Delete Debt.
Boost your Credit.

Improve your credit score by paying off debt 8 times faster, automatically.

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Build a Brighter future

Pay off debt‍

Clear credit card debt faster

Boost your score

Build it with every payment

Start saving more

Hassle-free. Automatically

Users love Bright

Extremely Helpful
bradley.berry
10/15/2020

I haven’t sweated my credit card debt since the day I downloaded this app. My score has skyrocketed and some awesome new opportunities have come for my company Protect Mental Health because of Bright. Couldn’t be more grateful.

Reviewed on Appstore
Makes Bill paying easy!
oobhakeb
12/12/2020

I’m never late on my payments and my credit score has raised consistently. Takes the headache out of credit card payments.

Reviewed on Appstore
I’m broke yet my credit score is increasing
bradofo 11/21/2020

I don’t really have much money, but with these early credit card payments on my 3 credit cards, my credit score seems to be increasing. It’s all because I use bright to automatically pay my bills without having to even worry about it myself anymore. One less issue to stress over thank God.

Reviewed on Appstore

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FDIC-insured up to $250,000

Bank-level security with 256-bit encryption

24/7 live customer service

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Company
Legal
Help
Email: support@brightmoney.co
Talk to us: +1 8568326419
Banking services provided by Evolve Bank & Trust; Member FDIC.
2023 Bright Capital Inc
Up To 3x Faster with Bright - The average user pays off credit cards 3x faster with Bright as compared to not using the service. We calculated the estimates based on Bright’s records for users who enrolled between the range of 8th Dec 2019 and 4th March 2022. We compared how long it would take for a user to pay off their credit card debt if they had used the Bright Service to how long it would take for a user to pay off their credit card debt without Bright paying only their minimum payment. Actual pay-off rates will vary based on factors such as each user’s credit card APRs, the total payments made, and additional credit card charges

How does Bright calculate our average payment?

Bright calculates and makes payments using our MoneyScience™ system, which analyzes your debt and targets the card with the highest interest charges, while also making at least the minimum due on all your connected cards. Bright also studies your checking account balance, your spending habits; and your recurring bills and adjusts payments to your goals and what you can afford. Our average payment was last calculated in April 2021, using data for users who enrolled between January 2020 and March 2021 and assuming users weren’t adding to their debt over the projected period. Payments always vary between users, because Bright tailors payments to your individual finances, debts and goals.

How does Bright save money for users?
‍
One of the ways Bright saves money for our users is to lower the interest charges incurred while paying down debt. Bright’s MoneyScience™ system makes smart payments on your debts, making sure high-interest debt is paid down first, a method that lowers your interest charges. Bright also always pays at least the minimum due on all cards connected to Bright, making payments on time, so users also avoid late fees. When we calculate our users’ average potential savings, we use the difference between using Bright versus paying just the minimum due. We also assume users aren’t adding to their debt over the period we’re estimating savings. Average savings are calculated on an annual basis, and when we estimate lifetime savings, we use data for users who joined us between January 2020 and March 2021. The amount you save with Bright will vary based on several factors, including payments you make yourself, your credit card balances, APRs, other card charges and fees Bright can’t control, and other activities.

Delete Debt. Boost Credit.1

Improve your credit score by paying off debt 3x faster2

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A financial plan that helps payoff debt, build credit and grow savings

Pay off cards fast‍

A faster, smarter way to pay off
your credit cards

Boost your credit score

Boost your credit score by improving key factors that influence it

Build more savings

Bright helps meets your
savings goals, month after month

Users love Bright

Amazing app!
tmb471842, 10/16/2020

Already paid off 3 credit cards in 8 months with Bright! Winning!

Reviewed on Appstore
I'm debt free
Aeon33, 11/10/2020

Paid off $2,500 in debt without even worrying about it. Thanks, Bright.

Reviewed on Appstore
Great app!
ceelo00, 03/26/2021

It has been an excellent tool to get a couple of my credit cards paid down.

Reviewed on Appstore

You can trust Bright

FDIC-insured up to $250,000

Rated 4.8 based on 41,000+ reviews*

24/7 live customer service

Boost your credit now1

Improve your credit score by paying off debt 3x faster2.

Download App
Company
Legal
Help
Email: support@brightmoney.co
Talk to us: +1 8568326419
Banking services provided by Evolve Bank & Trust; Member FDIC.
2023 Bright Capital Inc
¹Products and services subject to state residency and regulatory requirements. Credit approval also depends on underwriting and is not guaranteed.

2Up To 3x Faster with Bright - The average user pays off credit cards 3x faster with Bright as compared to not using the service. We calculated the estimates based on Bright’s records for users who enrolled between the range of 8th Dec 2019 and 4th March 2022. We compared how long it would take for a user to pay off their credit card debt if they had used the Bright Service to how long it would take for a user to pay off their credit card debt without Bright paying only their minimum payment. Actual pay-off rates will vary based on factors such as each user’s credit card APRs, the total payments made, and additional credit card charges

* Based on Apple Appstore and Google Play store ratings as on December 2022.

How does Bright calculate our average payment?

Bright calculates and makes payments using our MoneyScience™ system, which analyzes your debt and targets the card with the highest interest charges, while also making at least the minimum due on all your connected cards. Bright also studies your checking account balance, your spending habits; and your recurring bills and adjusts payments to your goals and what you can afford. Our average payment was last calculated in April 2021, using data for users who enrolled between January 2020 and March 2021 and assuming users weren’t adding to their debt over the projected period. Payments always vary between users, because Bright tailors payments to your individual finances, debts and goals.

How does Bright save money for users?
‍
One of the ways Bright saves money for our users is to lower the interest charges incurred while paying down debt. Bright’s MoneyScience™ system makes smart payments on your debts, making sure high-interest debt is paid down first, a method that lowers your interest charges. Bright also always pays at least the minimum due on all cards connected to Bright, making payments on time, so users also avoid late fees. When we calculate our users’ average potential savings, we use the difference between using Bright versus paying just the minimum due. We also assume users aren’t adding to their debt over the period we’re estimating savings. Average savings are calculated on an annual basis, and when we estimate lifetime savings, we use data for users who joined us between January 2020 and March 2021. The amount you save with Bright will vary based on several factors, including payments you make yourself, your credit card balances, APRs, other card charges and fees Bright can’t control, and other activities.