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Bright helps you pay off credit card debt smarter and faster. Sign up in minutes and start building your financial future effortlessly.

Save +$1,000 in interest fees and much more with the Bright Assistant, giving you a personalized plan tailored to your financial needs.

Sit back and let Bright do the work. Your credit cards are now smarter and automated.



• PAYOFF CREDIT CARD DEBT SMARTER - Get out of debt and take control of your finances. Bright works to reduce your balances.

• SAY NO TO LATE FEES - Guaranteed protection so you never have to worry about a late fee ever again.

• SAVE MONEY - The more you pay the more you save, lower your interest costs, and stop paying unwanted bank fees.

• FAST AND EASY - All cards in one place, to easily track your bills and expenses. Full transparency.



“I have paid down 2 credit cards without thinking. Thanks to Bright for making it easier!” John, Ohio

“I highly recommend Bright to anyone who is struggling with their finances. This app can put more money back in your pockets than you can do on your own!” Joan, New York

“Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.” Gustavo, California



We are live 24×7 to help you with your money problems. Reach us at our app, website, email or call, we are just fingertips away

24×7 live chat support via our website - www.brightmoney.co

Reach us via email at support@brightmoney.co

Privacy policy - https://www.brightmoney.co/legal/privacy-policy.html
Terms of Use - https://www.brightmoney.co/legal/terms-of-use.html
Bright Website - https://www.brightmoney.co

What’s New

Version 1.24

+ Smarter Payoff - Set your custom payoff method. Try Snowball, Avalanche or choose a card yourself.

+ Smarter Planning - Our new payment plan feature helps you look out for your bills 4 weeks in advance.

+ Send money instantly - Move money to your bank account in minutes.

Ratings and Reviews

4.3 out of 5
1K Ratings

1K Ratings

Organ_Freak ,

A financial SOS lifeline

I haven’t been the best with my spending habits and it has gotten me into some debt. When I realized I needed help I went on a search for something that would truly help me. “They” say that there is an app for everything so I starting comparing different debt reduction apps and found that most of them wanted you have you take out a loan or pay for them to help you. Then I stumbled upon Bright! Bright Money is one of the best things for me to pay down and reduce my debt and keep me on track. No longer do I worry about making on time or even extra payments to my credit card because I have a friend who’s got my back. Thank you Bright so much for helping me be more responsible and become a financially smarter person. One thing I hope to see soon is spend ability feature on the app that tracks your bills and tells you how much you can spend and not go over budget to help pay debt off quicker!

Gina S76 ,

Awesome app BUT my accounts keep disconnecting

I really love this app BUT my accounts keep disconnecting which is the reason for giving it a 2 star rating. I reached out to Bright for assistance but they were NO help. After troubleshooting the issue on my own I found that if I updated the password to my account that disconnected and re-entered the new credentials in the Bright app the account successfully reconnected. Well when I logged in to the app this morning (just a few days after re-establishing the connection to previously disconnected account)I found it disconnected AGAIN and another account also disconnected. I logged into the accounts and changed the passwords and re-entered the credentials in the Bright app but no luck. I keep getting a message saying the accounts are already connected BUT they are not. This is so frustrating because the whole reason I opted to download and use the app is for the convenience of having everything in one place, using the automated payment option and bonus, I love how the app automatically saves money for you. Not sure this app is for me at this point. Previously I paid my accounts through automatic payments and I may just have to go back to doing that at least until Bright improves on their customer service and fixes this bug. I really want this app to work, ugh.

Developer Response ,

Hi - sorry to know that we did not meet your expectations. We would like to fix this and build a product that works well for you. We would love to speak to you and understand the challenges you faced in detail. Request you to reach out to us via email (support@brightmoney.co) or via chat

lilmamaemm ,


This app has taken money and it doesn’t say where on the app or when it would take money from your bank account. It hasn’t posted to my credit cards, it was quick to take it out I’ve only had the app for a few days. I don’t agree with your response. One of the “team members” I chatted with on the app about my frustration just kept saying he understood and bright is a young growing team. BEFORE YOU HAVE PEOPLE LINK THEIR ACCOUNTS YOU SHOULD TELL THEM WHEN THEY SHOULD EXPECT THE MONEY TO BE TAKEN OUT. This is literally still ridiculous. I had my “goal” taken out of my bank account last week and I didn’t know that they automatically take money out I just believed I would be able to click and take my OWN money out when I thought be best. They told me last week they were waiting for it to post and then it would be transferred back. Couldn’t tell me how many days even thought they were very quick to take it out. I got a
message from Bright through my email today that it would be reversed in 4 to 5 business days after I finally emailed bright and told them I thought it was ridiculous that they couldn’t tell me when the funds could be refunded. May I remind anyone who reads my review a only had the app for 2 or 3 days before they initially took the money out and now it’s taking over a week to be reversed.

Developer Response ,

Hi - we want to sort this for you and provide a product that works for you. We would love to give you a demo of our product. We auto-save from your checking account based on the goal you set. Our algorithms analyze your expenses on an ongoing basis to make sure it is really safe to save. All your savings are then paid to your credit cards right on time and in the most efficient way possible to maximize your savings. You stay in control at any time: You can 1) Adjust your goal to account for unexpected expenses, 2) Pause auto-savings or 3) Withdraw money back to your checking account. Please reach out via email (support@brightmoney.co) or via chat and our team would be happy to assist you.

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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