Bright - Crush Your Card Debt

22.3K reviews
Content rating
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About this app

Bright is a super app for crushing credit card debt. Start with a low-interest line of credit. No credit check is required. Instant approvals. Use it to pay off high-interest cards today.

Qualify for up to $8k. Earn more every month. Lock in a low APR for good.

Pay off cards 3x faster. Get a safe, easy credit boost. (Up to 60 points!) And build for life after debt with a financial plan based on you and your goals.


1. Download the Bright app
2. Connect your bank accounts and credit cards
3. Unlock your Bright Account, an expandable credit line with a low APR
4. Bright uses your new credit line to pay off your selected credit card
5. Our Smart Manager automates your monthly repayments
6. You pay off high-interest cards and get debt-free fast

Week by week, our Smart Manager makes smart payments for you, to get you debt-free faster. Every month, Bright rewards your on-time payments by upping your credit limit. And our Credit Builder service offers a safe, easy boost - with no interest charges and no hidden fees.


- Bright is a super app that gets you debt-free faster, starting with the low APR you deserve. With instant approvals, you can start paying off high-interest cards today.

- Unlike other apps, Bright works for everybody: no credit check is required, and your credit line grows based on you going forward. Bright only looks ahead, no matter your credit history.

- Our Credit Builder service is safer and easier, with no interest charges and no hidden fees, and it runs automatically. Sign up today and watch your score go up!

- Our Smart Manager uses our own patented AI, the world’s most advanced, to study your finances and make card payments that make sense for you.

- Bright helps you start building for life after debt, even while you’re still working to pay off card debt. With a personalized plan, Bright can build more savings faster, with a step-by-step guide to reaching your goals.


- You get a low-interest line of credit to start paying off cards today. The more responsibly you use it, the more your credit line grows – and the faster you can pay off your cards.

- You get a fair APR, lower than most banks can offer. And it’s locked in for good, a low-interest rate you can depend on for life.

- You get an automated card manager that makes smart payments for you, is always on time, and is designed to get you debt-free fast.

- You get an advanced AI service that studies your spending habits and adapts automatically to your shifting needs, keeping your payments on track.

- You get a personalized financial plan, based on your goals and prepare your finances for life after debt.


“I have paid down 2 credit cards without thinking. Thanks to Bright for making it easier!” John, Ohio

“I highly recommend Bright to anyone who is struggling with their finances. This app can put more money back in your pockets than you can do on your own!” Joan, New York

“Really unique concept. I'm impressed with Bright's AI component and the fact that it does what it says - pays down your debt.” Gustavo, California


24×7 via phone (+1 8772746494), email ( or chat
Updated on
Nov 30, 2022

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.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Device or other IDs
Data isn’t encrypted
You can request that data be deleted
22.3K reviews
Zach Turner
January 15, 2023
The service they offer is exactly as described and is easy to use within the app. However, I was unaware of (or forgot) the $9.99 service fee on top of the amount they charge to repay any credit cards they've paid off for you. I attempted to cancel but only received canned responses for about 3 months. After initially leaving a 1 star review I did hear from someone at Bright and they resolved the issue, though I would have appreciated an effective-dated resolution to my original request date.
114 people found this review helpful
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Bright Money
January 15, 2023
Hi Zach, we're really sorry for the delay in processing your request. This is definitely not the experience we wanted you to have. We've sent you a confirmation to your registered email addressing your request with the refund amount. Please respond to the email if you have any further concerns, we'll take care of it for you immediately. Thanks.
Shae Dawn
February 16, 2023
So far this app sucks. I completed the 5 step program to unlock a limit up to 8000 for balance transfers but it's just stuck. It hasn't unlocked anything. I've had it for 3 months. I'll pay for 3 more months but after that, I'm more than likely gonna cancel. No one has answered me for the past 2 weeks to even help me resolve my issue! I would not recommend this app unless you have patience and don't need the money or balance transfer.
54 people found this review helpful
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Bright Money
February 16, 2023
Hi Shae, we're really sorry about the inconvenience caused. This is definitely not what we had planned for you. As we're unable to locate your account, please connect with us over from your registered email address. We'll fix this for you. Thanks.
ryan wikstrom
February 11, 2023
So far, less than 24 hours in, this has been, by far, one of the single most frustrating and worthless apps I've ever downloaded. App freezes, app can't link to my bank account, app loses track of my bank account after spending hours connecting. Have to reconnect, app times out. No support. Tried calling them, tried doing chat, multiple times with both. 0 response. Then, it has the audacity to ask me for referrals for their service and asks me to explain why I selected none. Doesn't work!
52 people found this review helpful
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Bright Money
February 11, 2023
Hi Ryan, 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

+ 'Debt paydown' - See your payment plan for all your credit cards neatly organized in one place
+ 'Extra savings' - Got some extra money you like to pay your credit cards with? Now you can manually add it to your Bright Account.
+ 'Edit Card details' - Has your APR or due date changed? Easily update your credit card details inside the app.
+ Lots of other improvements and bug fixes

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