Bright - AI Debt Manager

Loan Offers of up to $10,000 in minutes. All Credit Scores can apply. Build Credit with Rent and Utilities. AI-powered Budget and Savings Tool. 1. Loan Offers of up to $10,000¹ with no impact on your score² to check
Multiple loan offers in minutes. Compare rates, terms, and fees from different lenders and choose the best offer for you. You can use the loan to pay off debts like your credit cards.

2. Rebuild Credit with $50(2)
Get a secured line of credit starting at $50(2) on the Bright App. Make on-time payments(2) monthly, get your payments reported to the credit agencies, and build credit.

3. Build Credit with Rent Payments
Build Credit with rent payments you already make(4). Get rewarded for paying rent on time. Get credit for up to 2 years of past rent payments.

4. Get personalized plans to repay credit card debt

The Bright App creates personalized payoff plans to repay credit card debt easily. Whether it’s for a long-due trip, a favorite car, a new house, or a happy retirement, Bright’s app guides you toward smart budgeting with your current income.

5. AI-driven Budget Plan tailored for you


6. Expert Tips to manage your money the smart way
Get access to expert finance guidance on the Bright App. Use Bright’s resources such as short articles, practical guides, and a comprehensive answer bank for all your money questions. Unlock a wealth of financial information to stay on top of your money.

7. Fast Sign-up, and 24*7days live chat support
Sign up on the Bright App in a few clicks.Get started with your personalized credit card debt management and credit building. 24*7 live customer chat support.

Access all this with the AI-powered Bright App at less than $10 per month(3)

Unlock Savings with our Exclusive Subscription Plans! Choose from different monthly plans based on your convenience:
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


For any queries at any point, email us at support@brightmoney.co or call us on
+1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)]

Join the community of 200,000+ satisfied customers who have experienced the benefits of the Bright App. The Bright App is rated 4.8(5) on the App Store.

(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
(2)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 a payment history that may positively improve your credit score. A 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 negatively affect your credit score. Products and services are subject to state residency and regulatory requirements. Bright Builder is currently not available in all states.

Secured line of credit with minimum deposit starting at $50. Credit Reporting to Equifax and Transunion is done by Bright Money. State Restrictions Apply. Credit score increase is not guaranteed, individual results may vary. Late payments or other defaults will have a negative impact on your credit score.
(3) Applicable when a user chooses annual or semi-annual plans
(4) Report your paid rent payments and build your credit with Bright. You can report up to 2 years of past and ongoing rent payments. Individual results may vary. Score improvement is not guaranteed. This is a paid service on top of Active Bright Membership and incurs a cost starting at $31 for up to 2 years of past reporting and $4pm for ongoing. For detailed information, please visit www.brightmoney.co/rent-reporting-policy.
(5) Based on Apple App Store store ratings as of September 2024