A personalized cash-advance flow that turns Tilt's existing income and expense data into a clear, affordable choice. The flow opens where Tilt's does today — choosing an amount — then layers in a recommendation, the instant-delivery fee, and a plain-language repayment preview, so users borrow an amount they can comfortably repay without losing control of the decision. Built in Tilt's current UI language.
Product hypothesisIf users have more transparency and guidance around their advance decision, they will make better borrowing decisions, increase repayment success, and trust the product more.
Tap the amount options on Screen 1 — the breakdown updates live.
Instant delivery fee follows Tilt's current model: $1–$8 for advances under $300, or 3% for $300+ (standard delivery is free). This prototype assumes the user chooses Instant delivery, so the fee is shown in every breakdown.
Screen 01
The flow opens where Tilt's does — choosing an amount — but highlights the recommended amount and shows the affordability impact, including the instant fee, live.
9:41
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Cash Advance
🪙
How much would you like to draw?
You're approved for up to $250
$150Recommended
$200
$250Max
Advance
$150
Instant delivery feeWithin minutes · Visa Debit ···2940
$3
Total to repayOn your next payday, Aug 20
$153
Est. balance after repayment
$680
💡
Recommended. $150 covers your need while leaving you the most room before your next paycheck.
Screen 02
Tapping through explains the "why" behind the recommended $150 — income, upcoming expenses, and the balance left after repayment. The user stays fully in control.
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Cash Advance
✓ Recommended for you
$150
You qualify for up to $250
Why this amount?
✓
Next paycheck
$1,850
✓
Upcoming expenses
$1,020
✓
Balance after repayment
$680
This amount covers your immediate need while keeping your repayment comfortable before your next paycheck. You're always in control — the full $250 stays one tap away.
Screen 03
Tilt's real amount + delivery + summary moment — now with an instant-fee breakdown and a plain-language timeline of exactly what's deposited and repaid, and when.
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Cash Advance
$150
Amount
Delivery option
Instant ⚡
Within minutes
$3.00
Visa Debit ···2940
Change card
Repayment plan
↓
Today · Aug 5
+$150 deposited
Instant · to Visa Debit ···2940 · arrives in minutes
↑
August 20 · Next payday
–$153 repayment
$150 advance + $3 instant fee · auto from Checking ···2345
$
After repayment
$680 estimated balance
Based on your income & upcoming expenses
🔁
Need flexibility? You can adjust your repayment date any time before August 20 — no penalty. Or switch to free standard delivery to skip the $3 fee.
Screen 04
Tilt's real "Funds are on the way" moment — now reinforcing the repayment date and total to repay, so nothing about repayment is a surprise.
9:41
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Cash Advance
🪙
Funds are on the way
Your $150 Cash Advance will be in your Visa Debit ···2940 account in a couple of minutes.
Advance amount
$150.00
Instant delivery fee
$3.00
Total to repay
$153.00
Repayment
August 20Next payday
Repayment account
Checking ···2345
🔔
We'll remind you 2 days before repayment — and again the morning it's due.
Screen 05
The relationship continues past the transaction — a status view that keeps repayment on track and improves completion.
9:41
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Cash Advance
Advance delivered
✓$150
Delivered Aug 5Repay Aug 20 · $153
✅
You're on track. Your $153 repayment is fully covered by your next paycheck.