank-account-to-the-tilt-app-8aeurbcdai/steps/4921976/index.html): In the Tilt app
Go to Analysis and scroll to the Accounts sectionTap the + iconSearch for your bank using the magnifying glass 🔍 if needed
We use Plaid to connect bank accounts. If your bank isn't available, the list updates regularly so try again later. Linking tips:Make sure your login credentials are correctCheck that your bank allows connections to external institutions (you may need to contact your bank about security settings)For joint accounts, make sure you log in with your personal credentials  (88 words)
- [How to close your Line of Credit | Tilt](/content/support/kb/guide/en/how-to-close-your-line-of-credit-e2sfyqnfym/steps/4975808/index.html): You can close your  Line of Credit directly in the app. To close, your balance must be $0 with no pending draws or payments. If you have an outstanding balance, pay it down to $0 first — then you'll be able to close.
To close your account in the app:Open the Tilt app and tap Thrive.Tap the menu icon and select Close account. Review the confirmation and confirm your closure.  What happens after you close:Your Line of Credit account is closed and no new draws can be taken.You keep access to the Tilt app in Restricted Access Mode, where you can view your account history, statements, and tax documents. You can reapply for the Line of Credit in the future if you're eligible.  If you still have an outstanding balance:Your loan stays open until your balance reaches $0. You can continue making payments through the Thrive section of the app even after initiating closure.  Still need help closing your account?
Contact us and we'll take care of it for you (175 words)
- [How do I link my Tilt account to my external bank account? | Tilt](/content/support/kb/guide/en/how-do-i-link-my-tilt-account-to-my-external-bank-account-kxockebl75/steps/4921980/index.html): There are 2 ways to link:
Use your Tilt account and routing number.*Look for Tilt.com in the list of supported banks and login using your Tilt account phone number and passcode. 
*Use the routing number from your Tilt app, not from NBKC's website. Using the wrong routing number will prevent your transfer from going through. (56 words)
- [How does AutoSave work? | Tilt](/content/support/kb/guide/en/how-does-autosave-work-l6ioueieor/steps/4921918/index.html): Tilt AI analyzes your income and expenses to automatically save money for you every week or pay period. Set a savings goal, and Tilt AI finds the right time to transfer money based on when your budget allows. Weekly option: Up to 4 transfers per week to your Tilt account*, at most once daily M–Th. We won't transfer if funds are insufficient. Paycheck option: A single transfer on your predicted pay date. You can change your plan anytime, but we can't modify pending transactions. Monitor progress in your Tilt app. Your Tilt account is FDIC insured*, and you can transfer money anytime. _________ * Tilt is a financial technology company, not a bank. Banking services are provided by nbkc bank. Any balances you hold with nbkc bank, including but not limited to those balances held in Tilt accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Tilt accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). See here for a complete list of other depository institutions where funds may be placed. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. For more information about pass-through deposit insurance applicable to your account, please see the Account Documentation. See here for additional information on FDIC insurance.  (260 words)
- [Why don't I see the option to apply for the Tilt Line of Credit? | Tilt](/content/support/kb/guide/en/why-dont-i-see-the-option-to-apply-for-the-tilt-line-of-credit-61p4hekywi/steps/4921913/index.html): A few things can affect whether the Line of Credit option appears in your app. You have an active Cash Advance We can only offer 1 product at a time — Cash Advance, Tilt Credit Card, or Line of Credit. If you have an outstanding Cash Advance, repay it first. Once your repayment processes (up to 3 business days), the Line of Credit option will become available. Line of Credit isn't available in your state We haven't launched in every state yet. Check which states are eligible.Still not seeing it? Contact us and we'll take a closer look at your account. (87 words)
- [Why hasn't my referral reward shown up yet? | Tilt](/content/support/kb/guide/en/why-hasnt-my-referral-reward-shown-up-yet-6xvu9qwapc/steps/4975976/index.html): If you're expecting a referral bonus and haven't seen it land, here's how to figure out what's going on.Check your transaction history: Open the Tilt app and look for a transaction labeled Tilt Referral. If it's there, your bonus was already deposited.Check whether it's still processing: If your referral status shows Earned but no deposit has arrived yet, it may still be on its way. Bonuses are deposited within 2 business days of your referral reaching Earned status.Check whether your referral was captured: Your friend must have downloaded the Tilt app and signed up using your unique referral link. If they signed up another way, the referral won't be linked to you.Check your subscription status: Both your account and your friend's account need to be active when the bonus is paid out. If either account has an overdue subscription or was canceled, the bonus won't be issued.Still not resolved?If it's been more than 2 business days since your referral showed Earned and you haven't received the deposit, contact us and we'll look into it. (180 words)
- [Referral terms and eligibility | Tilt](/content/support/kb/guide/en/referral-terms-and-eligibility-4iop5m5hf1/steps/4975977/index.html): Here's what you and your friend need to know to qualify for a referral bonus.
To qualify as the referrer (you):You must have an active Tilt subscription in good standing.Your friend must use your unique referral link to sign up, referrals can't be tracked without it. To qualify as the referred friend:They must be new to Tilt and have never had a Tilt account before.They must download the Tilt app using your unique referral link. They must create a Tilt account. They must accept a Cash Advance within 30 days of signing up. What disqualifies a referral:Either account is canceled or deactivated before the bonus is deposited.The referred friend already has a Tilt account. Your friend signed up without using your unique referral link. Either account has an overdue subscription at the time of payout.  The bonus offer shown in your app at the time your friend completes the referral is the offer that applies. The bonus may apply to you, your friend, or both. Tilt reserves the right to modify or end the referral program at any time. (185 words)
- [How to request a credit limit increase | Tilt](/content/support/kb/guide/en/how-to-request-a-credit-limit-increase-7qpabh38ky/steps/4975812/index.html): Your credit limit is reviewed automatically based on your account activity so no action needed on your part. 
We evaluate various data points, and if your account meets all the criteria, your limit will be increased. (36 words)
- [When and how do referral bonuses get paid out? | Tilt](/content/support/kb/guide/en/when-and-how-do-referral-bonuses-get-paid-out-bsmk5lmeui/steps/4975978/index.html): Once your friend completes all the steps to qualify, your referral bonus is deposited within 2 business days.What to know about your payout:Your bonus is deposited directly into your linked external bank account.Look for a transaction labeled Tilt Referral in your transaction history.The 2-business-day clock starts once your referral status changes to Earned, not when your friend signs up.Both your account and your friend's account must stay active until the bonus is deposited. If either account is canceled or deactivated before the deposit, the bonus won't be paid. Business days are Monday–Friday, excluding federal holidays. (100 words)
- [Why didn’t my AutoSave run? | Tilt](/content/support/kb/guide/en/why-didnt-my-autosave-run-0wwhnskvhl/steps/4921919/index.html): Tilt AutoSave runs M–Th to help you save up to your weekly goal. Sometimes AutoSave won’t save money during the week to protect you from low balances or overdrafts. Reasons AutoSave might not run:We didn't detect an account balance over $35 M–ThYou had a Cash Advance waiting for repaymentWe lost connection to your bank accountWe haven't seen a meaningful balance increase (like a paycheck deposit) in the last 7 days (74 words)
- [How to pause AutoSave | Tilt](/content/support/kb/guide/en/how-to-pause-autosave-huhqz0xpyk/steps/4975962/index.html): Pausing AutoSave stops automatic transfers from your linked bank account. You can turn it back on at any time from the same screen by following these steps:On the Home tab, scroll to the AutoSave section. Tap the ⋯ (three-dot) menu next to your AutoSave. Tap Edit. Tap Pause in the upper right corner. Tap Pause again in the confirmation popup to confirm. Your AutoSave is now paused. No additional transfers will be made from your linked account. Pausing AutoSave does not close your AutoSave account or affect your existing savings balance. To resume, tap Unpause from the same menu. (78 words)
- [How to withdraw from my AutoSave | Tilt](/content/support/kb/guide/en/how-to-withdraw-from-my-autosave-n91faws47c/steps/4975963/index.html): You can transfer your AutoSave balance to your linked bank account at any time — no waiting periods or penalties.On the Home tab, tap on your AutoSave account.Tap the Transfer icon in the upper right corner. Tap Withdraw from savings. Enter the amount you want to transfer. Confirm your linked bank account as the destination. Tap Start transfer to complete.Transfers typically arrive in your bank account within 1–2 business days. Your AutoSave account stays open after a withdrawal, but your balance will just reflect the updated amount. If you want to stop future automatic transfers, you can pause AutoSave separately. (73 words)
- [What is the Tilt Line of Credit, and how is it different from Cash Advance? | Tilt](/content/support/kb/guide/en/what-is-the-tilt-line-of-credit-and-how-is-it-different-from-cash-advance-qlkdmmtuil/steps/4921911/index.html): The Tilt Line of Credit is a flexible revolving credit line provided by our bank partner, FinWise Bank. It works differently from Cash Advance in a few key ways.Line of CreditCash AdvanceProduct typeCredit productNon-credit advanceCredit reportingYes — reported to credit bureaus monthlyNoInterestUp to 35.99% APRNoneLate feesMay applyNot applicableWhat credit reporting means for you Because Line of Credit is a credit product, your payment history shows up as a tradeline on your credit report. On-time payments can help build your credit history. Missed or late payments may have a negative impact on your credit score.Line of Credit is subject to credit approval. Not everyone will qualify. See Tilt's Terms for full details on fees and eligibility. (114 words)
- [What are the referral rewards and how much do I earn? | Tilt](/content/support/kb/guide/en/what-are-the-referral-rewards-and-how-much-do-i-earn-otneeqtjwk/steps/4975979/index.html): When you refer a friend to Tilt, you may earn a cash bonus and so might your friend. Open the Tilt app to see your current offer.
How rewards work:The bonus amount depends on the active offer at the time your friend completes the referral. Check your app for the current amount. Depending on the offer, the bonus may apply to you, your friend, or both. Each friend can only qualify once. The offer shown in your app when your friend completes the referral is the offer that applies.Reward amounts can change over time. The amount in your app is always the most current offer. (90 words)
- [INT → BIGINT, a SQL Story](/content/engineering/int-bigint-a-sql-story/index.html): Running out of range on a primary key in SQL Server is a ticking time bomb, especially for high-traffic production tables. This article dives deep into the process of migrating a primary key column from INT to BIGINT, tackling challenges like constraints, clustered indexes, and data synchronization. Learn the tested strategies, performance tweaks, and lessons from a real-world scenario involving 650 million rows—ensuring scalability and reliability for your database. Perfect for engineers navigating similar database dilemmas. (1,324 words)
- [Profile Updates | Tilt](/content/support/kb/en/profile-updates-504255/index.html): How do I update my address on file?, How do I update my name on file?, How do I update my email on file?, How to update my phone number (65 words)
- [How do I see my monthly report? | Tilt](/content/support/kb/guide/en/how-do-i-see-my-monthly-report-rf7eixwxay/steps/4921958/index.html): We recap your income and expenses at the end of each month with real insights on how to spend more wisely. To get your monthly report: Go to Analysis > Monthly report to see a summary of your income, expenses, and savings across all linked accounts. (46 words)
- [How do I set a personalized monthly spending limit? | Tilt](/content/support/kb/guide/en/how-do-i-set-a-personalized-monthly-spending-limit-appsdxhhhc/steps/4921952/index.html): Set a monthly spending limit to stay on top of your money:
From the Analysis tab, go to the Spending sectionTap View Spending and then Edit budget
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- [How does the Tilt subscription work? | Tilt](/content/support/kb/guide/en/how-does-the-tilt-subscription-work-twsbo041ey/steps/4984166/index.html): Your $8/month Tilt subscription gives you access to the full suite of Tilt products* and money tools — all in one app. What's includedCash Advance — Get $10–$400 with no interest or late fees. No credit check required.Cash Advance Plus — A revolving line of credit up to $250, available to new sign ups in California.Line of Credit — A flexible credit line from $200–$400 that can grow up to $1,000 (available to pre-qualified members). Line of Credit issued by FinWise Bank.Credit Cards — Build credit with no security deposit. Earn cash back rewards. Tilt Credit Cards issued by WebBank.Tilt Debit Card — A debit account with early paycheck access and up to 10% cashback on select purchases. Held with nbkc bank.AutoSave — Automated savings that move money aside as your budget allows. Held with nbkc bank.Budgeting tools — Set spending budgets and get real-time alerts on bills and purchases.Credit Score Monitoring — Track your score and get tips for building it over time. Some products are subject to eligibility requirements and may not be available in all states. 14-day trialFirst-time members get a 14-day trial. If you don't cancel before it ends, we start charging $8/month automatically. If you've subscribed before, there's no trial — we charge $8 immediately when you resubscribe.Subscription payment dateGo to More > Billing in the Tilt app to see your next payment date and billing details. Need to pay now?Go to More > Billing and tap Pay Now.How to cancelCancel anytime in More > Billing. Deleting the app does not cancel your subscription.Fee waiverYou can access Cash Advance (and a Tilt Checking Account) without a subscription. To request a fee waiver, contact us. Members who signed up before July 29, 2020, and haven’t since cancelled, pay $6/month. (307 words)
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- [C# String Performance Considerations](/content/engineering/c-string-performance-considerations-257a36cfcd9c809a9f9effac58a9beae.html): In the era of blazing fast compute and memory it’s easy for the performance characteristics of System objects to feel like a thing of the past. However scale in the end, can defeat all our expectations. With Strings we need to be considerate because they are immutable! This means operations like ToUpper() create a new string in memory. With large datasets this can lead  performance issues. (641 words)
- [How Functional Programming Made Me A Better C# Developer | Notion](/content/engineering/how-functional-programming-made-me-a-better-c-developer-2e81df8b90a04780b2736ed2015d2c2e.html): The boundaries between Object-Oriented Programming (OOP) and Functional Programming (FP) are increasingly blurring, creating exciting opportunities for developers. Languages traditionally rooted in functional paradigms are incorporating OOP patterns, while OOP languages like C# are embracing functional features. As a result, developers can leverage the strengths of both paradigms to write more efficient and maintainable code. This post delves into four functional concepts that have transformed the author's C# coding practices, highlighting how immutability, state management, and LINQ can simplify complex logic and reduce bugs in your codebase. (1,665 words)
- [Let’s Talk 1:1](/content/engineering/let-s-talk-1-1-30faf7273b8a408397abfd6915a4844c/index.html): A collaborative AI workspace, built on your company context. Build and orchestrate agents right alongside your team's projects, meetings, and connected apps. (1,817 words)
- [Server-driven UI from scratch](/content/engineering/server-driven-ui-from-scratch-3ac701fb73f74e6b8e69ab98469479b7.html): One of the downsides of mobile app development, compared to backend or web, is the lack of control we have over our apps in the wild. While a web developer can redeploy their site and have the updated version instantly available to every user, mobile developers are reliant on Play/App Store review processes, as well as users choosing to update their apps to the latest version. This greatly slows down rapid product iteration. Server-driven UI allows us to have a greater degree of control of our app’s functionality from afar. (1,852 words)
- [Measure Twice, Cut, and Have Fun](/content/engineering/measure-twice-cut-and-have-fun-11ba36cfcd9c80209437eef3b3bdab91.html): James Garrett shares his journey from a struggling Computer Science student to a passionate software developer. Learn how Empower drives innovation through meaningful metrics, smart optimizations, and a vibrant culture where work is more than just code. From cave diving algorithms to team hackathons and fostering a supportive work environment, this post is a testament to the power of curiosity, collaboration, and making development enjoyable! (1,528 words)
- [How to Interview Your Interviewer: Finding the Right Culture Fit for You](/content/engineering/how-to-interview-your-interviewer/index.html): Finding the right engineering job goes beyond matching your technical skillset—it’s about creating a balance between your professional ambitions and personal lifestyle. As James shares from his own experience at Empower, achieving long-term career satisfaction means pinpointing your non-negotiables, asking insightful questions during interviews, and ensuring the culture, team dynamics, and leadership style truly align with your unique values and goals.  (952 words)
- [6 Design Principles for Azure Pipelines](/content/engineering/6-design-principles-for-azure-pipelines-10da36cfcd9c80eeae11c1ff5bcbd7e1.html): As companies scale, system pressures increase, resulting in challenges like code conflicts and maintenance complexities. At Empower, our monorepo architecture led to significant maintenance overhead due to the tight coupling of build and deployment processes across services. To address this, we restructured our deployment system by decoupling build from deployment, enabling independent service deployments. This post outlines the key principles we developed to maintain clarity and efficiency in our Azure pipelines. (1,124 words)
- [From Weekly Manual Slog to Rapid-Fire Releases: How Empower (Tilt) Revolutionized iOS Deployment](/content/engineering/from-weekly-manual-slog-to-rapid-fire-releases/index.html): At Empower(Tilt), a data-driven fintech startup, our lifeblood is understanding our users and how they interact with our products. To do that effectively, we need to get new features and product updates into their hands fast. If you've ever worked in a startup, you know the pace is exhilarating, and the need for speed is paramount. For our iOS team, that meant taking a hard look at our release process. We went from a painstaking weekly manual ordeal to a highly automated, almost "set it and forget it" system that allows us to iterate at lightning speed. (1,135 words)
- [Teaching AI to Read the Room: How We Built an Automated Incident Classifier](/content/engineering/teaching-ai-to-read-the-room-how-we-built-an-automated-incident-classifier-353a36cfcd9c8159b154e2f983ba4bb3.html): After 18 months and ~800 incidents, our Rootly classification fields were mostly empty, no one fills in six drop-downs at 2am. This post walks through how Tilt built an automated incident classifier: a scheduled .NET pipeline that scrapes the Slack channel, sends the conversation to Claude, and writes back the cause, vendor, component, and team, while quietly backing off any field a human corrected. (1,585 words)
- [How We Built a Context-Aware Review Bot That Transformed Our Code Reviews](/content/engineering/how-we-built-a-context-aware-review-bot-that-transformed-our-code-reviews-298a36cfcd9c80479439c49ae09493dd.html): At Tilt (formerly Empower Finance), code reviews are critical to maintaining quality across our fintech platform. But like many engineering teams, we faced a familiar challenge: reviews were time-consuming, feedback was sometimes inconsistent, and engineers spent valuable time on repetitive review tasks that could easily be automated. That's why we built a context-aware review bot using Augment Code, the results have been transformative. (657 words)
- [Building Trust in an Online Environment](/content/engineering/building-trust-in-an-online-environment/index.html): Drawing parallels between online gaming and modern work environments, this blog explores the challenges of fostering trust and collaboration in virtual teams. Discover actionable insights to accelerate team cohesion, improve communication, and harness the unquantified power of shared experiences—even from miles apart. (1,059 words)
- [The N+1 Problem in Entity Framework Core: A Detective’s Guide to Spotting and Fixing It](/content/engineering/the-n-1-problem-in-entity-framework-core/index.html): In this post, Paul Gradie reveals how the notorious N+1 problem in EF Core—where seemingly simple data retrieval turns into a series of inefficient database trips—can be the hidden culprit behind performance woes. He breaks down how lazy loading and loops can lead to unnecessary queries, and shares actionable fixes to streamline your code. Dive in to uncover tips that will help you optimize your data access and keep your app running smoothly! (1,061 words)
- [Managing Disagreements as a Software Developer: Lessons from Think Again](/content/engineering/managing-disagreements-as-a-software-developer/index.html): Disagreements are a natural part of the software development process, whether you're debating architectural decisions, choosing the right tools, or prioritizing features. However, conflict doesn’t have to be a source of tension—handled with the right mindset, it can lead to better outcomes and stronger collaboration. Drawing insights from *Think Again* by Adam Grant, this blog explores how software developers can embrace a scientific mindset in navigating conflicts. By questioning assumptions, fostering humility, and focusing on solutions rather than personalities, disagreements can transform into opportunities for growth, innovation, and improved teamwork. (1,025 words)
- [Entropy Resistance](/content/engineering/entropy-resistance/index.html): Tech has no shortage of meetings, but the 1:1 might be the last one where the truth still shows up. This piece is about protecting that space from sliding into performance theatre, noticing the subtle signs when trust is eroding, and creating enough room for the real stuff: fatigue, pride, hard conversations, and the context that makes great work possible. The 1:1 is the smallest unit of culture you still control. Treat it carefully, protect it, and it will quietly pay back in trust, and the kind of momentum you can’t roadmap. (830 words)
- [Three Strategies that’ll accelerate your path to Staff Engineer](/content/engineering/three-strategies-that-ll-accelerate-your-path-to-staff-engineer-13fa36cfcd9c809da018ed1fa18aadb6.html): Transitioning from Senior Engineer to Staff Engineer is a defining moment in your career—one that demands more than just technical expertise. At this level, your ability to influence, strategize, and lead initiatives takes centre stage. But how do you stand out and pave your way to the next milestone? In this post, we’ll explore three game-changing strategies to elevate your impact, showcase your achievements, and take control of your career trajectory. Whether you're eyeing a Staff Engineer role or aiming even higher, these actionable insights will help you unlock your full potential and accelerate your growth. (799 words)
- [Beyond the Purchase Order: How We Actually Made AI Work for Engineering](/content/engineering/beyond-the-purchase-order-how-we-actually-made-ai-work-for-engineering-26aa36cfcd9c80069e3ee3a7760da154.html): Most companies think buying an AI tool is the hard part, but the real challenge is building the scaffolding that makes it useful. At Tilt, adoption only worked once engineers invested in documentation, rules, and workflows that embedded AI into daily practice. This post explores how that infrastructure was built, why it matters, and what other teams can learn from it. (686 words)
- [Removing Foreign Key Constraints against Hot Tables](/content/engineering/removing-foreign-key-constraints-against-hot-tables.html): A seemingly simple FK constraint drop turned into a high-stakes locking issue that threatened database stability. This post dives into the surprising chain reaction between two related tables and reveals a clever zero-downtime workaround using sp_rename. Perfect for engineers who love creative solutions to tricky schema changes—plus some spicy alternatives if you're feeling bold. (586 words)
- [How do I get a Cash Advance? | Tilt](/content/support/kb/guide/en/how-do-i-get-a-cash-advance-pzjtdqiaql/steps/4921945/index.html): Getting a Cash Advance of $10–$400 is simple — no credit check required. Steps:Download the Tilt app or visit tilt.com.Link your primary checking account where you receive your paychecks.We'll review your real-time financial habits — like income and spending — to determine an offer you can reliably repay.If you're eligible, choose to accept your Cash Advance with standard or instant delivery.A Cash Advance has no credit check, no late fees, and no interest. Your repayment date is automatically set to align with your pay date.Access to Cash Advance requires a Tilt subscription. If you'd like to request a subscription fee waiver, contact us. (84 words)
- [Are my Cash Advance repayments reported to the credit bureaus? | Tilt](/content/support/kb/guide/en/are-my-cash-advance-repayments-reported-to-the-credit-bureaus-r9rad9azle/steps/4921960/index.html): No. Cash Advances aren't loans — we don't report your payments to the credit bureaus, and there's no impact to your credit score. If you're looking for a credit-building product, Tilt Line of Credit or Tilt Credit Cards could be a fit. (42 words)
- [What happens if I don’t repay my Cash Advance? | Tilt](/content/support/kb/guide/en/what-happens-if-i-dont-repay-my-cash-advance-5y6wjd4g3b/steps/4921950/index.html): Nothing. We hope you'll pay us back, but Cash Advances aren't loans — we won't send you to collections, and we don't report your payments to the credit bureaus, so there's no impact to your credit score. (37 words)
- [Does Tilt charge any hidden fees? | Tilt](/content/support/kb/guide/en/does-tilt-charge-any-hidden-fees-bptnqujqun/steps/4921987/index.html): No. We're committed to transparency — here's a full breakdown of every fee.Tilt SubscriptionTilt 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.Deleting the app does not cancel your subscription. Cancel anytime in Billing > More tab in the Tilt app, or contact us.Customers who signed up before 7/29/2020, and haven’t canceled since, continue to pay $6 monthly for their subscription.Cash AdvanceNo 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:If you have a qualifying Tilt Card, you can receive Cash Advances to that account instantly with no fee.  Cash Advance AmountInstant 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 more3% of Advance AmountMaryland residents: Instant delivery fees are capped at $7.50.Cash Advance PlusCash Advance Plus is available to new customers in California. It's a revolving line of credit.Draw fee: 2%Interest: 0% APR — interest-freeLate fees: NoneInstant delivery: Optional. Same fee schedule as Cash Advance (see table above)Line of CreditInstant 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 CardsTilt Credit Cards each carry slightly different fees. Here’s how they compare:CardAPRAMFSecurity depositForeign transaction feeLate feeCash-like transaction feeEssentials29.99%$0$0$0$0$0Motion29.24%– 34.24%$0$0$0Up to $40Higher of $5 or 5%Engage29.24%– 34.24%$59$0$0Up to $40Higher of $5 or 5%Tilt Debit Card1% foreign exchange fee on international transactions. See the nbkc deposit account agreement for full details. You can also check out our fee schedule here. (317 words)
- [How credit limit increases work | Tilt](/content/support/kb/guide/en/how-credit-limit-increases-work-jh41epcbx0/steps/4976054/index.html): How credit limit increases work Your Tilt credit card comes with a starting credit limit assigned at approval. You may be reviewed for an increase over time based on your account activity. When can I be reviewed for a credit limit increase? Eligible cardmembers can be reviewed as early as 4 months after account opening. A review doesn't guarantee an increase — eligibility is based on factors like your payment history, credit utilization, and overall account standing. We report your account activity to all 3 major credit bureaus. Making on-time payments and keeping your balance low are the best ways to build your credit profile and improve your eligibility over time. How to check your current limit:Open the Tilt app and go to the Credit Card tab.Your current credit limit and available credit are displayed under the View account details dropdown under HighlightsCan I request a credit limit increase? Limit increase reviews happen automatically based on your account history. There's no manual request process — if you're eligible, we'll reach out. Keep making on-time payments to stay on track. (182 words)
- [Request a replacement or reissued credit card | Tilt](/content/support/kb/guide/en/request-a-replacement-or-reissued-credit-card-3spkffmpxu/steps/4976025/index.html): If your card hasn't arrived yet:Your Tilt credit card typically arrives within 5–10 business days of approval, in a bright yellow envelope. If it's been longer than 12 business days, you can request a replacement.If your card arrived damaged:A damaged card can be reissued with the same card number. You can keep using your current (damaged) card until the new one arrives and you activate it. How to request a replacement or reissue:Open the Tilt app and go to the Credit Card tab.Tap Physical card, then select Replace physical card.Choose the reason:My card is lost, stolen, or never arrived — a replacement is sent with a new card number; your current card is deactivated immediately.My card is damaged — a reissue is sent with the same card number; keep using your current card until the new one is activated.Confirm your mailing address and tap Replace card.Your new card will arrive within 5–10 business days in a bright yellow envelope.If you've updated your address in the last 30 days, you may need to verify your identity before a replacement can be sent. Follow the in-app prompts or contact us if you get stuck.If you believe your card was stolen or used fraudulently:Freeze your card immediately and contact us. (220 words)
- [How to dispute a Tilt credit card charge | Tilt](/content/support/kb/guide/en/how-to-dispute-a-tilt-credit-card-charge-f4npzguxkg/steps/4976018/index.html): If you see a charge on your Tilt credit card that you don't recognize or that looks incorrect, you can dispute it.First, identify your dispute type:I don't recognize this charge / I didn't make this transaction → this is a potential fraud or unauthorized chargeI made the purchase, but something went wrong (wrong amount, not delivered, already cancelled) → this is a merchant disputeTo start a dispute, contact us. Disputes can only be opened on settled transactions — not pending ones. If a charge is still pending, check back once it posts and then initiate the dispute. If your dispute involves an unauthorized charge: We'll freeze your card right away to protect your account. A replacement card will be issued as part of the dispute process. Provisional credit is typically applied within 5–10 business days of your dispute being filed. If your dispute is a merchant dispute: We'll investigate and may apply provisional credit while the case is open. You'll hear from us if we need anything. What to expect if your dispute is not found in your favor: The disputed amount will be reposted to your account as a new purchase. You can open a new dispute on the reposted charge if you disagree with the outcome. If your concern is about something reported to your credit bureau — not a transaction on your card — that's a separate process. Contact us to get that started. (241 words)
- [How to freeze your credit card | Tilt](/content/support/kb/guide/en/how-to-freeze-your-credit-card-aigheflbnz/steps/4976026/index.html): Freezing your card instantly stops all new purchases. It's a good first step if your card is lost, you notice suspicious activity, or you just want extra control.
To freeze:Open the Tilt app and go to the Credit Card tab. Tap Freeze card. Confirm to freeze. Your card is immediately locked.  To unfreeze: Go back to the Credit Card tab. Tap Unfreeze card. Confirm — your card is ready to use again right away. Freezing your card does not affect recurring charges already on file (such as subscriptions). You have $0 liability for unauthorized purchases made on your Tilt credit card. If your card was lost or stolen: Freezing is a good temporary measure, but we recommend requesting a replacement card so your card number can be changed.  (102 words)
- [How to make a credit card payment | Tilt](/content/support/kb/guide/en/how-to-make-a-credit-card-payment-zdndtc60cr/steps/4976016/index.html): You can make a payment on your Tilt credit card directly in the app at any time. To make a payment:Open the Tilt app and go to the Credit Card tab.Tap Make a payment.Choose your payment amount:Minimum payment due — the smallest amount required to stay currentStatement balance — pays off your full statement balanceCustom amount — enter any amount between the minimum and your full balanceSelect your payment method.Confirm the payment details and tap Submit. Payments are typically processed within 1–3 business days. ACH bank transfers are the most common payment method.Set up AutoPay to avoid missing a due date. You can enable it from the Credit Card tab under Highlights or ⋯ (three-dot) menu. (110 words)
- [Pricing & Fees | Tilt](/content/support/kb/en/pricing-fees-505379/index.html): What is Tilt's subscription fee?, Does Tilt charge any hidden fees? (453 words)
- [Account Maintenance  | Tilt](/content/support/kb/en/account-maintenance-504252/index.html): How to manage and maintain your Tilt account. (489 words)
- [How do I sign up for Tilt? | Tilt](/content/support/kb/guide/en/how-do-i-sign-up-for-tilt-ihgbfxidqm/steps/4975946/index.html): Tilt is available to U.S. residents only. Not all products are available in every state. Signing up for Tilt takes a few minutes. Here's what to expect.StepsDownload the Tilt app on iOS or Android.Tap Get started and enter your email address.Verify your identity — we'll ask for your ID and personal details.Link your bank account. Choose the products you'd like to access.What you might needA valid U.S. government-issued ID (driver's license, state ID, or passport)Your Social Security numberA U.S. bank account to linkTrial and subscriptionFirst-time customers get a 14-day trial. After the trial, Tilt charges $8/month, which auto-renews until you cancel. (112 words)
- [What happens if I miss a payment? | Tilt](/content/support/kb/guide/en/what-happens-if-i-miss-a-payment-mh8mtsm2bp/steps/4975810/index.html): If a payment on your Line of Credit doesn't go through, here's exactly what happens and how to get back on track.When a payment fails:We'll automatically retry the payment. You don't need to take any immediate action, but making sure your linked bank account has sufficient funds will help the retry succeed.If retries don't succeed:Your draw moves to Overdue status.You can still log into your app and make a manual payment at any time.We report account status to the credit bureaus monthly, so overdue status may be reflected on your credit report. If your account remains past due:An account that stays past due beyond 180 days may be charged off. A charge-off means the loan is written off as a loss and reported to the credit bureaus, which can impact your credit score. If you're experiencing financial hardship:Reach out — we might have options. Contact us and let us know what's going on. We can discuss payment rescheduling and other options based on your situation. (173 words)
- [How do I track my spending? | Tilt](/content/support/kb/guide/en/how-do-i-track-my-spending-9kad8zq8qj/steps/4921959/index.html): Set budgets for all your spending categories and get real-time alerts on paychecks, bills, and purchases.  To track your spending:
Go to Analysis > Trackers > Get started
Enter the category or company you want to track (e.g., Gas, Entertainment, Dining)Set your spending limit and frequencyTo edit trackers:
Go to Analysis > View trackers
Select the tracker you want to editTap Edit to make changes (68 words)
- [How does MinPay work? | Tilt](/content/support/kb/guide/en/how-does-minpay-work-ybgjt5cxcz/steps/4921908/index.html): MinPay is an automatic payment feature for your Thrive account. It schedules payments on your detected pay dates so your minimum payment is covered before the due date — helping you stay current and build positive payment history.How MinPay worksMinimum payments are due on the 21st of each month, starting the month after your draw. MinPay automatically schedules a payment on the pay date closest to — and before — that due date. MinPay only debits your account if no other payment covering your minimum has already been scheduled or made before the MinPay date. If you make a partial payment before the MinPay date, we'll only debit the remaining amount owed. You can view all upcoming and scheduled payments in your app at any time.Your minimum payment amount is calculated at the end of the billing cycle. It appears on your periodic statement, available the first week of the following month.Turning off MinPay If MinPay doesn't work for you, you can turn it off in the app:On the Home page, tap on the Thrive sectionTap "More" and then "MinPay"Select "Turn off MinPay"If you turn off MinPay, review your scheduled payments to make sure your minimum is still covered by the due date. (163 words)
- [Disputing information on your credit report | Tilt](/content/support/kb/guide/en/disputing-information-on-your-credit-report-rrgcsopdzl/steps/4921917/index.html): If you think we reported incorrect information about your Line of Credit to the credit bureaus, we'll review it right away. Contact us Include the following in your request:Your full name and date of birthYour account number (found on your billing statements in the Tilt app)The name of the credit reporting agency with the incorrect informationThe specific item(s) you believe are inaccurate — include the date, description, and any details that help us locate themWhat you believe is incorrect or incomplete, and whyIf you already filed a dispute directly with any credit bureau?A copy of your credit report with the disputed item(s) highlighted (optional, but helpful)We'll review your dispute and respond as required under applicable law. (111 words)
- [The Basics | Tilt](/content/support/kb/en/the-basics-505378/index.html): What documentation do I need during sign-up?, How do I link a bank account to the Tilt app?, What features are available on the Tilt app?, How do I link my Tilt account to my external bank account?, Where does Tilt operate?, What are the eligibility requirements to sign up with Tilt?, How does Tilt secure my information?, How do I access Tilt?, Is Empower the same as Tilt?, What is Tilt?, Is Tilt a bank?, How do I sign up for Tilt? (523 words)
- [Line of Credit | Tilt](/content/support/kb/en/line-of-credit-504242/index.html): Everything you need to know about your Tilt line of credit. (523 words)
- [How to activate your Tilt credit card | Tilt](/content/support/kb/guide/en/how-to-activate-your-tilt-credit-card-djoc6fdxeg/steps/4976015/index.html): Your Tilt credit card arrives inactive, meaning you can’t make purchases until you activate it in the app. Keep an eye out for your card in the mail; it arrives in a bright yellow envelope, usually within 5–10 business days of approval. To activate your card:Open the Tilt app and go to the Credit Card tab. Tap Activate card and follow the on-screen steps. Once activation is complete, your card is ready to use.  Your card won't work until it's activated — this is a security feature that protects you from unauthorized use before the card reaches you. If you'd like to start using your card right away, add it to Apple Pay or Google Pay from the Credit Card tab while you wait for the physical card. (129 words)
- [Will applying for a Tilt credit card affect my credit score? | Tilt](/content/support/kb/guide/en/will-applying-for-a-tilt-credit-card-affect-my-credit-score-pkogmzvyss/steps/4921916/index.html): When you submit for pre-qualification, there’s no hard pull on your credit and no credit impact. If you pre-qualify, you can submit a full application, which does involve a hard pull and could impact your credit. If you’re not approved right now, you can reapply 30 days after the last decision. In the meantime, a Cash Advance or a Line of Credit may be a better fit.  (67 words)
- [support/hc/en-us/articles/19492872887447-which-states-are-eligible-for-line-of-credit.html](/content/support/hc/en-us/articles/19492872887447-which-states-are-eligible-for-line-of-credit.html) (578 words)
- [Contact Us | Tilt](/content/support/kb/en/contact-us-505380/index.html): How do I contact Tilt Support? (467 words)
- [AutoSave | Tilt](/content/support/kb/en/autosave-504245/index.html): Find out how to enable autosave, adjust your settings, and track your progress. (456 words)
- [Referrals | Tilt](/content/support/kb/en/referrals-504238/index.html): Learn how to refer friends to Tilt and find out what rewards you can earn. (403 words)
- [Military | Tilt](/content/support/kb/en/military-504236/index.html): Learn about the interest rate reductions and protections available to active-duty service members under SCRA. (456 words)
- [Budgeting | Tilt](/content/support/kb/en/budgeting-504250/index.html): How budgeting works in Tilt and how to get the most out of it. (460 words)
- [Banking | Tilt](/content/support/kb/en/banking-504244/index.html): Everything you need to know about banking with Tilt. (245 words)
- [Electronic Communications Consent](/content/esign/index.html) (828 words)
- [The Weak EM Will Become An NPC](/content/engineering/the-weak-em-will-become-an-npc-37aa36cfcd9c81ad8e42ec1f18ad9524.html): AI is quietly turning some engineering managers into NPCs: useful, always available, and out of the plot the moment a real decision is needed. AI doesn't make EMs less necessary, it makes weak technical judgment more expensive. The surviving EM is an engineer who manages the socio-technical system, contributes for leverage, and owns the technical strategy no IC or agent can. (1,948 words)
- [Tilt Credit Card — Build Credit Simply | Tilt](/content/apply/credit-card/index.html): Pre-qualify in minutes. (245 words)
- [Line of Credit Up to $1,000 | Tilt](/content/apply/line-of-credit/index-2.html): Get a flexible line of credit up to $1,000. Access funds when you need them with transparent terms. (129 words)
- [How do I contact Tilt Support? | Tilt](/content/support/kb/guide/en/how-do-i-contact-tilt-support-nj2g0lt7fb/steps/4921983/index.html): We’re here to help. Choose the contact option that works best for you.In-app chat (Recommended) Available 24/7 inside the Tilt app. This is the fastest way to get real-time help from our team. Phone supportCall us at (888) 943-8967Monday – Friday, 8:00 AM – 8:00 PM EST(5:00 AM – 5:00 PM Pacific Time)Limited staffing on holidays.Phone support is best for issues that require live conversation or quick clarification. Email (for non-urgent questions) For non-urgent questions, email us at help@tilt.com. For time sensitive issues, we recommend chat or phone. Response times by email may be longer. Physical Mail Tilt Finance, Inc. 9169 W State St., PMB 499 Garden City, ID 83714 (119 words)
- [Where does Tilt operate? | Tilt](/content/support/kb/guide/en/where-does-tilt-operate-1zslwkvzjn/steps/4921982/index.html): Tilt's app and products are for U.S. residents only. Cash AdvanceAvailable in all U.S. states except Connecticut, Maine, and the District of Columbia (DC).Cash Advance PlusAvailable to new users in California.Credit CardsAvailable in all U.S. states except New Hampshire.Thrive Line of CreditAvailable in all U.S. states except Colorado, Connecticut, Illinois, Iowa, Maine, Maryland, Massachusetts, New Mexico, South Dakota, Vermont, and West Virginia. (69 words)
- [Verify Your Direct Mail Offer | Tilt](/content/apply/mail/index.html): Enter your offer code to verify your pre-qualified credit card offer. Build credit with no security deposit required. (68 words)
- [Set Your AI Up for Success: How BDD Tickets Drive Quality Outcomes](/content/engineering/set-your-ai-up-for-success-how-bdd-tickets-drive-quality-outcomes-2b9a36cfcd9c80d7a908cf89799b9943.html): Your AI is only as good as the ticket you hand it. We dig into how vague requirements sabotage both humans and machines, why Behaviour Driven Development (BDD) acceptance criteria act as a clarity multiplier, and how the simple Given-When-Then structure turns fuzzy intent into something AI can reliably execute. If you're leading teams, working with AI agents, or just tired of reviewing PRs that “technically work” but miss the point, this is your guide to writing tickets that actually get the right thing built. (1,895 words)
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- [apply/cash-advance/r/ybxiqg/index.html](/content/apply/cash-advance/r/ybxiqg/index.html) (113 words)
- [apply/cash-advance/r/ub7k2p/index.html](/content/apply/cash-advance/r/ub7k2p/index.html) (111 words)
- [Tilt | Open App](/content/open/index.html) (59 words)
- [apply/cash-advance/r/tzjwg2/index.html](/content/apply/cash-advance/r/tzjwg2/index.html) (87 words)
- [apply/cash-advance/r/171ngy/index.html](/content/apply/cash-advance/r/171ngy/index.html) (111 words)
- [apply/cash-advance/r/l6pki0/index.html](/content/apply/cash-advance/r/l6pki0/index.html) (113 words)
- [Tilt | Open App](/content/open/institution/linked/index.html) (62 words)

## About Pages

- [About Tilt | Expanding Access to Cash and Credit](/content/about/index.html): Tilt sees a side of people that traditional lenders don't care to. Learn how we're rewriting the rules and changing what's possible. (272 words)

## Resources

- [Full Page Index](/index.html): Browse all cached pages with rich metadata
- [About This Cache](/about.html): Methodology, technical details, and usage guidelines
- [XML Sitemap](/sitemap.xml): Machine-readable sitemap for crawler discovery
- [Robots.txt](/robots.txt): Crawler directives