Build credit history without a credit card.

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Get $50 Loan². Make On Time Payments.
Report to top credit bureaus. Build credit history!
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How to build credit history with Bright Builder?

1

Get a secured line today. 0% APR.

Make on-time payments every month. Simple.

2

Payments reported to 3 Bureaus.

All your payments are reported to all 3 Bureaus: Equifax, Transunion, Experian.

3

Build your Credit History. Get ahead.

Your credit score can improve and get you better financial products.

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Changing lives every day.

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

Why build credit history with Bright Money?

Get your payments reported to all 3 Bureaus

Rated 5-stars by 200,000+ users³

Simple setup to get started

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FAQs

What are the minimum requirements to apply for Bright Credit?
Will checking rates affect my credit score?
Is Bright Credit a Revolving line of credit or an Installment loan?
Can I use Bright Credit to pay down credit card debts from multiple issuers?
Can I continue to use my credit cards or does Bright Credit make me close my credit cards once they are paid off?
How is a Bright Credit different from a debt settlement loan?
Is any security deposit required to get Bright Credit?
How can I get approved for Bright Credit?
What can I use Bright Credit for?
Can I pay off or close my account anytime?
Yes
Do I need to pay interest fees?
No
Is there a hard pull on the credit report?
No
Do you report to Equifax and TransUnion?
Yes
Can I spend the loan funds immediately?
Yes
Is this a revolving line of Credit?
Yes
Do I need to provide a security deposit?
Yes
Can I access the funds for the security deposit?
No
Will Bright report both on time and missed payments to the Credit Bureaus?
Yes
Have more questions? Visit FAQs page

Build Credit History¹ and open doors to new opportunities

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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.

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. 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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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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