Bright - AI Debt Manager

Name: Bright - AI Debt Manager
Rating: 4.8 (217660 reviews)
Author: Bright Capital Inc

Super App to Manage Debt

Only for iPhone

Free

218K Ratings
Ages

4+
Years
Category

Finance
Developer

Bright Capital Inc
Language

EN
English
Size

105.9
MB

iPhone

1. Cash Advance offers up to $750(1) Get extra cash for emergencies or other needs. No credit check(2). No interest. Multiple offers 2. Loan offers of up to $10,000(3) with no score impact Multiple loan offers on a single App. Compare rates, terms, and fees, and choose the best offer for you. 3. Rebuild credit history Secured line of credit starting at $50. Make on-time monthly payments, have your payments reported to the credit agencies, and build a strong credit history(4). 4. Build credit history with rent Build credit history with rent payments you already make (5). Get rewarded for paying rent on time. Get credit for up to 2 years of past rent payments. 5. Get customized debt pay-off plans A customized plan built with AI to manage debt and pay off smartly with your current income. 6. AI-driven budget plan tailored for you Whether it’s for a long-due trip, a favorite car, a new house, or a happy retirement, the Bright App guides you toward smart budgeting with your current income. Unlock savings with our exclusive subscription plans! 12-Month Plan - $97 billed annually 6-Month Plan - $68 billed every 6 months 3-Month Plan - $39 billed every 3 months Cancel anytime. Bright Premium membership is not required for Bright Builder or Loan offers. Queries? Contact us at support@brightmoney.co or +1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)]. 24*7 live chat support 1. Cash Advance offers are provided by Network Partners and third parties, not Bright Money. The Cash Advance amount ranges from $25 to $750.Terms, eligibility, fees, and approval are determined by the partners. Please refer to the respective Network Partner’s app for complete terms and conditions. 2.“No Credit Check” claim applies only to Cash Advance offers provided through third-party Network Partners. Any other loan, credit, or financial product offered by Network Partners or financial institutions may require a credit check or other eligibility verification. Bright Money does not guarantee or influence the credit approval process for any financial product. 3.Personal loan offers are provided by third parties, subject to credit approval, state restrictions, and terms; Bright Money may receive referral compensation but does not endorse or guarantee these products. 4.Secured line of credit with minimum deposit starting at $50. Credit Reporting to Equifax and TransUnion by Bright Money. Bright Builder helps you build a payment history that may positively improve your credit score. Credit score increases are not guaranteed, and individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will negatively affect your credit score. Bright Builder is currently not available in all states. Bright reports rent payment to TransUnion. You can report up to 2 years of past and ongoing rent payments. Individual results may vary. Score improvement is not guaranteed. This is a paid service on top of Active Bright Membership and incurs a cost starting at $31 for up to 2 years of past reporting and $4 per month for ongoing. For detailed information, please visit www.brightmoney.co/rent-reporting-policy. Bright is a financial technology company, not a bank. Personal Loans are provided by Bright’s Network Partners (https://www.brightmoney.co/legal/network-partners). Bright Capital Inc (NMLS #2410428) holds the following state licenses and registrations (https://www.brightmoney.co/legal/state-licenses-and-consumer-information/licenses-in-states) and does business under the following DBAs (https://www.brightmoney.co/legal/state-licenses-and-consumer-information/doing-business-as-dba).

Ratings & Reviews

4.8

out of 5

218K Ratings

Amazing !
Aug 21

Step grim
I love this app and this service so much. They truly do help you get out of debt so much more then you’d even imagine possible. I am so greatful I stumbles across this app when I did . I seriously swear I live by it I stand behind this product and there amazing mission & service they offer. I be telling everyone I come in contact with about it and even got alot of my friends In on it to now and they love it also. Seriously you so t regret checking this one out at all it’s such a game changer it truly improves ur debt and ur credit & really just does help cane your life for the better more then you’d ever realize. Will have u living alot more stress feee I assure that ! I’m so blessed to have found this app and I’m forever greatful. I love it so much I was most very skeptical when first singing up and trying it out but told myself ehh what’s difference is it gonn a make can’t harm me anymore worst then life already does so took the leap of faith and let me just tell u it’s seriously almost mind blowing just how powerful and incredible it is I’m js will leave u shocked breathless and crying the ugliest happy tears of ur whole life !
Amazing !
Aug 21

Step grim

I love this app and this service so much. They truly do help you get out of debt so much more then you’d even imagine possible. I am so greatful I stumbles across this app when I did . I seriously swear I live by it I stand behind this product and there amazing mission & service they offer. I be telling everyone I come in contact with about it and even got alot of my friends In on it to now and they love it also. Seriously you so t regret checking this one out at all it’s such a game changer it truly improves ur debt and ur credit & really just does help cane your life for the better more then you’d ever realize. Will have u living alot more stress feee I assure that ! I’m so blessed to have found this app and I’m forever greatful. I love it so much I was most very skeptical when first singing up and trying it out but told myself ehh what’s difference is it gonn a make can’t harm me anymore worst then life already does so took the leap of faith and let me just tell u it’s seriously almost mind blowing just how powerful and incredible it is I’m js will leave u shocked breathless and crying the ugliest happy tears of ur whole life !
Probably a good app, but they left a bad impression with me
11/06/2023

_sentifer_
I’m sure this app is probably good at doing whatever it does, I see many people leaving good reviews. But they messed up with me when I was gett started. I couldn’t put my credit card info since I had misplaced it a while ago and I’ve been waiting for a new one in the mail. Meanwhile, these people never told me, or asked for my permission in withdrawing funds from my personal bank account. I wanted this app to help me pay off my credit cards. But in the time I was waiting for my card in the mail, I started seeing a SEA OF WITHDRAWALS coming out of my personal account. This app started a “smart savings” which is pretty nice, except for the fact that I necer agreed to that. They will simply start taking your money and putting it in the app without your permission or knowledge. I got very upset seeing money taken out, a few dollars at a time, multiple times a day with this app. I no longer want anything to do with this app. Do not mess with people’s money and start taking it unauthorized. There’s already little trust in corporations having our personal information, and I was really pussed off to see you guys meaaing with my money. No thank you. It’s also impossible to delete your account info and even the whole profile itself. I have not found a way to do so and am trying to talk to customer service about this. Be informed before downloading this app.

Developer Response
Hi there, we're really sorry about the troubles you've had with the app so far. This is definitely not the experience we wanted you to have. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co with your review handle name from your registered email address. We'll make sure to look into this for you. Thanks.
Probably a good app, but they left a bad impression with me
11/06/2023

_sentifer_

I’m sure this app is probably good at doing whatever it does, I see many people leaving good reviews. But they messed up with me when I was gett started. I couldn’t put my credit card info since I had misplaced it a while ago and I’ve been waiting for a new one in the mail. Meanwhile, these people never told me, or asked for my permission in withdrawing funds from my personal bank account. I wanted this app to help me pay off my credit cards. But in the time I was waiting for my card in the mail, I started seeing a SEA OF WITHDRAWALS coming out of my personal account. This app started a “smart savings” which is pretty nice, except for the fact that I necer agreed to that. They will simply start taking your money and putting it in the app without your permission or knowledge. I got very upset seeing money taken out, a few dollars at a time, multiple times a day with this app. I no longer want anything to do with this app. Do not mess with people’s money and start taking it unauthorized. There’s already little trust in corporations having our personal information, and I was really pussed off to see you guys meaaing with my money. No thank you. It’s also impossible to delete your account info and even the whole profile itself. I have not found a way to do so and am trying to talk to customer service about this. Be informed before downloading this app.
Developer Response 11/08/2023
Hi there, we're really sorry about the troubles you've had with the app so far. This is definitely not the experience we wanted you to have. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co with your review handle name from your registered email address. We'll make sure to look into this for you. Thanks.
This app WILL take your money before you even decide to use it!!!
06/03/2023

SillyMongoose18
I have been trying since May 11, 2023 to get a refund! This app will trick you into thinking you’re just checking out the plans, but they WILL charge you and keep your money before you even decide that’s what you want to do! Not only that, but it’s very shady about these “monthly plans”. They boast a small charge of $7.41/monthly, BUT what they ACTUALLY mean is they’re going to charge you for the entire YEAR. (This is specified in a VERY FINE, LIGHTLY PRINTED print at the bottom of the page, and I was not wearing my glasses, so OF COURSE I didn’t see it.) Regardless, I wasn’t even aware that I even signed up in the first place!! I looked at the plans, but I hadn’t signed up, or so I thought! I was l charged $88 out of the blue and of course had to investigate to find out what in the world was going on!! I have been emailing their poor excuse for “customer service” since the 11th of May! And I had to send MULTIPLE emails to get anyone to respond!! And now they’re saying my issue has been resolved, because they cancelled my “membership” that I never used nor signed up for! They will not respond in regards to a refund, and I sent a third email today regarding this! It’s absolutely ridiculous! I feel completely taken advantage of! If you are going to use this app, be VERY VERY careful!! And good luck if anything happens and you need assistance! Customer service is a complete joke!

Developer Response
Hi there, we're really sorry about the troubles you've had with the app so far. This is definitely not the experience we wanted you to have. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co with your review handle name from your registered email address. We'll make sure to look into this for you. Thanks.
This app WILL take your money before you even decide to use it!!!
06/03/2023

SillyMongoose18

I have been trying since May 11, 2023 to get a refund! This app will trick you into thinking you’re just checking out the plans, but they WILL charge you and keep your money before you even decide that’s what you want to do! Not only that, but it’s very shady about these “monthly plans”. They boast a small charge of $7.41/monthly, BUT what they ACTUALLY mean is they’re going to charge you for the entire YEAR. (This is specified in a VERY FINE, LIGHTLY PRINTED print at the bottom of the page, and I was not wearing my glasses, so OF COURSE I didn’t see it.) Regardless, I wasn’t even aware that I even signed up in the first place!! I looked at the plans, but I hadn’t signed up, or so I thought! I was l charged $88 out of the blue and of course had to investigate to find out what in the world was going on!! I have been emailing their poor excuse for “customer service” since the 11th of May! And I had to send MULTIPLE emails to get anyone to respond!! And now they’re saying my issue has been resolved, because they cancelled my “membership” that I never used nor signed up for! They will not respond in regards to a refund, and I sent a third email today regarding this! It’s absolutely ridiculous! I feel completely taken advantage of! If you are going to use this app, be VERY VERY careful!! And good luck if anything happens and you need assistance! Customer service is a complete joke!
Developer Response 06/05/2023
Hi there, we're really sorry about the troubles you've had with the app so far. This is definitely not the experience we wanted you to have. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co with your review handle name from your registered email address. We'll make sure to look into this for you. Thanks.
WARNING-please read !!!🚨🚨🚨🚨🚨🚨🚨🚨
Jan 29

guy named gurt. yogurt!
FRAUDULENT COMPANY. Lie about everything, even the chatbots are made to lie and pretend to be “live agents” while promising and always ending up lying and making you talk in circles. The phone calls are spoof calls, you can’t remove your bank. Most people didn’t know they signed up for membership as they trick you through third party signing up where it’s not in their (horrible) app or on their site. Fooled me, I’m sad to say as somone who is usually very careful. Or so I thought. I don’t even recollect where I “accidentally signed up” I NEVER AUTHORIZED THIS. They will continuously try and request and make you incur fees with your own bank if you forget and didn’t notice on your statements. Everything is as hard to navigate as it seems devious and manipulated. When further looking into it, you see many of the same experiences that others warn about. Unfortunately in hindsight for the poor soles preyed upon by “bright money” which they routinely spell wrong. The very company “reps” can formulate logical emails and dispel inconstant inconsistencies of information then change it. The app is terrible and typos everywhere, no transparency when trying to navigate menus and account and settings to get info of the company. The website arguably worse. When formulating valid and supported observations, they begin to freak out and start offering money. -STAY AWAY

Developer Response
We’re here to help! We understand your concerns about the charges, which are clearly detailed in our app and on our website. Your satisfaction is important to us, so if you have any issues regarding the charges, we’d be happy to assist you with a refund if applicable. Please reach out to us at appreview@brightmoney.co using your registered email address, including your review handle name, or contact us at +1 877-274-6494 during our operational hours: Monday to Friday, 9:30 AM to 6:30 PM (CST).
WARNING-please read !!!🚨🚨🚨🚨🚨🚨🚨🚨
Jan 29

guy named gurt. yogurt!

FRAUDULENT COMPANY. Lie about everything, even the chatbots are made to lie and pretend to be “live agents” while promising and always ending up lying and making you talk in circles. The phone calls are spoof calls, you can’t remove your bank. Most people didn’t know they signed up for membership as they trick you through third party signing up where it’s not in their (horrible) app or on their site. Fooled me, I’m sad to say as somone who is usually very careful. Or so I thought. I don’t even recollect where I “accidentally signed up” I NEVER AUTHORIZED THIS. They will continuously try and request and make you incur fees with your own bank if you forget and didn’t notice on your statements. Everything is as hard to navigate as it seems devious and manipulated. When further looking into it, you see many of the same experiences that others warn about. Unfortunately in hindsight for the poor soles preyed upon by “bright money” which they routinely spell wrong. The very company “reps” can formulate logical emails and dispel inconstant inconsistencies of information then change it. The app is terrible and typos everywhere, no transparency when trying to navigate menus and account and settings to get info of the company. The website arguably worse. When formulating valid and supported observations, they begin to freak out and start offering money. -STAY AWAY
Developer Response Jan 30
We’re here to help! We understand your concerns about the charges, which are clearly detailed in our app and on our website. Your satisfaction is important to us, so if you have any issues regarding the charges, we’d be happy to assist you with a refund if applicable. Please reach out to us at appreview@brightmoney.co using your registered email address, including your review handle name, or contact us at +1 877-274-6494 during our operational hours: Monday to Friday, 9:30 AM to 6:30 PM (CST).

What’s new? Introducing a Faster, Smoother Login Experience on Bright Money A custom in-house solution for your login experience. This enhances overall efficiency and gives us more control to fine-tune every detail. Here’s how this update benefits you: + Faster Login Times: Get into your account quicker than ever. + Improved Reliability: A seamless and steady experience, every single time. + Enhanced Control: Ensures optimal performance, with the highest security standards.

Version 1.58.3

Dec 3

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- Identifiers
Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

Information

Seller
Size
Category
Compatibility
Languages
Age Rating
Copyright

Developer Website

Privacy Policy

Supports

Wallet

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Ratings & Reviews

What’s New

Version 1.58.3

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

Supports

Wallet

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