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The world’s first
AI Loan Assistant

Your smart way to better loans and credit cards.

Build credit history

Loan offers up to $10k

AS FEATURED BY

The credit you need,
powered by AI

Get access to Cash Advance offers and

Loan offers up to $10,000^¹

Multiple loan offers matched to you

No score impact to check offers²

All credit scores can apply

Build credit history with Bright Builder³

Build credit history, the smart way

Secured credit line starting $50 at 0% APR⁴

Reported to major bureaus⁵

Report monthly rent and bills

No minimum score needed to apply

Pay on time with one app

A payment system for all your cards

Manage all credit cards in one app

Pre-plan payments and stay equipped

Track spends and balances real-time

Based on your goals

A personal money
manager, powered by AI

Customized debt pay-off plan

Save spare change, build savings

Track balances, savings, and your progress

How to get out of debt?

Manage subscriptions

Build savings

Real humans. By email or chat.

One-on-one help, with 93% customer rating^⁶

Rated 4.8^ on App Store & 4.6^ on Play Store

The app for your money needs!

All for less than
$10 a month!⁷

Get Started

Bright values your trust &
safeguards your data

With world-class security

You're entrusting Bright with your data, and we take that responsibility very seriously.
That's why we have built a data infrastructure that keeps your data safe. The highest information security and privacy standards are a part of our product and company's integrity. Your information is secure with us.

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. Personal loan offers are provided by third parties and are subject to credit approval and state-specific restrictions. Loan amounts, terms, and conditions may vary. By clicking to view offers, you will be redirected to third-party websites, which are solely responsible for their products, services, and website content. The inclusion of third-party products on the Bright Money platform does not constitute an endorsement or recommendation by Bright Money. Bright Money may receive compensation for referrals to these third-party products or websites. Please note that these products and services may not be FDIC insured or guaranteed by a bank. Review individual offers for applicable terms and conditions.

For more details, please see our full Loan Disclosures.

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 (source). 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.

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 September 2025.

The product images shown are for illustration purposes only.

The world’s first
AI Loan Assistant

The credit you need,
powered by AI

Loan offers up to $10,000^¹

Build credit history, the smart way

A payment system for all your cards

A personal money
manager, powered by AI

One-on-one help, with 93% customer rating^⁶

All for less than
$10 a month!⁷

Bright values your trust &
safeguards your data

Our Products

Legal

Resources

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E-MAIL

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

Our Products

Legal

Resources

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

The world’s first AI Loan Assistant

The credit you need,powered by AI

Loan offers up to $10,000¹

Build credit history, the smart way

A payment system for all your cards

A personal moneymanager, powered by AI

One-on-one help, with 93% customer rating⁶

All for less than$10 a month!7

Bright values your trust & safeguards your data

Our Products

Legal

Resources

ADDRESS

E-MAIL

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

Our Products

Legal

Resources

The world’s first
AI Loan Assistant

The credit you need,
powered by AI

Loan offers up to $10,000^¹

A personal money
manager, powered by AI

One-on-one help, with 93% customer rating^⁶

All for less than
$10 a month!⁷

Bright values your trust &
safeguards your data