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We lend you $50 to
build credit history1 We lend you $50 to build credit history1

  • Get $50 loan. Make on time payments2
  • Report to top bureaus. Build credit history! Report to top bureaus. Build credit history!
Get started Get Started

Rated 4.8★ on App Store
& 4.6★ on Play Store

Bright loan offers app on a phone with money bag and coins

Why Build Credit History with Bright?

  • Built for you

    Tailored to customize your debt
    and your finances     Tailored to customize your debt and your finances

  • 0% APR

    Secured credit line at 0% APR
    starting at $502     Secured credit line at 0% APR
    starting at $502

  • Build credit history

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

Manage your credit card debt

  1. Loan offers
    up to $8,0003

    • Multiple loan offers matched to you
    • No score impact to check offers4
    • Sign up in a few clicks
    Apply Now

  2. Build credit history with Bright Builder2

    Our secured line of credit helps you build payment history

    • 0% APR
    • Reported to major bureaus5
    • No minimum credit score to apply
    Build credit history

  3. Personalized card debt pay-off plans

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

    Get your plan

  4. The app to manage your credit card debt

    Manage debt. Build credit history. AI powered budgeting and personalized money plans. And much more!

    Get started

You can trust Bright

  • Bright safeguards
    your data

  • Rated 5-stars by
    380,000+ users6

  • 24/7 Live
    Chat Support

Build credit history and open doors to new opportunities1

Get Started Apply Now

2026 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 loan offers are available through Bright Money’s Network Partners, subject to credit approval and applicable state restrictions. Loan amounts and terms vary. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. 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.

Privacy Policy | Terms of Use

1. Payment history has the biggest impact on your credit score, accounting for up to 40% of how the score is calculated, according to TransUnion ( source). Bright Builder helps you build payment history that may positively improve your credit score. Credit score increases are not guaranteed, and individual results may vary. Late payments, missed payments, or defaults on your accounts with us or others will negatively impact your credit score. Products and services are subject to state residency and regulatory requirements. Bright Builder is 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 loan offers are provided by third parties and are subject to credit approval and state-specific restrictions. Loan amounts, terms, and conditions may vary. By clicking to view offers, you will be redirected to third-party websites, which are solely responsible for their products, services, and website content. The inclusion of third-party products on the Bright Money platform does not constitute an endorsement or recommendation by Bright Money. Bright Money may receive compensation for referrals to these third-party products or websites. Please note that these products and services may not be FDIC insured or guaranteed by a bank. Review individual offers for applicable terms and conditions.

For more details, please see our full Loan Disclosures.

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 3 major credit bureaus, Equifax, Experian 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.

The product images shown are for illustration purposes only.