Get loan offers, build credit history, pay off debt, report rent, AI budgeting.

1. Loan offers of up to $10,000(1) with no impact on your score(2) to check

Multiple loan offers in a few clicks. You can use the loan to pay off debt like your credit cards. All credit scores can apply.

2. Build credit history with Bright Builder(3)

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

3. Build credit history with monthly rent payments

Get rewarded for paying rent on time(4). Get credit for up to past 2 years of rent payments.

4. Customized debt pay-off plan with Bright Plan

Create a customized pay-off plan to repay credit card debt. Whether 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.

5. AI-driven budget plan tailored for you

6. Expert tips to manage your money

Get access to expert finance guidance on the Bright App. Use Bright’s resources, such as short articles, practical guides, and a comprehensive answer bank for all your money questions.

7. 24*7 live chat and seamless email, call support

Email us at [email protected] or call us on

+1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)]

Unlock savings with our subscription plans! Choose from different monthly plans based on your convenience:

12-Month Plan - $97 billed annually (Save 15% compared to monthly billing)

6-Month Plan - $68 billed every 6 months

3-Month Plan - $39 billed every 3 months

1. Personal loan offers of up to $10,000 are made through Even Financial Corp and its network of financial partners who will determine if you are eligible for a loan. Subject to credit approval and state restrictions. Not all applicants will qualify for the full loan amount, advertised rates or terms. See brightmoney.co for more information

​​2. With your authorization, a soft credit pull may be conducted to facilitate the offer process, but it will not affect your credit score. If after receiving your offer(s) you choose to apply for a loan directly with a lender, the lender may conduct a hard credit pull that can affect your credit score.

3. Payment history has the biggest impact on Credit Score, accounting for 40% of how the score is calculated per TransUnion ( https://www.transunion.com/credit-score ). Bright Builder helps you build payment history that may positively improve your Credit Score. 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 negative effect on your Credit Score.

4. Bright reports customer rent history to TransUnion and Equifax credit bureaus. Please note that credit score improvement is not guaranteed, and individual outcomes may vary. Late payments, missed payments, or other defaults on accounts with Bright or other creditors may negatively impact your credit score. Bright does not control credit score calculations, as they are determined independently by the credit bureaus.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loans are made through Even Financial Corp and its network of financial partners who will determine if you are eligible for a loan independent of Bright. Deposit accounts are provided by Evolve Bank & Trust, Member FDIC. Bright is a financial technology company, not a bank.

When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.