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).
So to start off, Bright Money seems to be in it's infancy so give it a chance. The developers seem to be continually updating the app, working out kinks and listening to user feedback. The concept alone is genius. It especially reaches to the people that have credit card debt, able to make atleast minimum payments yet still can't seem to take ahold and climb out of debt. In a nutshell, this app is a one-spot stop that lists your credit cards (min payment, due dates, apr, etc) as well as your checking accounts (funding accounts they call them) and then Bright will pay atleast the minimum if you set it up to for each credit cards. The genius part about this is that you set up a monetary monthly goal for your Bright account that has to be atleast the minimum of your credit cards that you want to pay through Bright. Bright will analyze your funding accounts (i.e. know how much you roughly spend on bills and other expenses monthly from your checking accounts) and put away money accordingly in the Bright account to pay atleast the minimum of your cards and then some if you set a monthly goal of more than just the minimums. It also pays it off smartly if possible, meaning it pays atleast the minimum payment before the due date (again if possible)making you pay less APR on the credit card. They just added a new feature which allows you to pick different pay off methods on how you would like to tackle your credit card debt (highest APR first, lowest balance first, highest balance first... etc) but the best part about that is that it tells you the advantages and disadvantages of each method. I am telling you this will be a game changer for many people if they are willing to work through the kinks.
They Keep Charging Me and They’ve Stolen My Money
Oleon8762
Where do I begin? They’re great at taking the money from my account very quickly… then trying to actually get it out to make payments is painful (I’m being nice, as I can’t curse on here). I’ve had a withdrawal pending for over 3 weeks now and they’re still saying it’s “Pending” and then they tell me I need to wait two more business days and it will be there. They said I need to verify my identity. I’ve done it twice. Fast forward another two more business days and surprise! The money is nowhere to be found. Now the support. I think I would get a better customer support from a well trained simian than working with their chat support. They ask a question and I go to look at it to go ahead and get the issue resolved. When I come back to answer, they have closed the chat because I didn’t respond… after a minute. When they asked me to do something for them. Now to their phone support - I called and they say something completely different than the chat. I ask for a supervisor and they say they’re busy and will call me back. Three days have gone by and no call back. I decide I need to stop all withdrawals… they still take the money from my account after I tell the app to stop. I will not be renewing and the problem is that I will probably not get any help from them once I do. They have now stolen money from me and I keep getting the run around. They also keep taking money from me. Run far and fast away from this app. If I could give it no stars I would.
Developer Response
We want to solve this for you. Please email us at appreview@brightmoney.co from your registered email address, including your review handle name, so we can assist you further. You can also reach us at +1 877-274-6494 during our operational hours: Monday to Friday, 9:30 AM to 6:30 PM (CST).
Terrible
Shaggy2scoob
This app has hurt my credit not helped it. The credit building program is a farce. Once the initial setup was complete it worked as advertised for a short period and then issue after issue arose. Payments were not going through or saying late when there is no reason for it. Badly reflecting on credit reports. Every time you hit the "paid" balance and it restarts it hits your credit for up to 75 points of a drop. After awhile the credit building section of the app just disappeared completely. I could no longer make manual payments preemptively to prevent the false "late" payments. I couldn't even see what the balance is or manage anything whatsoever. Whenever I would receive an email saying "Payment is overdue" and click the "Pay now" option it would open the app and just take me to the main page as the credit building section has ceased to exist. The customer service is useless as if they don't even know how the app works and have 0 experience. Continuously I have contacted with 0 result. They even try and deflect saying it is other loans or payments affecting your credit not them. I currently have no other credit items reported just them, and my report specifically states that my credit dropping was due to the bright money program. They are either unwilling to help or so incompetent they are unable to. Either way, would never recommend them. Completely awful. Be cautious in doing business with them.
Credit Builder Program Scam
BeyondMadAF
I didn’t qualify for the transfer LOC so they suggested their credit builder program by which they’d “offer” me a $50 LOC and I’d pay back $10/month for 5 months to qualify to apply for the transfer LOC. Seemed low risk enough. At no point during the offering of this program or me subsequently signing up for it was there any indication whatsoever that it required a membership for a monthly subscription fee that would be charged annually. They took $99 out of my account. I’m literally paying them to “borrow” $50 - which has yet to be produced in any way commonly associated with a typical LOC - and then paying them back the $50 they “loaned” me likely out of the $99 they charged me in the first place or the $99 they charged someone else. In other words, I’m paying them $149 to borrow $50 from MYSELF or some other poor hapless soul. When I contacted customer service during non business hours I was responded to by a bot and given a 48 hour response wait time. In an email response 2 days later they explained the fee was taken for the membership in the program and when I replied to cancel the membership and take me out of the program I got no response whatsoever. I contacted again this morning only to get another response from a bot and a wait time of another 48 hours. I don’t know why they have so many stars or if anyone truly has received a transfer LOC but if they have it seems Bright is scamming people with lower credit scores to obtain the cash to finance their transfer LOC program.
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
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 1.59.2
The developer, Bright Capital Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
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
The developer has not yet indicated which accessibility features this app supports. Learn More
