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You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

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You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

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You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

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Bright Credit

Credit
Refinance high-interest credit card debt¹
Bright no longer offers Unsecured Lines of Credit (Bright Credit) to new customers, either directly or through partner banks. Please check back from time to time if we update our product offering and resume offering this service to new customers.

Bright will continue to service existing customers and there will be no changes to how your loan is serviced. The details below are for reference for existing customer only.
*illustrative example

How it works?

1

Check your rate via the Bright App

Download the Bright app to start an application

2

Review and accept the offer

See your rate and credit limit

3

Choose which cards to pay down

You can refinance multiple cards up to your credit limit

4

Pay at least your monthly minimum payment

You can choose how much to pay each month above your monthly minimum payment

5

Refinance more of your credit card debt

As you pay down your balance you can choose more cards to payoff

Check your rates for Bright Credit

Pay down your high interest credit cards
Check your rates
Details about

Bright Credit Fees

Bright Credit is a revolving line of credit. Each month you choose how much to pay above your monthly minimum payment. The more you pay down the more you can balance transfer.

Credit limit
$500 - $8,000
APR (Annual Percentage Rate)
9% –29.99%*
(*Variable rates apply)
Application fee
$0
Origination fees
$0
Late fees
$0
Prepayment fees
$0
Monthly minimum payment
3%
(of the outstanding principal balance plus the accrued interest)
Example minimum monthly payment calculation:
Credit limit
$5,000
APR (Annual Percentage Rate)
12%
Outstanding Principal Balance
$5,000
Monthly Interest Accrual
$50
Principal Repayment (3% of balance outstanding)
$150
Monthly minimum payment
$200
Check your rates

Know more about Bright Credit

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?
Is there a hard pull on my credit if I check my rates?
No
Can I payoff or close my account early?
Yes
Can I pay more than my Monthly minimum payment?
Yes
Can I choose which credit cards to pay down?
Yes
Is this a revolving line of credit?
Yes
Is interest on outstanding balance calculated daily?
Yes
Are there any late payment fees?
No
Have more questions? Visit FAQs page