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Pay off debt up to 4x faster⁴
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Start with a Bright Balance Transfer today¹

Built for you

Tailored to your needs, your debt and your finances.

Fair rates

Get the low interest rate you deserve.
No paperwork. Fast approval.

Grows with you

Your credit limit grows quickly with on-time payments.⁵

Fix credit card debt for good

Consolidate high APR credit cards.¹

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

Build Credit with Bright Builder

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

Pay off cards up to 4x faster.⁴

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!
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How it works

Apply for a Bright Account¹

A low-interest line of credit

Transfer balances from high-interest cards

Save $100s in interest fees²

Knock out your credit card debt

Pay off cards faster

Changing lives every day.

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

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Rated 4.8 based on 80,000+ reviews*

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Banking services provided by Evolve Bank & Trust or CBW; Member FDIC.
2023 Bright Capital Inc.

¹ Products and services subject to state residency and regulatory requirements. Credit approval also depends on underwriting and is not guaranteed.

² Bright customers who qualify for a Bright line of credit can save interest fees by refinancing their high interest credit cards. Based on loans originated between 30 Sep 2022 and 16 Feb 2023, with average credit line ($2.6k) and average APR (16.4%), if an user uses all the funds to refinance their credit card debt (estimated avg APR of 23%), they can save approximately $858 over the next 5 years. Final interest savings may vary and are not guaranteed.

³ Payment may 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 Secured credit helps you build payment history that can positively improve your credit score. Of all Secured Credit customers, 19% saw an increase of over 60 points, and 50% improved scores by an average of ~39 points. The score was calculated between the point of origination and after 6 months for users that had remained with Bright Secured Credit.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.

⁴ Bright customers paid off their credit card debt 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.

⁵Users who make on time payments and are in good standing can be evaluated for credit limit increases (limit changes are subject to credit underwriting)

⁶300K+ users have reduced debt and build credit with Bright. Analysis done for users enrolled in Bright services since 2019.

⁷Bright users saved over $85M in credit card interest. Analysis done on users enrolled with Bright since Sep 2019.

* Based on Apple Appstore and Google Play store ratings as on March 2023.


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