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

It's one of the worst designed apps in the store. The technical issues are not tolerable. Automatically tries to reconnect old credit card accounts that are closed and does not allow you to exit the reconnecting process and navigate the rest of the app. If you successfully do and go to settings, it does not allow you to remove these accounts. And if you try to contact technical support, they reply late and only instruct you to repeat the same process that doesn't work.

This app is a bait and switch. They lure you making you think it's a personal loan service but you cant even access that part without doing their credit builder program. They send you 50 dollars and you have to pay them back 10 dollars a month. They not only charge you for the service, but the money they loan you is 0% interest for only two years so they also will eventually charge you more and hope you won't notice. Read the terms.

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.

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 [e-mail] and we get it fixed ASAP.