4 Bright users from across the U.S. talk about getting debt-free with Bright
“Bright is one of my favorite apps. It allows me to see my debt in very organized categories. It’s great because I’m able to track all my cards, so I know how I’m doing. And of course I like the Rainy Day Fund, so I’m able to save for emergencies. I love it. Bright keeps me on track for my goals, so I’m able to be smart with my money. I’m able to get where I’m going. I want to be smart with my money, so I’m able to continue going where I want to go.”
“I’m caught up! I was almost three months behind on my credit card. But not anymore. Which in turn is improving my credit score!... I’ve been using Bright for over a month now. So far, I’ve been able to pay down about $400 on a credit card without having to do anything. It takes $30 or $40 here and there, and I don’t have to do anything. Once it stores up a little bit of money, then it will automatically pay over to my credit card. Which is fantastic! I love that! I don’t have to do anything. It does it all automatically. I barely notice that money is missing… I love Bright Money. I’m going to continue to use it: I’m gonna get that credit card paid off! I’ve also got a stash set up for saving for a home -- which I want to do in the next year. I think it’s fantastic. I’m not sure why no one came up with this before. Thanks for letting me get my finances under control.”
“I’ve been using Bright for about 4 months now. It has changed my life tremendously. I love how they prioritize your credit card bills. And they take care of everything. It has really helped me out.”
“What sets Bright apart from other apps is that you can tangibly see how much you’re paying toward credit card bills every month. Which is something I’m working through. You can see what percentage you have left and you get very clear status updates. I do feel like I’m paying it down with this app, whereas with other apps I couldn’t really tell or see how much I had left… And of course who doesn’t love ‘set it and forget it?’ It makes it easy.”
Get a personalized Bright Plan tailored for you.
Bright can help get you debt-free by managing your card payments for you. With a personal Bright Plan, we’ll use our patented MoneyScience™ to study your finances, learn about your debt and make smart payments, always on time and optimized to get you debt-free fast.
It’s easy to get started. Just download the app, connect your bank and credit cards, set a few goals and let Bright get to work.
Bright also offers two other solutions, Bright Credit Builder and Bright Balance Transfers. They’re smart alternatives, with competitive rates and built-in automation.
Bright Credit Builder is an easy way to boost your credit score. Once you’re signed up, we’ll set up an interest-free, secured line of credit and use it to make automatic payments on your cards, building a positive payment history and lowering your credit utilization. Bright Credit Builder focuses on utilization and payment history because as they improve, your credit score goes up!
Bright Balance Transfer offers a low-interest line of credit designed to pay off card debt fast while saving you from high interest charges. Once approved, Bright uses the funds from your Bright Balance Transfer to pay off your high-interest cards, moving those debts to our balance transfer program with its lower APR. Over the months ahead, Bright automates your new repayments, too, so you pay less in interest and it’s hassle-free. Bright Balance Transfers offers credit lines of up to $10,000 at APRs starting from 9.95%, depending on your eligibility.
If you don’t have it yet, download the Bright app from the App Store or Google Play. Connect your checking account and your cards, set a few goals and let Bright do the rest. With a personal Bright Plan, you can apply for Bright Credit Builder or Bright Balance Transfer or use MoneyScience™ to pay off your cards fast.
With a postgraduate degree in commerce from The University of Sydney, Pranay has his finger on the pulse of the finance industry. Breaking down complex financial concepts is his forte.