Consolidate high-interest credit card debt¹

No origination fees
No impact on credit score to check your rates²
Get started
Rated 4.8* based on 80,000+ reviews on
Payoff debt smarter
AS FEATURED BY

Start with a Bright Balance Transfer today¹

Built for you

Tailored to your needs, your debt and your finances.

No origination fees

No origination or pre-payment fees

Grows with you

Considered for credit limit increase with on-time payments³

Fix credit card debt for good

Consolidate high APR credit cards.

Use your Bright Account to pay off high-interest cards. We'll transfer funds for you...today!
Get your offer
No impact on your credit score

Boost your Credit Score up to 60 pts

Everybody needs a boost. Our Credit Builder is easy and safe with no hidden fees.
Build my score

Pay off cards up to 4x faster.²

Bright makes smart payments for you. Track your progress. All your cards in one place!

The only debt-crusher app you'll ever need.

Get debt-free faster. Save big while we're doing it. Start building for life after debt too!
Get started

How it works

Unlock your Bright Account

A low-interest line of credit

Transfer balances from high-interest cards

Save $100s in interest fees¹

Knock out your creditcard debt

Pay off cards faster - effortlessly

Bright wipes out debt.

Rated 4.8* based on 11,000+ reviews
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Changing lives every day.

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

You can trust Bright

Bank level 256-bit encryption

Rated 4.8 based on 15,000+ reviews*

24/7 live customer service

Start your debt-free journey today

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Banking services provided by Evolve Bank & Trust or CBW; Member FDIC. Products and services subject to state residency and regulatory requirements. Bright Credit and Bright Builder are not available in all states.
2023 Bright Capital Inc.

¹ Bright Credit is a line of credit that can be used to pay off your credit cards. Subject to credit approval. Variable APR range from 9% –29.99%, Credit Limit ranges from $500 - $8,000. APR will vary based on prime rates.  Final terms may vary depending on credit review. Monthly Minimum Payments are as low as 3% of the outstanding principle balance plus the accrued interest. Also, you can choose to pay more than the minimum due if you want to pay down the loan faster. Banking services provided by Evolve Bank & Trust; Member FDIC and CBW Bank, Member FDIC. Credit line originated by Bright or CBW Bank, Member FDIC. Products and services subject to state residency and regulatory requirements. Bright Credit is currently not available in all states.

² When you check your rates for Bright Credit we initiate a “soft pull” of your credit. This will NOT impact your credit score. If you’re approved and activate Bright Credit we may do a hard inquiry which may affect you credit score.
‍
³ Bright customers paid off their credit card debt up to 4x faster using Bright membership than they would by only paying their minimum dues. These customers included all users using Bright before Feb 2023, having a minimum of $500 credit card debt and having used Bright services for 1 year. Actual pay off rates may defer based on individuals.

³ Users who make on time payments and are in good standing are automatically evaluated for credit limit increases at least two times each year. Credit limit increases are not guaranteed.

Payment history has the biggest impact on credit score accounting for 40% of how score is calculated per TransUnion (https://www.transunion.com/credit-score). Bright Builder helps you build payment history that may positively improve your credit score. Credit score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will have a negative effect on your credit score. Products and services subject to state residency and regulatory requirements. Bright Builder is currently not available in all states.
* Based on Apple Appstore and Google Play store ratings as on May 2022.

^^ illustrative example. Specific results will vary.


‍

Start Balance Transfer with Bright today¹

Built for you

Tailored to your needs, your debt and your finances.

No origination fees

No origination or pre-payment fees

Grows with you

Considered for credit limit increase with on-time payments³

Manage credit card debt

BRIGHT CREDIT

Consolidate high APR credit cards.¹

Use your Bright Account to pay off high-interest cards. Transfer funds to your credit cards directly
Have more questions on Bright Credit?
BRIGHT BUILDER

Build Credit with Bright Builder⁴

Our Secured Line of Credit helps you build payment history
0% APR. No Interest fees.
Reported to major bureaus⁵
No minimum credit score needed
Build credit
Have more questions on Bright Builder?
BRIGHT PLAN

Personalized debt pay off plans

Bright makes smart payments for you. Track your progress. All your cards in one place!

Manage your credit card debt.

Start your debt free journey, build savings and payoff high APR credit cards.
Get started

How it works

Apply for a Bright Account¹

Affordable line of credit¹

Transfer balances from high-interest cards

Refinance high interest cards

Affordable monthly payments

You’re always in control¹

Changing lives every day.

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

You can trust Bright

Bank level 256-bit encryption

Rated 4.8 based on 80,000+ reviews*

Live customer service

No more debt-stress. Start today!

Get started
All loans are made by CBW Bank, Member FDIC, and Bright Capital Inc., NMLS (2410428), subject to state residency. Deposit accounts are provided by Evolve Bank & Trust or CBW Bank, Members FDIC. Bright is a financial technology company, not a bank. Bright Credit and Bright Builder are not available in all states.
2024 Bright Capital Inc.

¹ Bright Credit is a line of credit that can be used to pay off your credit cards. Subject to credit approval. Variable APR range from 9% –29.99%, Credit Limit ranges from $500 - $8,000. APR will vary based on prime rates.  Final terms may vary depending on credit review. Monthly Minimum Payments are as low as 3% of the outstanding principle balance plus the accrued interest. Also, you can choose to pay more than the minimum due if you want to pay down the loan faster.

² When you check your rates for Bright Credit we initiate a “soft pull” of your credit. This will NOT impact your credit score. If you’re approved and activate Bright Credit we may do a hard inquiry which may affect you credit score.

³ Users who make on time payments and are in good standing may be evaluated for credit limit increases (limit changes are subject to credit underwriting and approval). Evaluation and credit limit increases are not guaranteed.

⁴ Payment history has the biggest impact on credit score accounting for 40% of how score is calculated per TransUnion (https://www.transunion.com/credit-score). Bright Builder helps you build payment history that may positively improve your credit score. Credit score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will have a negative effect on your credit score.
‍
⁵Bright reports to Equifax and TransUnion for its credit products.

*Based on Apple Appstore and Google Play store ratings as on Feb 2024.

Get loan offers of up to $10,000¹

Multiple loan offers matched to you
No score impact to check offers²
Sign up in a few clicks
Get started
Rated 4.8^ on App Store & 4.7^ on Play Store
Payoff debt smarter
AS FEATURED BY

Benefits of Bright

Multiple Offers

Compare multiple loan offers from partners in minutes

Customized

Choose the best options customized to your need

No score impact to check eligibility²

Compare loan offers without affecting your credit score

Manage your credit card debt

Get loan offers of up to $10,000¹

Multiple loan offers matched to you
No score impact to check offers²
Sign up in few clicks

Build Credit History with Bright Builder³

Our Secured Line of Credit helps you build payment history
0% APR. No Interest fees.
Reported to major bureaus⁴
No minimum credit score to apply
Build credit history

Personalized Card Debt Pay-off Plans

Bright makes smart payments for you. Track your progress. All your cards in one place!

The app to manage your credit card debt

Get debt in control. Build credit histroy. AI powered budgeting and personalized money plans. And much more!
Get started

You can trust Bright

Bright safeguards your data

Rated 5-stars by 200,000+ users⁵

24/7 Live Chat Support

Get loan offers

up to $10,000¹

Apply Now
2025 Bright Capital Inc.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loans are made through Even Financial Corp and its network of financial partners who will determine if you are eligible for a loan independent of Bright. Deposit accounts are provided by Evolve Bank & Trust, Member FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust. Learn more here.  Bright is a financial technology company, not a bank.

When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.



1. Personal Loans are provided by Even Financial Corp and its network of financial partners, not by Bright or its partner Banks. Bright does not provide or guarantee any Third-Party Products or Services. To see Personal Loan offers or other offers by referral partners, you will leave Bright Money’s website and see offers provided by Third Parties. Third Parties providing these products or services are solely responsible for them, as well as content on their websites. The display on the Bright Money  platform of any Third-Party Product does not constitute a recommendation by Bright Money. Bright Money may receive compensation from third parties for referrals to these products or their website. These advertised products and services may not be FDIC insured or bank-guaranteed. Check individual offers for applicable restrictions or conditions that may apply.



2. With your authorization, a soft credit pull may be conducted to facilitate the offer process, but it will not affect your credit score. If after receiving your offer(s) you choose to apply for a loan directly with a lender, the lender may conduct a hard credit pull that can affect your credit score.

3. Secured line of credit with minimum deposit starting at $50. Loans provided by Bright Capital Inc., NMLS (2410428). Credit reporting to Equifax and TransUnion. State restrictions apply. Any credit scores, score changes, or improvements shown or inferred are estimates only. Credit score increase or loan approval is not guaranteed. Late payments or other defaults can have a negative impact on your credit score.

4. Bright reports payment history to 2 major credit bureaus, Equifax and TransUnion.



5. Bright uses standard industry practices to determine our customer satisfaction score. It's a metric used in all kinds of businesses to measure customer service and product quality. Businesses calculate their score by taking the number of satisfied customers (those who rated them 4 or higher) and dividing it by the total number of responses.

The product images shown are for illustration purposes only.