Brigit App Review

Brigit is a subscription-based cash-advance app that lets eligible users pull $25–$500 with no interest, tips, or late fees. Instead of charging finance charges, Brigit asks for a flat monthly fee: $8.99 for the Plus plan or $14.99 for Premium (which adds free Express Delivery and access to the Credit Builder loan program). Standard ACH funding lands in your bank within three business days at no extra cost; if you need money in about 20 minutes, Express Delivery runs $0.99–$3.99 on non-Premium plans.

Approval is driven by the activity in your linked checking account, not your credit file. You’ll need an account that’s been open at least 60 days, shows three recurring deposits around $1,500 a month in total, usually stays above zero, and meets Brigit’s minimum “Brigit Score.” There’s no hard pull, and advances won’t affect your credit.

Repayment is set for your next paycheck (or another date you choose) and happens automatically. You can push that date back once for free as long as you request the change by 3 p.m. ET the business day before. Beyond cash advances, the app offers automatic overdraft protection, real-time balance alerts, budgeting tools, and an optional credit-building installment loan.

Brigit might work well for you if:

• Steady paycheck: Your main checking account shows at least three recurring deposits each month (around $1,500 total), helping you hit the minimum Brigit Score for approval
• Prevent overdraft: You like the idea of Auto Advances firing before your balance goes negative
• Pick payback: Choosing — and even postponing — your own repayment date fits your cash-flow rhythm
• Credit goals: You’ll use the Premium plan’s credit-builder loan and free Express Delivery often enough to justify $14.99 a month
• Budget insights: Real-time spending alerts and fee-tracking sound useful, not just nice to have

When Brigit might not be a good fit:

• Inconsistent income: Irregular or gig pay may keep your Brigit Score below the ~40 cutoff
• Occasional use: Shelling out $8.99 every 30 days for a rare $25–$250 advance can feel pricey
• Need bigger funds: You can only have one advance outstanding and the max tops out at $250
• Instant fee: On the Plus plan, Express Delivery costs $0.99–$3.99 each time, adding up if you’re in frequent crunches

1. Age & location: You need to be 18+ and live in a state where Brigit is available.
2. Bank account: Link a checking account that’s been open for at least 60 days, shows daily activity, and usually finishes paydays above $0.
3. Income: The linked account must have at least three recurring direct deposits from the same employer (or other steady source) adding up to roughly $1,500 or more each month.
4. Brigit Score: Maintain a Brigit Score of about 40 or higher (0–100 scale).
5. Spending habits: Your transaction history should show low overdraft risk and a pattern that suggests you can repay the advance.
6. One advance rule: You can’t have another Brigit advance open when you request a new one.

Meet these checkpoints and Brigit will set your personal limit—up to $250—without credit checks, interest, or hidden fees.

Standard delivery is free and takes 1–3 business days to show up in your bank account.

Need it faster? Pick Express Delivery and the cash usually lands on your debit card in about 20 minutes. You’ll pay:

• $0.99–$3.99 per advance if you’re on the Plus plan
• $0 if you have the Premium membership

1. Pick date: Set your own pay-back day when you grab an advance—most users pick their next payday.
2. Auto pull: Brigit withdraws the amount from your linked bank on that day (or earlier if it sees a deposit hit).
3. Need time? Hit “Extend repayment” once per advance before 3 p.m. ET the business day prior; you earn one extension credit for every two on-time paybacks and can hold up to three.
4. Early OK: Pay off early in the app anytime, penalty-free, but you can’t snag another advance until the current one’s cleared.
5. No penalties: There’s no interest or late fee if a payment fails—just watch for any overdraft charges from your bank.

Brigit isn’t just about quick cash—it tacks on a handful of extras that try to keep you away from overdraft fees, help polish your credit, and even point you toward side cash.

Automatic overdraft protection

Flip on Auto Advances and Brigit’s algorithm watches your linked account around the clock. If it predicts you’ll slide below $0, it automatically drops an advance (up to your limit) into the account, saving you from an overdraft without you lifting a finger. You can toggle the feature on or off anytime.

Budgeting tools & real-time alerts

Once you connect a bank, Brigit tracks deposits, bills, and day-to-day spending. You’ll get low-balance warnings, heads-ups on large upcoming charges, a calendar view of bills, weekly or monthly spending breakdowns, and even alerts about sneaky recurring subscriptions—all aimed at keeping surprise fees off your statement.

Credit builder program

For an extra fee (or included with the Premium plan), you can open Brigit’s Credit Builder loan. There’s no hard credit check, payments get reported to all three bureaus, and you can start with as little as $1 a month. Finish the program and you get the savings you built back—plus whatever boost on your credit report those on-time payments earned. Your Brigit Score inside the app (0–100) also grows with steady repayments and determines your future advance limit.

Earn & Save marketplace

Inside the app you’ll find an “Earn & Save” tab packed with paid surveys, job leads, cash-back offers, insurance savings, and partner personal-loan options if you need more than the $250 cap. It’s basically a shopping list of quick ways to pad your balance or trim monthly bills.

Delivery speed choices

Standard ACH deposits land in 1–3 business days for free. Need cash right away? Express Delivery shoots the money to your debit card in about 20 minutes for $0.99–$3.99—unless you’re on the $14.99 Premium membership, which waves those express fees.