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Rated 4.8# based on 158,700+ reviews on
4.8
117k reviews
4.8
59k reviews
Payoff debt smarter
AS FEATURED BY
FEAUTURED BY

Start with a Bright BalanceTransfer 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.

Build Credit

Your credit limit grows quickly with on-time payments.⁴

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 Builder¹

Our Secured Line of Credit helps you build payment history³
0% APR. No Interest fees.
Reported to major bureaus
No minimum credit score to apply
Build credit

Personalized Card debt pay-off plans

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

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

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

How it works

Apply for a Bright Account¹

A low-interest line of credit

Transfer balances from high-interest cards

Save up to $100s in interest fees²

Manage 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 166,957+ reviews#

24/7 live customer service

Start your debt-free journey

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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 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 Feb2023, 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 $858over 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.

‍4Users who make on time payments and are in good standing can be evaluated for credit limit increases (limit changes are subject to credit underwriting)

*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% -2999%, 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 August 2024.

Build credit history¹ with Bright Builder

Get $50 Loan. Make On Time Payments.
Report to top bureaus. Build credit history!
Get started
Rated 4.8^ on App Store & 4.7^ on Play Store
Payoff debt smarter
AS FEATURED BY

How it works?

Deposit & get a Secured Loan

Deposit at least $50 to receive a secured loan starting at $50, held in a Savings Account.

Make Monthly Payments

Pay the minimum amount due each month (either $10 or 50% of the outstanding balance).

Build Credit History

We report your on-time payments to Equifax and TransUnion, helping to build credit history.

Build Credit History. Manage 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

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 200,000+ users⁶

24/7 Live Chat Support

Build Credit History¹ and open doors to new opportunities

Get started
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. 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.

2. 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.


3. 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.


4. 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.

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



6. 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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