Bright - Crush Your Card Debt

Bright Money

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 [e-mail] or call us on [phone] [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

Ratings and reviews

I paid $40 & never used it, when I went to cancel due to changes in financial circumstances that prevent me from affording the membership fees I was informed they will be reporting to the credit bureaus a negative closure! $40 to further damage my credit!! I would be aware of this & be certain you can commit to the membership fees before proceeding to sign up. Perhaps for those that can indefinitely afford it, it MAY be beneficial, I can't speak to that as I never reached that point.

This is the worst app by far that I have ever experienced. The customer service is slow and I have been fighting to get a refund and cancel my account with no avail. I have been asking for my money back because this platform isn't as it says now they refuse to explain what happened to my money or if my money will be sent back to my account. I door recommend this app and O plan on contacting TrustPilot also so no one else has to deal with this problem without being aware of this scam.

Do NOT use this app. They make all these promises but they took $97 out of my account then turned around and changed another $18"for a monthly fee. What's the $97 charge all about plus a monthly fee ? I put in a request for a refund and supposedly it's been approved. I'm not very hopeful but we'll see what happens Update 10/23 I'm still waiting on a refund although they keep saying one is coming. I've heard everything from 3-4 days to a technical problem. These people are scammers so beware !