Pay off debt smarter.

Snowball or Avalanche? Bright does them both better —and makes payments for you. Automatically.
Get 53% off
Rated 4.6* based on 3,532 reviews on
Payoff debt smarter
AS FEATURED IN

Looking to clear cards fast? Or save on interest charges?

Snowball or Avalanche? Bright does both better!
Target the lowest balance first
Or prioritize interest charges
Bright does the math and makes payments for you
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Want the best of both? But faster, with more savings?

Choose Bright's MoneyScience™. A new system of 34 algorithms that finds the fastest, smartest way to pay off your debt.
Pay off more cards faster
Save more on interest charges
Makes payments for you
Adapts as your finances shift
Let's do it

Secure a Brighter financial future

Pay off debt automatically

Manage all credit cards

Get an easy credit boost

Track your credit score instantly

Changing lives every day.

See how Bright users reached financial well-being. Watch their stories.

Bright works for everybody.

For every goal and every plan.
Get 53% off
Banking services provided by Evolve Bank & Trust; Member FDIC.
2021 Bright Capital Inc.

¹ 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.

² 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.

* Based on Apple Appstore and Google Play store ratings as on September 2021.

*53% off when paid annually.