2024 Bright Capital Inc.
Revolving lines of credit are made by CBW Bank, Member FDIC, and Bright Capital Inc., NMLS (2410428), subject to state residency. Personal loans are made by our referral partners independent of Bright. Deposit accounts are provided by Evolve Bank & Trust or CBW Bank, Members FDIC.
1. Personal Loans are provided by third party lenders and are not offered by Bright or its partner Banks.. Bright does not provide, nor does it guarantee, any third-party product, service, information, or recommendation. The third parties providing these products or services are solely responsible for them, as well as all other content on their websites.. These advertised products and services may not be FDIC insured or bank-guaranteed. You should check individual offers, products, and services to become familiar with any applicable restrictions or conditions that may apply.
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 score is calculated per TransUnion (). Bright’s Credit 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. Products and services subject to state residency and regulatory requirements. Bright Builder is currently not available in all states.
4. Bright reports payment history to 2 major credit bureaus, Equifax and TransUnion.
5. Bright uses standard industry practices to determine our customer satisfaction score. It's a metric used in all kinds of businesses to measure customer service and product quality. Businesses calculate their score by taking the number of satisfied customers (those who rated them 4 or higher) and dividing it by the total number of responses. As of April 2024, Bright has rating of 5 by over 40,000 users on Play store and by over 90,000 users on the Appstore.
6. Applicable when a user chooses annual or semi-annual plans. When you join Bright and start a Premium Membership you will be charged a recurring fee of $8-14 (depending on plan duration). Your Premium Membership will auto-renew until you cancel membership. Cancel anytime.
* Based on Appstore and Google Play store ratings as on Jan 2024.
The product images shown are for illustration purposes only.
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