Pay off credit cards smarter

Don't get into more debt trying to pay off your cards. Bright helps you pay off balances 8 times faster.

Get Started
Get Started

How Bright works

1

Connect in a snap

Link your checking account, then add your credit cards, student loans, or any debt. It only takes a few minutes.

2

Set your own pace

Tell us which cards or debts to pay. And start with a pace that's comfortable for you - you can change it any time.

3

Get debt-free - automatically

Bright analyzes your finances, then moves money for you, paying off debts quickly. meeting your goals and saving you more. You pay less in interest - and never pay a late fee.

4

Take a Brighter path

Bright puts more money in your pocket than you can on your own. And the best part: A.I. does it all - automatically.

Secure a Brighter financial future

Pay off debt‍

Clear credit card debt faster

Grow your savings

Save for when you need it most

Start investing

Achieve financial stability

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

No data shared with third parties

24/7 live customer service

Start your debt-free life today

Get Started
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.

Pay off credit cards smarter

Don't get into more debt trying to pay off your cards. Bright helps you pay off balances 8 times faster.

Get started

How Bright works

1

Connect in a snap

Link your checking account, then add your credit cards, student loans, or any debt. It only takes a few minutes.

2

Set your own pace

Tell us which cards or debts to pay. And start with a pace that's comfortable for you - you can change it any time.

3

Get debt-free - automatically

Bright analyzes your finances, then moves money for you, paying off debts quickly. meeting your goals and saving you more. You pay less in interest - and never pay a late fee.

4

Take a Brighter path

Bright puts more money in your pocket than you can on your own. And the best part: A.I. does it all - automatically.

Secure a Brighter financial future

Pay off debt‍

Clear credit card debt faster

Grow your savings

Save for when you need it most

Start investing

Achieve financial stability

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

No data shared with third parties

24/7 live customer service

Start your debt-free life today

Tailored to your personal goals, Bright helps you pay off debt 8 times faster.

Get started
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.