FREE

Bright Basic

Get started

Card Manager

Manage all your cards from Bright

Score Builder: Bill reporting

Report your cell, power, gas and water bills to build credit^¹

Debt Paydown Plan

Step by Step plan to get out of debt

Score Tracker and Monitoring

Track and monitor your credit score

AI Assistant

Personalized money decisions powered by AI

24x7 Chat Support

Resolve any queries with the Bright Support team

paid

Bright Premium

$8.08/mo

$97 billed annually

Get started

Card Manager

Manage all your cards from Bright

Score Builder: Bill reporting

Report your cell, power, gas and water bills to build credit^¹

Debt Paydown Plan

Step by Step plan to get out of debt

Score Tracker and Monitoring

Track and monitor your credit score

AI Assistant

Personalized money decisions powered by AI

24x7 Chat Support

Resolve any queries with the Bright Support team

Rent Reporting

Report your rent payments to build credit^¹

Get Started

MONTHLY REPORTING

$4/Month

PAST REPORTING

$35/One time

Find the Perfect Plan for You

Pick the plan that fits your financial goals and start your journey with Bright Money today!

Maximum Boost Plan

12 Months Plan

HIGHEST IMPACT

46% OFF

$8.08/mo

$97 billed

Medium Boost Plan

6 Months Plan

24% OFF

$11.33/mo

$68 billed

Starter Plan

3 Months Plan

13% OFF

$13.00/mo

$39 billed

Want to know more about cancellation and refunds on membership. See our FAQs.

Know more about Bright Membership

What are the minimum requirements to apply for Bright Credit?

To be eligible to apply for Bright Credit:
- You must be at least 18 years old
-You must have a valid Social Security Number
-You must reside in a state that we’re licensed to lend in
-We take into account a variety of credit factors but you generally need at least a fair credit rating

Meeting these requirements does not guarantee approval for our credit line.

Will checking rates affect my credit score?

No, checking your rates does NOT impact your credit score. When you apply for Bright Credit, we only initiate a “soft pull” of your credit report.

Is Bright Credit a Revolving line of credit or an Installment loan?

Bright Credit is a revolving line of credit. You can continue to use Bright Credit even if you have paid it off once before and can draw down up to the credit limit as frequently as you like.

Can I use Bright Credit to pay down credit card debts from multiple issuers?

Yes, you can use Bright Credit to pay down multiple credit cards.

Once your Bright Credit application is approved & you decide to accept the offer, to pay down your cards, you just need to select which cards and how much you want to pay down with Bright Credit and we will directly send the funds to your cards.

Can I continue to use my credit cards or does Bright Credit make me close my credit cards once they are paid off?

Yes. You are free to continue using your credit cards after you have used Bright Credit to pay them down.

How is a Bright Credit different from a debt settlement loan?

Debt settlements are typically where a law firm or other agency negotiates your debt with your creditors. This will likely result in the closing of your accounts and your creditors will highlight the debt settlement on your credit report. This could affect your ability to get future loans and may increase your rates on those loans for which you are approved.

Bright does not negotiate with your creditors and we do not require you to close your cards. You can keep using your cards even after paying them off with Bright Credit. Bright Credit is a line of credit you can use to pay off your credit cards.

Is any security deposit required to get Bright Credit?

No, Bright Credit is an unsecured line of credit that does not require any security deposit.

How can I get approved for Bright Credit?

We review many aspects of your credit history to determine if you are approved for Bright Credit. The following are some of the factors that may be considered when reviewing your application.

-FICO® score - which summarizes your credit history.
-Delinquencies - Any payments you owe and have not currently paid.
-Your debt-to-income ratio - which compares how much you owe each month to how much you earn.
-The age of credit history - this is the total length of time you've been using credit.
-Any open and satisfactory trades - these are the lines of credit which you've opened and have made payments on time.
-Your utilization - this is the ratio between your available credit and the current balances you have on your credit cards.

What can I use Bright Credit for?

You can use Bright Credit to refinance your credit card debt. If the interest rates on your credit cards are very high, you can pay them off with Bright Credit and you can save interest fees*.*Individual results may vary.

What is Bright Membership? What are the benefits of Bright Membership?

Bright Membership includes credit monitoring, card manager, budget planner, debt paydown plan and credit building solutions via rent and bill reporting.

How much does Bright Membership cost?

The premium tier for Bright Membership costs less than $10 a month (for the annual plan). There are different monthly plans for the premium membership.

12M Plan - $97 billed annually
6M Plan - $68 billed every 6 months
3M Plan - $39 billed every 3 months

Are there different plans for Bright Membership?

Yes, there are two variants of Bright Membership - Basic and Premium.

Premium Membership includes features such as credit monitoring, card manager, budget planner, debt pay-down plan and credit building solutions via rent and bill reporting. There are different monthly plans for the premium membership.

12M Plan - $97 billed annually
6M Plan - $68 billed every 6 months
3M Plan - $39 billed every 3 months

Basic Membership offers you features like “All your cards in one place” and the ability to pay your connected credit cards through Bright. Basic Membership is Free but fees may apply for keeping a non-zero balance in Basic Membership; please refer to Terms and Conditions for more information.

Is there a free version of Bright Membership?

Yes, there is a free version of Bright Membership called “Basic”. Basic Membership offers you features like “All your cards in one place” and the ability to pay your connected credit cards through Bright manually.

Fees may apply for keeping a non-zero balance in Basic Membership; please refer to Terms and Conditions for more information.

How can I see details about my membership?

You can log in to the Bright App and navigate to Settings → Account Info → Membership to see details about your membership.

You can also contact Bright’s customer service to see details about your membership.

Please reach out to Bright’s Customer Support via:

24x7 Chat support: Through your Bright Money App
Email: Write to us at support@brightmoney.co
Phone: Call us at +1 (877) 274-6494

How can I cancel my Bright Membership?

You can log in to the Bright App and navigate to Settings → Account Info → Membership → Cancel Membership to cancel your Bright Membership.

You can also contact Bright’s customer service to cancel your Bright membership.

Please reach out to Bright’s Customer Support via:

24x7 Chat support: Through your Bright Money App
Email: Write to us at support@brightmoney.co
Phone: Call us at +1 (877) 274-6494

How can I request a refund for my Bright membership fee?

You can initiate a refund request by using the following link: Request Refund

Before you use the link, please ensure the following:

Update your Bright App to the latest version.
Log in to the Bright App on your mobile device (the refund link does not work on the website).

If you’re unable to access the app or the refund link, please reach out to our Customer Support team via Live Chat in the Bright app or website, or email us at support@brightmoney.co for assistance.

How long does it take to receive my refund?

Refunds typically take 3-5 business days to process, depending on your bank and the status of your Membership transaction. All refunds are subject to Bright’s refund verification process.

What if I face an issue with the refund process?

If you encounter any issues, you can reach out to our Customer Support team via Live Chat in the Bright app or website, or email us at support@brightmoney.co. We are here to help ensure a smooth refund experience.

Under what circumstances will my refund request be denied?

Refund requests may be denied if:

The refund request falls outside Bright’s policy terms.
The membership transaction failed or was not successfully processed.

Will I receive a refund if my subscription charge is pending?

For pending subscription charges, escalation refunds may be initiated upon review. Contact our Customer Support team if you believe this applies to your situation.

How do I track my refund status?

You can track the status of your membership fee refund request using the following link: Track Refund Status. For further status updates, please contact Customer Support through the app.

Have more questions? Visit FAQs page

Real results with Bright

Bright Basic

Card Manager

Score Builder: Bill reporting

Debt Paydown Plan

Score Tracker and Monitoring

AI Assistant

24x7 Chat Support

Bright Premium

Card Manager

Score Builder: Bill reporting

Debt Paydown Plan

Score Tracker and Monitoring

AI Assistant

24x7 Chat Support

Rent Reporting

Find the Perfect Plan for You

Build your path to defeat debt

Know more about Bright Membership

All for less than $10 a month!^²

Real results with Bright

Bright Basic

Card Manager

Score Builder: Bill reporting

Debt Paydown Plan

Score Tracker and Monitoring

AI Assistant

24x7 Chat Support

Bright Premium

Card Manager

Score Builder: Bill reporting

Debt Paydown Plan

Score Tracker and Monitoring

AI Assistant

24x7 Chat Support

Rent Reporting

Find the Perfect Plan for You

Build your path to defeat debt

Know more about Bright Membership

What is Bright Membership? What are the benefits of Bright Membership?

How much does Bright Membership cost?

Are there different plans for Bright Membership?

Is there a free version of Bright Membership?

How can I see details about my membership?

How can I cancel my Bright Membership?

How can I request a refund for my Bright membership fee?

How long does it take to receive my refund?

What if I face an issue with the refund process?

Under what circumstances will my refund request be denied?

Will I receive a refund if my subscription charge is pending?

How do I track my refund status?

All for less than $10 a month!²

All for less than $10 a month!^²