Bright - AI Debt Manager 4+

Super App to Manage Debt

Bright Capital Inc

    • Free

iPhone Screenshots


Up to $8,000 Line of Credit to manage and consolidate multiple debt. Access to APRs starts @ 9%. Build Credit. AI-powered Budget and Savings Tool.

Get Debt in control with the Bright App.

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

Build Credit with the Bright App’s simple secured Line of Credit starting $50(2)

Get personalized money management plans designed to repay 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 debt on a click(1)
The Bright App can help you consolidate credit card balances, into a single manageable Credit Line 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 Secured Credit Line
Get a Secured Line of Credit 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
Bright’s AI-driven plan helps you pay down debt easily, creates a path to get Debt in Control, and builds your savings. Plan your financial future right.

AI driven Budget Plan tailored for you
The Bright App creates personalized payoff plans to repay 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 chat 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 Chat Support.

For any queries at any point, email it to us on or call us on
+1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)]

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.

(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 negatively affect 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 Apple App Store store ratings as of August 2023

What’s New

Version 1.45

+ Bug fixes.

+ So much! A new all-in-one debt consolidation app with fair and low APRs. Start paying off high-interest cards today.

+ 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 could…

Ratings and Reviews

4.8 out of 5
114.4K Ratings

114.4K Ratings

Brigaminja ,

Informative and functional app BUT….

Bright has been great in terms of helping me keep track of my credit card balances all in one place. I do think it might have helped boost my credit a few points here and there but nothing super substantial yet, and that’s that I’ve been doing their credit builder program for at least 8mo now. The thing that is a bit frustrating however is that they lure you in with the offer of once you’ve completed x amount of payments and qualified, you will be given a line of credit essentially to transfer your card balances over so you’re not paying all that interest. Well, I completed the 5 required months forever ago however I haven’t even been given an estimate as to when I might qualify to transfer my balances. There’s a bar which tells you the percentage of how close you are but there is no sure way to know what variables it’s measuring to qualify you. My percentage stayed the same for like 2mo then all of a sudden jumped up less than 10%. So if you already have fairly good credit and are trying to make it better this will probably be most helpful to you. But if you have lower credit or higher card balances it may not work for you as quick as you’d hope.

Developer Response ,

Lets resolve this. This is definitely not what we have planned for you. An email has been sent to your registered address. Kindly respond, and we'll expedite the resolution. Thanks for your understanding!

_sentifer_ ,

Probably a good app, but they left a bad impression with me

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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

You Might Also Like

Lenme: Investing and Borrowing
Atlas - Rewards Credit Card
Gerald: Cash Advance App
Ava: Build Credit History Fast
Credit Genie: Get Cash Advance