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.

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.



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