Bright Credit

Refinance high-interest credit card debt1
Check your rates
*illustrative example

How it works?


Check your rate via the Bright App

Download the Bright app to start an application


Review and accept the offer

See your rate and credit limit


Choose which cards to pay down

You can refinance multiple cards up to your credit limit


Pay at least your monthly minimum payment

You can choose how much to pay each month above your monthly minimum payment


Refinance more of your credit card debt

As you pay down your balance you can choose more cards to payoff

Check your rates for Bright Credit

Pay down your high interest credit cards
Check your rates
Details about

Bright Credit Fees

Bright Credit is a revolving line of credit. Each month you choose how much to pay above your monthly minimum payment. The more you pay down the more you can balance transfer.

Credit limit
$500 - $8,000
APR (Annual Percentage Rate)
9% –29.99%*
(*Variable rates apply)
Application fee
Origination fees
Late fees
Prepayment fees
Monthly minimum payment
(of the outstanding principal balance plus the accrued interest)
Example minimum monthly payment calculation:
Credit limit
APR (Annual Percentage Rate)
Outstanding Principal Balance
Monthly Interest Accrual
Principal Repayment (3% of balance outstanding)
Monthly minimum payment
Check your rates

Know more about Bright Credit

What are the minimum requirements to apply for Bright Credit?
Will checking rates affect my credit score?
Is Bright Credit a Revolving line of credit or an Installment loan?
Can I use Bright Credit to pay down credit card debts from multiple issuers?
Can I continue to use my credit cards or does Bright Credit make me close my credit cards once they are paid off?
How is a Bright Credit different from a debt settlement loan?
Is any security deposit required to get Bright Credit?
How can I get approved for Bright Credit?
What can I use Bright Credit for?
Is there a hard pull on my credit if I check my rates?
Can I payoff or close my account early?
Can I pay more than my Monthly minimum payment?
Can I choose which credit cards to pay down?
Is this a revolving line of credit?
Is interest on outstanding balance calculated daily?
Are there any late payment fees?