Bright - Crush Your Card Debt 4+

Super App to Pay off Debt

Bright Capital Inc

    • Free

iPhone Screenshots


The Bright App is your super app for deleting any debt. Manage all debt in one place. Access to APRs starting @ 9%. Build credit. A.i. powered Budget and Savings tool

Delete any Debt with the Bright App.

Consolidate multiple debts into one manageable loan, pay down every month, and simplify debt management(1)

Build Credit with the Bright App’s simple credit builder loan(2)

Get personalized money management plans designed to get out of debt.

All this with the Ai powered Bright App at less than $10 per month(3)

What does the Bright App offer?

Pay down high-interest debts on a click(1)
The Bright App can help you consolidate credit card balances, into a single manageable loan of up to $8,000(1). Pay it down with affordable monthly payments, and simplify your management.

Manage all Credit Cards in one place
Simplify Credit Card management with the Bright App. Organize multiple cards and bills in one place, and receive payment reminders. Avoid missed bills and debt with Bright’s Ai-driven plan.

Build Credit with Bright’s credit builder loan
Get a credit builder loan starting at $50(2) on the Bright App. Make on-time payments(2) every month, get your payments reported to the credit agencies, and build your credit.

Build Savings that consistently grow
Start building for a Life After Debt. Bright’s Ai-driven plan helps you pay down debt easily, creates a path to become debt-free, and builds your savings. Plan your financial future right.

Ai driven Budget Plan tailored for you
The Bright App creates personalized payoff plans to pay off debt with ease. Whether your long-due trip, favorite car, a new house, or a happy retirement, the Bright App guides you toward smart budgeting, within your current income.

Expert tips to manage your money the smart way
Get access to expert finance guidance on the Bright App. There are short articles, practical guides, and a comprehensive answer bank for all your money questions. A wealth of financial information to stay on top of your money.

Fast sign-up, and 365 days live support
Signing up for the Bright App takes just 2 minutes(1). Get started with your personalized debt management and credit building. 24*7 Live Customer Support via phone, email, or chat for any queries you have at any point.

Join the community of 1 million+ satisfied customers who have experienced the benefits of the Bright App. The Bright App has been rated 4.8(4) on the App Store.

Get in touch with us
24×7 via phone (+1 8772746494), email (, or chat.

(1)Bright Credit is a line of credit that can be used to pay off your credit cards. Subject to credit approval. Variable APR ranges from 9% –24.99%, and Credit Limit ranges from $500 - $8,000. APR will vary based on prime rates. Final terms may vary depending on credit review. Monthly Minimum Payments are as low as 3% of the outstanding principal balance plus the accrued interest. Also, you can choose to pay more than the minimum due if you want to pay down the loan faster. Credit line originated by Bright or CBW Bank, Member FDIC. Products and services are subject to state residency and regulatory requirements. Bright Credit is currently not available in all states.
(2)Payment history has the biggest impact on credit score accounting for 40% of how score is calculated per TransUnion ( Bright Builder helps you build a payment history that may positively improve your credit score. A credit score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will have a negatively affecting your credit score. Products and services are subject to state residency and regulatory requirements. Bright Builder is currently not available in all states.
(3)Applicable when a user chooses annual or semi-annual plans
(4) Based on App Store ratings as of August 2023

What’s New

Version 1.42

+ Bug fixes.

+ So much! A new all-in-one debt-crusher app with fair and low APRs. Start paying off high-interest cards today. With no credit check!

+ Even easier. No paperwork, no due dates, no math, no worries. Sign up in 2 minutes! Set it and forget it. Let Bright get to work.

+ Sounds fancy and expensive? Like you’d never qualify? Bet you will…

Ratings and Reviews

4.8 out of 5
85.1K Ratings

85.1K Ratings

Spoilmealwayz ,

Paid off my cards fast

This app has been amazing at helping me pay off my credit cards. I’m the type to see money in my account and find ways to spend it on things I can’t even remember I ordered until they arrive at the door. Bright started to take the money out of my account (you set the amount you want to always be left in your account so no worries about non sufficient funds when other items come out) and I didn’t even realize it was gone. I still spent frivolously the remainder I had left not realizing bright had taken quite a nice chunk. In 9 months I paid off 3 credit cards. All with balances over 7k and one with a 23k balance. If you want an app that actually does something for you (and is free), I’m telling you this is it. You won’t notice it’s there and if you find you needed the money it took out, simply go into the app within a week of it taking the funds and deposit the money back into your account. Oh and I didn’t even mention how it helped my credit having this app make multiple payments for me. Ok I’ll stop here before I make a book about this app lol but seriously it’ll change your finances for the better.

Delilahlav ,

Coming for a real life mid aged adult, do not get this app!

I was charged for a membership before even creating a pin to log in, I was just browsing the app to see what features were offered, and since they do not consolidate credit I deleted the app thinking I was just looked at what they offered and created an account I can use in the future, it’s $10 dollars a month charge, which they never specified. (And you have to download the app, no website version) They ask you about your bank information first, where you get you most of your money and deposits from, now in your eyes it’s to give you an expectation on how much they can loan you to consolidate your credit, which is false. They create a “plan” for you to set a “goal” to help you pay down your credit. The app also said it rounds up purchases so you can save money in your saving account, only cool feature. But why on earth would they not specify they’re going to charge you the membership fee? Now I’m calling customer service and emailing support and have no reached anyone, the number on the website just fails immediately after dialing, and I’ve been waiting for an email for a couple days now, I’m requesting a refund for the membership charged that I did not know I was agreeing to. They ask you for your information to see your deposits, is what they say it’s for, BUT ITS TO CHARGE YOU. Good luck everyone, download at your own risk. Still waiting on an email or call from you BRIGHT MONEY support.

Developer Response ,

Hi Delilah, we sincerely apologize for this experience you've had. We have already sent the refund to your checking account as requested and emailed the confirmation on the same to your registered email address. Please let us know with your response if there is anything else we can do to get this changed for you. Thanks.

SillyMongoose18 ,

This app WILL take your money before you even decide to use it!!!

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 with your review handle name from your registered email address. We'll make sure to look into this for you. Thanks.

App Privacy

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


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