Achieve financial freedom with Bright

Tailored to you, Bright delivers a step-by-step plan -- and moves money for you. Automatically.
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Rated 4.6* based on 7,000+ reviews on
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A new, smarter app for financial freedom.

Delete debt faster.
Get an easy credit boost.
Start building more wealth. Automatically.
Get my personalized plan

Introducing Bright Plan, powered by MoneyScience™.

The world's best app for getting debt free!
Get my Bright Plan

Easy set up.

Connect in 2 minutes and set your own goals.

Runs automatically.

Bright's MoneyScience™ moves money when it makes sense for you.

Makes smart card payments.

Never pay another late fee. And get debt-free faster. Automatically.

Builds saving automatically.

Bright builds your savings regularly, so you hit your goals faster.

A step-by-step plan.
Tailored to you.

Bright studies your finances, learns your goals, then moves money when it makes sense for you.

Your Bright Plan even adapts as you go, automatically!
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1000s of Bright users are raising their financial game. Join us!

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Secure a Brighter financial future

Powered by MoneyScience™, Bright is the world’s best app for paying off debt and reaching your goals.

Pay off cards faster

A smarter, faster way to get debt-free

Build more savings

Save more regularly, automatically

Get a personal plan.

Based on your goals, adapting as you go

Changing lives every day.

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

Want to learn more?

What is Bright?
How does Bright work?
What is the Bright Plan?
What are the advantages of the Bright Plan?

Bright works for everybody.

For every goal and every plan.
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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.

**Individual results may vary