Bright - Crush Your Card Debt

4.6
51.1K reviews
500K+
Downloads
Content rating
Everyone
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

About this app

Get Debt in control with Bright Money.
Consolidate multiple debt into one manageable Credit Line, pay down monthly, and simplify debt management(1)
Build Credit with 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 @ <$10/month(3)

What does the Bright App offer?
Pay down high-interest debt on a tap(1)
The Bright App can help you consolidate credit card balances, into a single Credit Line of up to $8,000(1). Pay it down with affordable monthly payments, and simplify your management.

Bright Credit Fees
Credit limit - $500 - $8,000
APR (Annual Percentage Rate - 9% –24.99%
Application fee - $0
Origination fees - $0
Late fees - $0
Prepayment fees - $0
Monthly minimum payment - 3%
(of the outstanding principal balance plus the accrued interest)
Example:
Credit limit - $5,000
APR (Annual Percentage Rate) - 12%
Outstanding Principal Balance - $5,000
Monthly minimum payment - $200

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)monthly, 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 under 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 easily. Whether you are planning a long-due trip, a 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 support@brightmoney.co 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.

(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(https://www.transunion.com/credit-score). 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
Updated on
Mar 14, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info
This app may collect these data types
Personal info, Financial info and 2 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.6
50K reviews
Jenna (poplick61)
March 8, 2024
Before you get this app, you should know this is a $36/month credit builder, not a loan. And they WILL charge even if you don't finish setup. There may possibly be options for loans, but the fee is for the credit builder, and even if you don't finish setting up your account, if you give your bank info, you WILL be charged. I cant speak to the quality of the credit building aspect, as I immediately requested a refund. They do make the refund process a lot easier than I initially expected though.
66 people found this review helpful
Did you find this helpful?
Bright Money
March 8, 2024
Hi there, we would love to take a look into your account & figure out what happened. We're sure we can help you sort this out right away. As we're unable to locate your account, please connect with us over our escalation email grace.renee@brightmoney.co from your registered email. We'll make this right for you. Thanks
Mary Collins
February 25, 2024
Scammers. I would never agree to pay an annual fee for any membership. So randomly, I was changed almost $90 for an annual membership that I did not sign up for. Now on my bank, it's showing no longer pending and it's fully processed. But on this app, I still have to wait 4-5 business days to BEGIN the refund process. Not to mention this whole time, my credit barely moved. But as soon as I got Kikoff or Self I saw a major improvement. Horrible service overall.
76 people found this review helpful
Did you find this helpful?
Bright Money
February 25, 2024
Let’s Resolve This! We're eager to dive into your account and sort out any issues. Can you drop us an email at grace.renee@brightmoney.co from your registered email address with your review handle name to help you? We're confident we can make things right for you quickly!
Stephanie Segers
March 23, 2024
[My initial review wasn't favorable, but I'm updating the review to reflect the outcome of contacting them with the issues I had with them.] *Update, Bright issued a refund. It didn't take long for the refund to process. But they also incessantly contacted me afterwards to get an updated review. I'm satisfied with the outcome of this ordeal, so two more stars for satisfactorily resolving the issue. But it's only for resolving the issue. This app needs to make fee schedules MORE transparent.
12 people found this review helpful
Did you find this helpful?
Bright Money
March 8, 2024
Hi, we're really sorry about the inconvenience caused. This is definitely not what we had planned for you. We have sent you an email to your registered email address. I would request you to respond back on the same and we'll fix this for you. Thanks!

What's new

+ 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…
+ Lots of other improvements and bug fixes

If something is not working as expected, please let us know at support@brightmoney.co and we get it fixed ASAP.