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Bright Credit Bright Builder Debt Manager

What is Bright?

Bright offers multiple products (subject to state residency) like Bright Builder, Bright Credit, Bright Plan, etc which the users can use to pay off their cards faster, build credit, build savings, etc

How much does Bright cost?

Bright offers an Optional Membership and you can chose from multiple options. Our annual plan is $7.42 per month (billed at $89 once a year), our six-month plan is $8.99 per month (billed at $53.94 twice a year), our three-month plan is $9.99 per month (billed at $30), and our monthly plan is $9.99 (billed every 30 days). Pricing is subject to change.

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How can I join Bright?

Download the Bright App from the App Store or Google Play. Connect your accounts and set your goals. It only takes a few clicks. Then let Bright get to work.

To download the App, click below-

Google Play Store
Apple App Store

To apply on Bright’s website, use this link - https://app.brightmoney.co/

What is the Bright Stash account?

Your Bright Stash account is a secure financial account with funds up to $250,000, FDIC-insured and secured by bank-level encryption. When Bright moves funds from your checking account, your funds are stored in your Bright Stash account. Bright uses those funds to make your card payments or to build your savings with Bright. You can always adjust how much Bright moves into your Stash account, and once they’re posted, you can withdraw them at any time, moving funds back to your checking account. “Bright Stash Account” has been previously called the 'Bright Account,' which has all the same features and security.

Can I pause Bright?

In the app, you can pause Bright’s service whenever you want. During your pause period, we’ll stop moving funds into your Bright Stash Account. You always have full control over your money.

Why does Bright need my bank account and credit card information?

Bright uses your bank and credit card information to learn about your personal finances. This is so we can design a Bright Plan that works best for you, and to connect to your accounts in order to move funds and make your payments for you. That's all.

We take extreme care with our customers' financial information. Bright has partnered with Evolve Bank & Trust and CBW Bank, Members FDIC. All payments are logged with the US Federal Reserve, so your money is safe and returned to you if there are any issues.

Which banks and cards are supported?

We support a wide range of approved banks and cards across the United States. If you don’t find yours yet, please reach out to us at support@brightmoney.co or our live chat. We will do our best to get it into Bright.

My card is not available on Bright. What should I do?

Bright supports most active and open credit cards with between 13-19 digits. Does your credit card fit this category? If it does and you are still facing an issue, please reach out via the live-chat window or drop us an email at support@brightmoney.co. We will try to fix this for you.

My bank is not available on Bright. What should I do?

Please check your spelling. Typos or misspellings can throw off our search. If you still can't find it, we may not support the bank yet, but we're working to include it. If you have any questions, email us at support@brightmoney.co

How do I delete my Bright account?

In the app, you can delete your account by canceling your membership at any time. You can also opt to Pause Bright for a period.

Please contact our Customer Success team at support@brightmoney.co or via our live chat. You will find the help you need.

How do I contact Bright customer support?

Our Live Chat agents are ready to help 24/7. You can also email us at support@brightmoney.co. We ensure a quick response within 12 to 24 hours, often even faster.

What is MoneyScience?

MoneyScience is a system developed by Bright that blends data science with personal finance. Built on 34 algorithms by over 120 experts, it’s been tested on over 50,000 users. It helps everyone get debt-free and build more wealth.

MoneyScience is the first technology to put the power of data science into everyone’s wallet. It is only available through Bright.

Is Bright only for credit cards?

No. Bright offers a range of services including credit card manager, credit monitoring, Bright Builder to help build payment history and credit, and Bright Credit - a line of credit of up to $8k with APRs as low as 9%.

What is rainy day savings?

Rainy day saving is like a small safety net. It’s a special savings fund, with extra money when you need it, so you don’t have to rely on credit cards when you spend outside your monthly budget.

How does Bright build credit?

Payment history has the biggest impact on credit score accounting for 40% of how the score is calculated as per TransUnion (https://www.transunion.com/credit-score). Bright Builder helps you build payment history that may positively improve your credit score. A credit score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your account with us or others will have a negative effect on your credit score.

Still can’t find what you're looking for?

We’re always happy to chat or get feedback.

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How can we help?

hello@brightmoney.co

+1 8772746494

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