Bright Money - AI Debt Manager

Bright Money

4.6

Loan offers of up to $10,000(1) with no impact on your score(2). All credit scores can apply.

2. Build credit history with Bright Builder(3)
Get a secured line of credit starting at $50. Make on-time payments(3) monthly, and get payments reported to the credit bureaus

3. Build credit history with monthly rent payments
Get rewarded for paying rent on time(4). Get credit for up to past 2 years of rent payments.

4. Customized debt pay-off plan with Bright Plan
Whether it’s a long-awaited trip, a favorite car, a new house, or a happy retirement, the Bright App guides you toward a smart debt repayment plan and budgeting with AI.

6. Expert tips to manage your money
Use Bright’s resources: articles, practical guides, and a comprehensive answer bank for all your money questions.

7. 24*7 live chat support
Email us at [email protected] or call us on
+1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)]

Unlock savings with subscription plans!
12-Month Plan - $97 billed annually (Save 15% compared to monthly billing)
6-Month Plan - $68 billed every 6 months
3-Month Plan - $39 billed every 3 months

1. Personal loan offers of up to $10,000 are made through Even Financial Corp and its network of financial partners who will determine if you are eligible for a loan. Subject to credit approval and state restrictions. Not all applicants will qualify for the full loan amount, advertised rates or terms. See brightmoney.co for more information. Bright Money shows loan offers via MoneyLion on our marketplace, with repayment terms ranging from 12 to 84 months and APRs from 5.99% to 35.99%. Example- if you receive a $10,000 loan with a 60-month term and a 16.21% APR, your required monthly payment would be $244.30 ($135.09 Principal + $109.21 Interest). Assuming all 60 payments are made on time, the total amount paid would be $14,657.87.

2. 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.

3. Payment history has the biggest impact on Credit Score, accounting for 40% of how the 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.
4. Bright reports customer rent history to TransUnion and Equifax credit bureaus. Please note that credit score improvement is not guaranteed, and individual outcomes may vary. Late payments, missed payments, or other defaults on accounts with Bright or other creditors may negatively impact your credit score. Bright does not control credit score calculations, as they are determined independently by the credit bureaus.

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. 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.

Publisher Country	US
Country Release Date	2020-08-31
Categories	Finance
Country / Regions	US
Developer Website	Bright Money
Support URL	Bright Money
Content Rating	Everyone

94.00K+

By Kait CK
2025-05-28
Version 1.52.1
Battery UsageSpending
Just started using the app today, seem helpful so far....editing my review as I had no idea the account automatically enrolls you into a $97 premium membership. was shocked to see the charge come out of my bank account, and am not able to afford it. I immediately canceled the membership, but it say it will remain active until 2026. Def seems like a misleading sign up process.
By Michelle Casey
2025-04-24
Version 1.51.1
Love itPayment and BillingStrenuousness
Bright Money is a fantastic tool for anyone serious about tackling debt and boosting their credit score. The automated payment system takes the stress out of managing multiple credit cards, and the AI-powered insights offer a clear path to becoming debt-free faster. I especially appreciate the credit builder feature, which has already shown positive results for my credit. It's like having a personalized financial assistant right in your pocket!
By Reahannon Williams
2025-04-04
Version 1.51.1
Spending
Bright has been a surprisingly helpful tool in my journey to build credit and tackle debt. What I appreciate most is the automation. Setting up the auto-payments and letting Bright's algorithm figure out the optimal way to pay down my debts has taken a significant mental load off my shoulders. The credit builder feature has also been a positive. While I haven't seen massive jumps in my score overnight, the consistent, responsible payments facilitated by Bright are definitely contributed