Avoid late fees every year, & build savings

Consolidate high-interest credit cards¹
Get $500- $8,000* unsecured loan
Avoid late fees with AI powered Bright Plan
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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.

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!
Get your offer
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.

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

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.

You can trust Bright

Bank level 256-bit encryption

Rated 4.8 based on 80,000+ 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.
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.

* 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. 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.

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



Personal 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
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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

How it works?

Choose the personal loan amount

Select the amount you want to borrow, up to $10,000.

Check eligibility for the loan

Share some details for eligibility check. It will not impact score².

Review and accept the offer

Once qualified, see and confirm the rate.

Get it credited to your account

Once approved, get the loan amount credited.

Know more about Personal Loans

Are Personal Loans provided by Bright?

What loan amounts can I apply for?

How can I check my offers?

What personal loans are best for people with bad credit?

What factors should I look at when considering a loan?

You can trust Bright

Bright safeguards your data

Rated 5-stars by 200,000+ users³

24/7 Live Chat Support

Up to $10,000

Personal Loans Offers¹

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. 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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