Products

Resources

Get Started

Bright Builder

Build credit history with on-time payments

Get Started

How it works?

Deposit $50

Get a secured loan starting at $50
Your money is held for your benefit in a Savings Account ².

Visual representation of choosing an amount

Pay minimum due

Pay at least the minimum amount due on the loan every month.
This is the minimum of $10 or 50% of outstanding balance.

Visual representation of linking an account

Report to bureaus

Get your payments reported to the credit bureaus.
Equifax, TransUnion, and Experian.

Visual representation of accepting an offer

Build credit history

On-time payments may help increase your credit score.

Late or missed payments will also be reported to the credit bureaus and can have a negative effect on your credit score.

Visual representation of money being credited

Bright Builder is a secured line of credit with a security deposit starting at $50.

It is an open-end credit product that allows you to make draws, repay and redraw as needed so long as your account is in good standing up to your credit limit to an account of your choice. Your security deposit funds are only accessible after you close your line of credit and clear any remaining outstanding balances.

Apply Now

FAQs

Can I payoff or close my account anytime?

Yes

Do I need to pay interest fees?

Is there a hard pull on credit report?

Do you report to Equifax, Experian and TransUnion?

Yes

Can I spend the loan funds immediately?

Yes

Is this a revolving line of credit?

Yes

Is Bright Membership required for Bright Builder?

Do I need to provide a security deposit?

Yes

Can I access the funds of the security deposit?

Will Bright report both on time and missed payments to the credit bureaus?

Yes

FAQs

Can I payoff or close my account anytime?

Yes

Do I need to pay interest fees?

Is there a hard pull on credit report?

Do you report to Equifax, Experian and TransUnion?

Yes

Can I spend the loan funds immediately?

Yes

Is this a revolving line of credit?

Yes

Is Bright Membership required for Bright Builder?

Do I need to provide a security deposit?

Yes

Can I access the funds of the security deposit?

Will Bright report both on time and missed payments to the credit bureaus?

Yes

2025 Bright Capital Inc.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loan offers are available through Bright Money’s Network Partners, subject to credit approval and applicable state restrictions. Loan amounts and terms vary. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. Learn more here. Bright is a financial technology company, not a bank.

When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.

1. Payment history has the biggest impact on your credit score, accounting for up to 40% of how the score is calculated, according to TransUnion (source). Bright Builder helps you build payment history that may positively improve your credit score. Credit score increases are not guaranteed, and individual results may vary. Late payments, missed payments, or defaults on your accounts with us or others will negatively impact your credit score. Products and services are subject to state residency and regulatory requirements. Bright Builder is not available in all states.

2. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. Learn here.

3. Secured line of credit with minimum deposit starting at $50. Loans provided by Bright Capital Inc., NMLS (2410428). Credit reporting to Equifax, Experian and TransUnion. State restrictions apply. Any credit scores, score changes, or improvements shown or inferred are estimates only. Credit score increase or loan approval is not guaranteed. Late payments or other defaults can have a negative impact on your credit score. APR = Annual percentage rate.

Bright Money does not endorse or assume responsibility for the content, services, or security of third-party websites linked from Bright Money, and is not liable for agreements or contracts you enter into with third-parties. Linked websites may have different privacy policies and terms of use.

The product images shown are for illustration purposes only.

Build credit history with on-time payments