Bright is a new debt-crusher app offering low-interest balance transfers, easy credit boosts, automated card payments and personalized plans for life after debt.
2 minutes to sign up
Once you download the Bright app, we’ll help connect your cards and checking account to Bright. It usually only takes a couple clicks.
You can always choose which cards to connect, but Bright works best when all your cards are linked. We’ll walk you through it when you sign up, and you can always add more later.
Bright Credit Builder
If your credit score is looking low, Bright Credit Builder offers an easy boost. We’ve helped thousands of users, increasing scores by as much as 60 points in 6 months. Here’s how it works: We’ll set up a small line of credit and use it for your credit card payments.
Month by month, you’ll pay back the line of credit in automatic re-payments, which we’ll handle for you, building a positive payment history. Your Credit Builder account also counts as available credit, which improves your utilization ratio, too. Both of those activities help boost your credit score -- and Bright does it all automatically.
Once you sign up for Bright, you can apply for Bright Credit Builder in the menu of your Bright Plan.
Bright Balance Transfer
Bright Balance Transfer offers a low-interest line of credit designed to pay off high-interest card debt. Bright uses funds from your Bright Balance Transfer to pay off your high-interest cards, moving those debts to our balance transfer program with its lower APR. With no credit check and instant approvals, you could qualify for as much as $8,000.
Bright automates your new repayments, too, building more positive payment history, which can help boost your credit score.
Bright Smart Assistant
With our Smart Assistant, Bright makes smart payments on all your cards, always on time, so you never pay a late fee, and you build a positive payment history, automatically.
When your payments are on time, your credit history gets healthy, and your credit score almost always goes up.
Bright also makes incremental payments throughout the month -- the kind of frequent payments that credit bureaus love and usually reward with a boost to your score.
Week by week, Bright saves from your checking account to make your payments. In fact, Bright studies your income and spending habits, then analyzes your credit card debt and other expenses to find the fastest, smartest way to get you debt-free.
You’re always in the loop
Whenever you reach a new milestone -- like a jump in your credit score or a credit card is cleared -- Bright sends you a notice or an email. We’ll keep you in the loop on the progress we’re making.
Build more savings, too
While we’re paying off your cards, Bright can build your savings faster, too. Week by week, Bright moves funds from your checking account to your Bright Savings account -- so you’re saving more regularly and reaching your goals faster.
You can set your own savings goals. Or let Bright set them for you. We like to start with an emergency fund and a rainy day fund. But you can also set up special saving pockets -- like a wedding, a vacation or a new car -- that help focus your savings, personalized for you.
How to get Bright