Get a $250 Cash Advance with Brigit

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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

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 Review

Earn & 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.

Are you broke by payday?

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.

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 Review

Credit 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 Review

Pricing

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.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

7. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

8. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

9. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

10. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

11. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

12. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

13. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

14. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

16. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

17. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

18. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

22. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

23. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

24. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

25. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

26. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

27. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

28. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

29. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

30. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

31. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

32. Tipping or not tipping has no impact on your eligibility for SpotMe®.

33. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

34. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

35. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

36. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

37. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

38. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

Get a $250 Cash Advance with Brigit

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