Bright: Loans & Credit Builder

1. Loan offers of up to $10,000(1) with no impact on score to check
Multiple loan offers in one app. Compare rates, terms, and fees from different lenders and choose what works best.

2. Cash Advance offers up to $750
Get cash for emergencies or other needs. Offers up to $750(2) with no credit check(3). Multiple options available.

3. Build credit history
Get a secured line of credit starting at $50. Make on-time payments, get reported to credit agencies, and build credit history(4).

4. Build credit history with rent
Build credit with rent payments you already make(5). Get rewarded for paying on time and report up to 2 years of past 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).

6. Manage your bills
View all subscriptions in one place. Track recurring payments, find savings, and cancel unwanted plans(7).

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 Personal Loan offers.

Queries? Email us at [email protected] or call us on
+1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)]. 24*7 live chat support


1. 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. For more details, please see our full Loan Disclosures.
2. 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.

3. "No Credit Check” applies only to Cash Advance offers from Network Partners. Other products may require a credit check. Bright Money does not guarantee approval
4. Secured line of credit with minimum deposit starting at $50. Loans provided by Bright Capital Inc., NMLS (2410428). Credit reporting to Equifax, Experian and TransUnion. State restrictions apply. Any credit scores, score changes, or improvements shown or inferred are estimates only. Credit score increase or loan approval is not guaranteed. Late payments or other defaults can have a negative impact on your credit score.
5. Bright reports rent payment to TransUnion & Equifax. 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.
6. Bright Plan is intended for educational purposes only to help customers make decisions regarding the repayment of credit obligations. The Bright Plan does not constitute a recommendation for debt repayment, credit counseling, or credit servicing. Customers can modify or change the Plan as they wish. Savings accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC.
7. Results will vary. Savings are not guaranteed. Potential annual savings are based on an analysis of 12,846 Bright Money users, with a median savings opportunity of $119.88. Available with eligible Bright Money memberships.

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).