Smart Round-Ups

Round-Ups
Refinance high-interest credit card debt1
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*illustrative example
Smart Round-Ups

How it works

We save & round-up your every day purchases automatically

For example - Your $3.25 coffee purchase becomes a $0.75 investment towards your goals with Bright. Bright will also make multiple smart savings of <$1 based on your budget. This is in addition to rounding up your every day purchases.

Your primary checking account may charge overdraft fees if you don't have enough funds to cover your Smart Round-Ups

For example - Your $3.25 coffee purchase becomes a $0.75 investment towards your goals with Bright. Bright will also make multiple smart savings of <$1 based on your budget. This is in addition to rounding up your every day purchases.

Your primary checking account may charge overdraft fees if you don't have enough funds to cover your Smart Round-Ups

Used to pay off your credit cards and activate Bright Builder faster

We’ll use your saved round-ups to pay off the credit cards connected and managed by Bright, build savings with Bright and activate Bright Builder (if applicable)

We’ll use your saved round-ups to pay off the credit cards connected and managed by Bright, build savings with Bright and activate Bright Builder (if applicable)

Access and manage your money from the Bright app

You can withdraw your saved round-ups from the Bright App. You can also stop or pause smart round-ups anytime. Your money is available to you, always.

You can withdraw your saved round-ups from the Bright App. You can also stop or pause smart round-ups anytime. Your money is available to you, always.

Check your rates for Bright Credit

Pay down your high interest credit cards
Check your rates

Know more about Smart Round-Ups

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?
No
Can I payoff or close my account early?
Yes
Can I pay more than my Monthly minimum payment?
Yes
Can I choose which credit cards to pay down?
Yes
Is this a revolving line of credit?
Yes
Is interest on outstanding balance calculated daily?
Yes
Are there any late payment fees?
No
Have more questions? Visit FAQs page