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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
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 ReviewAdvance the money you need instantly!
Get instant cash with Brigit.
No credit check – No interest – No late fees!
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.
New
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
Finance Helper
If you are looking for a bit of financial guidance, Brigit has your back. When you sign up for an account, you have access to a free plan that gives you financial insights that are clear and uncomplicated.
You can look deeper into your spending habits, keep track of all your bills, be notified about due dates, and learn better ways to budget that work for you. So you can feel confident about where your money is going each month.
Whether tracking seasonal spending or keeping tabs on your subscriptions, Brigit’s finance helper will help you manage it all in one place.
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 ReviewEarn & Save
Brigit knows that every little bit extra helps, and they help by putting it all in one place with their “Earn & Save” section. Whether you want to learn about the best side gigs for your schedule or find full-time employment, it’s all on their in-app job board.
Are you looking to relax and earn some extra cash? Brigit gets it and offers surveys, games, and other ways to make a little extra cash right from the app.
Are you broke by payday?
Read about 5 paycheck advance apps that will help you bridge the gap and get you paid early.
Final Thoughts
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.
