Pay off all your credit cards with one app.

Bright pays off cards faster. Always on time. Goodbye late fees.
Get started now
Rated 4.8* based on 15,000+ reviews on
AS FEATURED BY

A new easy app to get debt-free fast

Set up in 2 minutes. Bright makes payments for you!
$744 avg user savings
Bright does the hard math
Set your own pace
Delete my debt

Get debt-free faster with the power of MoneyScience™.

Delete my debt

Smarter payments

Bright studies your debt - APRs, balances and interest charges - and adjusts your payments. Automatically.

Always on time

Never pay another late fee. And no more juggling due dates. Bright makes payments for you.

Debt-free faster

From minimum dues to balance pay-offs, Bright finds the fastest way to get you debt-free.

Snowball or Avalanche?

Choose your favorite pay-off method. Or rely on Bright's MoneyScience™ and get debt-free even faster.

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.

1000s of users have achieved financial freedom with Bright. Join us!

Get Bright!

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?
Can Bright help my credit score?
How much does Bright cost?

Bright works for everybody.

For every goal and every plan.
Get started now
Banking services provided by Evolve Bank & Trust; Member FDIC.
2022 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 May 2022.

**Individual results may vary

*Illustrative example. Specific results will vary

*Performance stats are illustrative examples. Results will vary.