A new balance transfer built for you^¹^¹

No origination fees

No impact on credit score to check your rates

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Rated 4.8 based on 80,000+ reviews

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Rated 4.8* based on 80,000+ reviews

AS FEATURED IN

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Technology to wipe debt and build credit.^³ Tailored to You.

Technology to wipe debt and build credit.
‍Tailored to You.

Bright Credit

Refinance high-interest credit card debt

No origination fees

Grows with you

No impact on credit score to check your rates

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Bright Builder

Build Credit with payment history³

0% APR. No interest fees

Reported to major bureaus

No minimum credit score needed to apply

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A payment system for all your cards

Pay on time with one app

No more math

Avoid late fees

Pay off debt up to 4x faster

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A personal money plan

Based on your goals

Step by step guide to lower debt

Build savings faster

Adapts to your finances

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All-in-one app. Everything made easy!

Get Bright Credit.^¹
Start your journey to debt-free.

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Limit grows⁴

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No impact on credit score to check your rates^²

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No origination fees

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Always safe. With world-class security.

Bright uses bank-level security with 256-bit encryption and allows two-factor authentication for added security. We also only use your data for transactions you've approved. That's it. Nothing more.

Hear from real people using Bright to get debt-free.

One-on-one help, with 93% customer rating.^⁷

Real humans. 24/7.
By email or chat.

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