Consolidate high-interest credit card debt

Save up to thousands of dollars.
Pay off debt 4x faster.²
No credit check to apply. Fast approval.
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Rated 4.8* based on 80,000+ reviews on
Payoff debt smarter
AS FEATURED BY

Loan offers up to $10,000¹

Multiple loan offers matched to you
No score impact to check offers²
Sign up in a few clicks
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Rated 4.8^ on App Store & 4.6^ on Play Store
Payoff debt smarter
AS FEATURED BY

Benefits of Bright

Multiple Offers

Compare multiple loan offers from partners

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

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

Build credit history with Bright Builder³

Our Secured Line of Credit helps you build payment history⁴
0% APR. No Interest fees
Reported to major bureaus
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. AI powered budgeting and personalized money plans. And much more!
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Changing lives every day.

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

You can trust Bright

Bright safeguards your data

Rated 5-stars by 300,000+ users5

24/7 Live Chat Support

Loan offers

up to $10,000¹

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2026 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 loan offers are available through Bright Money’s Network Partners, subject to credit approval and applicable state restrictions. Loan amounts and terms vary. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. 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 loan offers are provided by third parties and are subject to credit approval and state-specific restrictions. Loan amounts, terms, and conditions may vary. By clicking to view offers, you will be redirected to third-party websites, which are solely responsible for their products, services, and website content. The inclusion of third-party products on the Bright Money platform does not constitute an endorsement or recommendation by Bright Money. Bright Money may receive compensation for referrals to these third-party products or websites. Please note that these products and services may not be FDIC insured or guaranteed by a bank. Review individual offers for applicable terms and conditions.


For more details, please see our full Loan Disclosures.

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. Payment history has the biggest impact on your credit score, accounting for up to 40% of how the score is calculated, according to TransUnion (source). Bright Builder helps you build payment history that may positively improve your credit score. Credit score increases are not guaranteed, and individual results may vary. Late payments, missed payments, or defaults on your accounts with us or others will negatively impact your credit score. Products and services are subject to state residency and regulatory requirements. Bright Builder is not available in all states.

4. Bright reports payment history to 3 major credit bureaus, Equifax, Experian 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.

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