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Bright is a new AI-driven financial plan that delivers real results, paying off debt fast and building more wealth automatically. It's a smart and easy way for anyone to get debt free faster, boost their credit score and build more savings. It’s a new, guided path to financial well-being.
Bright’s new patented AI system studies your finances and builds a personalized Bright Plan, finding the fastest, smartest way to deliver your goals. Every 2 to 3 days, your Bright Plan moves a small amount from your checking account into your Bright Stash Account, based on your goals and your current finances. Whenever your finances shift, Bright adjusts automatically, moving less if it needs to. You can always adjust how much we move, too.To get you debt-free faster, we use the funds in your Bright Stash Account to make smart payments for you, always on time and always optimized to save you money.To build your savings faster, Bright moves funds automatically, when it makes sense for you--so you’re saving more regularly and, week by week, earning more interest.You can withdraw your funds at any time. They're always available to you.If your credit score needs a boost, Bright Credit Builder can make it happen. You can even pay your student loans with Bright. (Bright Credit Builder is a new feature, currently in beta, and is only available in select states now. Stay tuned!)Your Bright Plan is always working, so you can set it and forget it. And you're always in control - you can always adjust how much you want to pay off, how much you want to save, and how your investments should grow.
We are live! Download the Bright app from the App Store or Google Play. Connect your accounts and set your goals. It only takes a few clicks. Then let Bright get to work.
Your Bright Stash account is a secure financial account with funds up to $250,000 FDIC-insured secured by bank-level encryption. When Bright moves funds from your checking account, your funds are stored in your Bright Stash account. Bright uses those funds to make your card payments or to build your savings with Bright. You can always adjust how much Bright moves into your Stash account, and once they’re posted, you can withdraw them at any time, moving funds back to your checking account. “Bright Stash Account” has been previously called the “Bright Account,” which has all the same features and security.
Bright’s new patented A.I. system studies your income and spending habits and builds a personalized Bright Plan, finding the fastest, smartest way to pay off your debts, based on your finances and your goals. Your Bright Plan always pays the minimum due on every card you connect, always on time, but it pays more on the cards with the highest interest charges--so you’re always saving money too. You can set and adjust your own goals and your own pace at any time. Or you can rely on Bright’s AI to get things right. Upcoming Payments are always in view at the Home tab in the app.
In the app, you can pause Bright’s service whenever you want. During your pause period, we’ll stop moving funds into your Bright Stash Account. You always have full control over your money.
We based our calculations on the average US credit card APR of 21% in January 2020 (source: WalletHub). We then assessed the impact of paying an extra $25 per month towards your credit card balances over a 5-year period.We identified that most Bright customers could afford paying an extra $6 per week, or $25 per month, and that any interest savings could be reinvested in further paying down debt. This results in accelerating the pay-down and consequent interest savings.
Bright uses your bank and credit card information to learn about your personal finances, to design a Bright Plan that works best for you, and to connect to your accounts, so we can move funds and make your payments for you. Nothing else.We take extreme care with our customers' financial information. Bright has partnered with Evolve Bank and Trust, an FDIC-insured member. All payments are logged with the US Federal Reserve, so your money is safe and returned to you if there are any issues.
We support a wide range of approved banks and cards across the United States. If you don’t find yours yet, please reach out to us at email@example.com or our live chat. We will do our best to get it into Bright.
Bright supports most active and open credit cards with between 13-19 digits. Does your credit card fit this category? If it does and you are still facing an issue, please reach out via the live-chat window or drop us an email at firstname.lastname@example.org. We will try to fix this for you.
Please check your spelling. Typos or misspellings can throw off our search. If you still can't find it, we may not support the bank yet, but we're working to include it. If you have any questions, email us at email@example.com
Bright can help build your savings while also paying off your card debt. In the app, you can set your own savings goals, from a rainy day fund to personal milestones, like saving for tuition costs or a special vacation.Bright looks at your finances, including credit card payments, and calculates how much to save week by week. Your Bright Plan moves funds automatically, just like with your debt payments. Bright Savings accounts are a smart, automatic way to build your savings, and because we do it regularly, you're earning interest as you go.
Please contact our Customer Success team at firstname.lastname@example.org or via our live chat. They will help you immediately. In the app, you can cancel your membership at any time by clicking on Settings. You can also opt to Pause Bright for a period.
Our Live Chat agents are ready to help 24/7. You can also email us at email@example.com. We ensure a quick response within 12 to 24 hours, often even faster.
Yes. Bright currently works only with your credit cards.
Bright has a special service for boosting credit scores. Once you sign up, add Bright Credit Builder. We’ll set up a line of credit and make payments for you -- which automatically improves your payment history. It’s super easy. (Bright Credit Builder is a new feature, currently in beta, and is only available in select states now. Stay tuned!)
Bright can help you save more than you can on your own. Bright’s A.I. studies your spending habits, then moves funds week by week, based on your goals and your finances. The earlier you save, the sooner you start earning interest. Look for Savings in your Bright Plan.
No credit card is needed. Whether you connect a card or not, you can use Bright as a personalized financial plan to build your savings faster or start growing your own investment portfolio.
Rainy day saving is like a small safety net. It’s a special savings fund, with extra money when you need it, so you don’t have to rely on credit cards when you spend outside your monthly budget.
MoneyScience™ is a new patented system developed by Bright that blends data science with personal finance. Built on 34 algorithms by over 120 experts, it’s been tested on over 50,000 users. It helps everyone get debt-free and build more wealth. MoneyScience™ is the first technology to put the power of data science into everyone’s wallet. It is only available through Bright.
The Bright Plan is an AI-driven financial plan that delivers real results. It’s tailored to each user, based on their finances and their goals, and it runs automatically, finding the fastest, smartest way to pay off debts and build wealth. It’s a new, guided path to financial well-being.
Every Bright Plan has several advantages. First, your Bright Plan provides step-by-step priorities for your financial goals, from your credit cards to your savings, even including ways to achieve your target wealth - all organized to get you the fastest results. Then, with the path ahead defined, your Bright Plan works automatically to make each step happen, using our own A.I. system to move funds when it makes sense, always studying your finances and adapting whenever your needs shift. Your Bright Plan can pay off debts 8 times faster than most consumers can on their own. Your Bright can build your savings faster too, adding funds throughout each month, so you’re saving more regularly and start earning interest sooner. Your Bright Plan can also boost your credit score, help pay your student loans... and more. When you take full advantage, your Bright Plan can be a very smart, guided path to financial well-being.
Click on “Edit” to customize the order on your Bright Plan menu. Customize your menu’s order, so your own priorities are always visible first.
Click on “Activate” to start a new service or feature. For example, if you’re adding Bright Credit Builder, and you’re finished with the set up, choose “Activate” to launch the credit-building service.
Your Bright Stash Account is where we hold your funds before we put them to work, making debt payments, adding to your savings or growing your investment portfolio. “Stash” is an informal way of describing a specified place where something is safely stored.
At Bright, “Assets” refers to your savings funds accounts at Bright. Click on “Assets'' to review and add more. Choose individual accounts to add money to a fund or account or to see recent activity.
You can always add money to your Bright funds and accounts. Once you’ve clicked on the Assets tab, select the fund or account, then choose “Add Money.”
Click on the Assets tab, then choose “Add new.”
Bright starts with a free 10-day trial, which you can cancel at any time. When you sign up for Bright, you can choose from three membership plans. Our annual plan is $6.99 per month (billed at $83.88 once per year). Our six-month plan is $8.99 per month (billed at $53.94 twice a year). And our monthly plan is $14.99 (billed every 30 days from the end of your trial period). Bright also offers a money back guarantee upon your request.