2025 Bright Capital Inc.
Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loan offers are available through Bright Money’s 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 .
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. Personal Loan offers are provided by Bright’s , including Engine by MoneyLion, not by Bright or its partner Banks. You can apply for personal loans between $500 to $100,000 via the Bright app and Bright’s . Bright does not provide or guarantee any Third-Party Products or Services. Bright and its do not determine whether you are approved for a loan or the amount you may qualify for. Loan offers are subject to credit; you may not get the loan amount you applied for. All decisions regarding loan approval, terms, and funding amounts are made solely by the third-party lenders offering the loan products. To see Personal Loan offers or other offers by referral partners, you will leave Bright Money’s website and see offers matched by Bright’s . Third Parties providing these products or services are solely responsible for them, as well as content on their websites. The display on the Bright Money platform of any Third-Party Product does not constitute a recommendation by Bright Money. Bright Money may receive compensation from third parties for referrals to these products or their website. These advertised products and services may not be FDIC insured or bank-guaranteed. Check individual offers for applicable restrictions or conditions that may apply.
For more details, please see our full
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 your credit score, accounting for up to 40% of how the score is calculated, according to TransUnion (). 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.
4. Secured line of credit with minimum deposit starting at $50. Loans provided by Bright Capital Inc., NMLS (2410428). Credit reporting to Equifax 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.
5. Bright reports payment history to 2 major credit bureaus, Equifax and TransUnion.
6. 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.
7. When choosing an annual plan at $97 for 12 months, equal to $8.08 per month. Bright offers multiple plans and charges recurring fees of $14 per month for a monthly term, $39 for a three-month term, $68 for a six-month term, or $97 for an annual term.
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.
* Based on Appstore and Google Play store ratings as on August 2025.
The product images shown are for illustration purposes only.