Key takeaways
- Brigit is a financial health app with many features to help users manage their money. It offers budgeting tools, bill notifications, lists of jobs, and easy ways to earn cash.
- Users can get instant cash advances up to $250 when needed. The cash advances are easy to qualify for, have few fees, and no credit check.
- The fintech app also provides credit builder loans helping users improve their score for as little as $1 per month.
Have you been searching for a cash advance app that does a little bit more? Then you are in luck because today we are going to tell you all about Brigit. The financial health app provides quick and easy cash advances to the tune of $250, gives budgeting insights, offers credit-building features, and helps you earn more.
Brigit is a user-friendly app here to help you with all your financial needs.
Let’s talk a bit more about what they offer.
Get Instant Cash
Over 4 million users trust Brigit to get them cash when they need it most. Brigit provides $50-$250 cash advances with no credit checks, no interest charges, no late fees, and no tipping. The ability to request as little as $50 per cash advance means you never feel pressured to take an advance bigger than you need!
To get an instant cash advance and unlock other fun features you do need to subscribe. The monthly fee for Brigit Plus is $9.99 while Brigit Premium is $14.99 per month. If you use the budgeting and credit-building tools too then the subscription is well worth the price.
Here’s How Brigit’s Instant Cash Works
Sign up for Brigit and connect your checking account.
Request an advance and set a repayment date.
Get your cash.
Repay your cash advance and request another.
Cash advances are typically repaid with your next paycheck. If you need an extension, you can easily select a new due date in the app. Brigit never charges late fees. You do have to repay your first advance before you can take out another. Additionally, Brigit tries not to overdraw your bank account. If your repayment is due and you have insufficient funds, they offer a partial repayment option or a chance to request an extension.
Qualify for a Cash Advance
Brigit’s cash advance eligibility requirements are simple. Your connected bank accounts must:
- Be active for at least 60 days
- Have a balance greater than $0
- There must still be money in the account at the end of the day on payday
- Have three recurring direct deposits from a single source, like an employer.
Download the app, connect your bank account, and Brigit will review it and give you a score from 0 to 100. This is referred to as your Brigit score. Your Brigit score is used instead of your credit score when determining cash advances and credit builder loans. You need a score of 40 or higher to get an advance. And if you don’t make the cut, Brigit will tell you how to improve your score.
Auto Advance
Brigit will also send you an infusion of cash if it detects that your bank account is low and you may overdraw it. Banks typically charge $35 per overdraft, which can add up fast. Brigit’s Auto Advance feature is an easy way to avoid pesky overdraft charges. Since its launch, the cash advance app has saved members $750 million.
Fees
Brigit’s Express Transfers will have cash in your account in minutes! Otherwise, you’ll have to wait 2-3 business days but it’s free. Express Transfers cost $1.99-$4.99 depending on how much the advance is for. Brigit waives the express fee for Premium members, so if you find yourself needing cash fast frequently, it might be worth the subscription.
Great Experience
“Brigit is the best instant cash advance that I have received. The fess are relatively low and if you are consistent with paying your loan back on time, may have the option to extend your payment. Brigit has definitely been a help to me when I’m short on cash 😍” Gretchen Kindle, Trustpilot ReviewEarn & Save
Brigit understands that every little bit extra can make a significant difference in your financial well-being. That’s why they’ve created the “Earn & Save” section, a comprehensive resource designed to help you boost your income and savings effortlessly. Whether you’re seeking the best side gigs that fit your schedule or looking for full-time employment opportunities, Brigit’s in-app job board has got you covered.
But that’s not all—Brigit offers more ways to earn from the comfort of your home. If you want to relax and still make some extra cash, you can participate in surveys, play games, and engage in other rewarding activities directly through the app. With these diverse options, Brigit ensures that earning and saving money is as convenient and accessible as possible.
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Read about 5 paycheck advance apps that will help you bridge the gap and get you paid early.
Credit Builder Loan
Building your credit can be difficult. It takes credit to build credit. The problem is, if you can’t get a credit card, how can you show that you’ll be responsible and pay on time?
Brigit understands this and created a credit builder loan for just that reason. Brigit’s credit builder loan comes with no credit check, no upfront deposit, and no interest charges! They also offer affordable monthly payments starting as low as $1 you can fit it into your budget.
What is a Credit Builder Loan?
A credit builder loan isn’t like a regular loan. You don’t get the money upfront. Instead, you make monthly payments into a secured savings account till you pay off the loan. All your payments are reported to the credit bureaus helping raise your score. Once the loan is paid off in full, you get the money.
New
Get Started Building Credit
Open a Credit Builder account.
Choose how much you want to save each month.
Make payments and build a positive payment history.
Pay off the loan, get your money, and a better credit score.
When you open a Credit Builder account, Brigit will arrange a credit builder installment loan for you with Coastal Community Bank, Member FDIC. Brigit determines the amount and loan term (12 -24 months) depending on your credit score. You do not have access to the Credit Builder Installment loan. Instead, the funds are reserved for you in a secured deposit account.
You make payments of $1-$50 towards the loan. Pay whatever you can afford to. Brigit reports your payments to the three major credit bureaus – Equifax, Experian, and TransUnion. On-time payments are the single most important factor in determining credit scores. So paying off the loan should boost your score. Late payments though can damage your score, so be sure to pay on time.
While you don’t have access to the loan, you do have access to any money you’ve paid towards the loan.
At the end of your term, the loan is reported as paid in full. All the money you’ve paid towards the loan is now yours.
If you need to cancel the loan for any reason, you can easily do so. Brigit will report the loan as paid in full and all the money you’ve saved is yours.
Brigit’s credit builder loans are an easy and affordable way to boost your score and save money. You do have to pay for a subscription to access the loans.
Love Credit Builder
“I initially got Brigit for its cash advances, and I was iffy about the $10/mo subscription, but they don’t have extra fees on repayment or forced “optional” tips like a lot of these apps do. What I really love is the credit builder. You choose what you pay monthly and it only affects what you get back at the end. This is a great way to passively build my credit without having to deal with high APRs and interest from loans or more credit cards. This saves me a lot in the long run. Worth it.” Haley Smith, Google Play ReviewCredit Monitoring and Identity Theft Protection
Brigit offers robust credit monitoring and identity theft protection services to ensure your financial security. When you sign up for Brigit, you gain access to tools that actively monitor your credit report and alert you to any significant changes, helping you stay informed about your credit status. This proactive approach allows you to catch potential issues early and take necessary steps to protect your credit score.
In addition to credit monitoring, Brigit provides comprehensive identity theft protection. This service safeguards your personal information by constantly scanning for any signs of suspicious activity or potential breaches. If any threats are detected, Brigit alerts you immediately and offers guidance on how to respond effectively.
With Brigit’s credit monitoring and identity theft protection, you can have peace of mind knowing that your financial health and personal information are vigilantly protected. This added layer of security helps you focus on your financial goals without worrying about unforeseen threats.
Finance Helper
If you are looking for financial guidance, Brigit has your back with their Finance Helper feature. When you sign up for an account, you gain access to a free plan that provides clear and uncomplicated financial insights tailored to your needs.
With Brigit’s Finance Helper, you can delve deeper into your spending habits, allowing you to understand where your money goes each month. It helps you keep track of all your bills, notifies you about due dates, and offers personalized budgeting tips that work for your unique situation. This way, you can manage your finances confidently and efficiently.
Brigit’s Finance Helper also excels in tracking seasonal spending and monitoring your subscriptions, helping you avoid unnecessary costs.
By consolidating all your financial management tools in one place, Brigit ensures you have the support you need to stay on top of your finances and make informed decisions.
Yay You Guys
“so convenient! I forgot I had a bill due this morning (4am alert from my calendar! thank you technology lol) and didn’t have the $39.99 and Brigit INSTANTLY deposited $50 in my account! thank you guys! hell ya!” jessica whitstone, Google Play ReviewPricing
Brigit comes with multiple plans so you can select the one that best fits your budget.
Free
- Earn & Save
- Finance Helper
Plus – $8.99/month
- Instant Cash
- Credit Monitoring
- Identity Theft Protection
- Earn & Save
- Finance Helper
Premium – $14.99/month
- Instant Cash
- Free Express Delivery
- Credit Builder
- Credit Monitoring
- Identity Theft Protection
- Earn & Save
- Finance Helper
Take a look at the plans and your budget then choose the right fit for you.
Bottom Line
Brigit is the financial health app that actually wants you to do better. From budgeting tips to overdraft protection, Brigit has you covered. For most of the features, including instant cash advances and credit builder loans, you do have to pay a subscription. The subscription is how Brigit negates tipping and doesn’t have to charge interest on their credit builder loan. See how Brigit fits into your budget, you may find it’s cheaper than overdraft fees. If you’re ready to learn how to budget better, improve your credit, get instant cash advances, and feel more confident with your money, go check out Brigit today.
