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Everything you need to manage debt

Name: Debt Pay-Off Plan
Brand: Bright Credit - Refinance Credit Card Debt
Rating: 5 (5 reviews)

Bright Plan

Get Started

Manage all money in one place

AI-driven plan^¹ to manage debt.^²

Step-by-step guide to manage debt and build savings.

Customized debt pay-off plan

Pay your cards and manage debt.

Bill reminders and payments all in the Bright App.

Full control of your money

Budgeting tools powered by AI.

See your income, expenses and available cash.

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. Bright Plan is intended for educational purposes only to help customers make decisions regarding the repayment of credit obligations. The Bright Plan does not constitute a recommendation for debt repayment, credit counseling, or credit servicing. Customers can modify or change the Plan as they wish.

2. Savings accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC.

3. 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 Plan services are provided by Bright Money.

The product images shown are for illustration purposes only.

Everything you need to manage debt

AI-driven plan^¹ to manage debt.^²

Pay your cards and manage debt.

Budgeting tools powered by AI.

All for less than
$10 a month!^³

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Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Everything you need to manage debt

AI-driven plan¹ to manage debt.²

Pay your cards and manage debt.

Budgeting tools powered by AI.

All for less than $10 a month!³

Products

Legal

Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources

AI-driven plan^¹ to manage debt.^²

All for less than
$10 a month!^³