Avoid late fees every year, & build savings
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Start with a Bright Balance Transfer today¹
Built for you
Fair rates
No paperwork. Fast approval.
Grows with you
Fix credit card debt for good
Consolidate high APR credit cards.¹
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Build Credit with Bright Builder
Pay off cards up to 4x faster.⁴
The only debt-crusher app you'll ever need.
How it works
Apply for a Bright Account¹
Transfer balances from high-interest cards
Knock out your credit card debt
Changing lives every day.
You can trust Bright
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Bank level 256-bit encryption
Rated 4.8 based on 80,000+ reviews*
24/7 live customer service
Start your debt-free journey today
Get started¹ 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.
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