Brigit App Review

Brigit offers interest-free (but not fee-free) cash advances from $25 up to $250 to help you avoid overdraft fees or cover unexpected expenses. You’ll qualify if you're at least 18 years old, have an active checking account with regular direct deposits, and meet their Brigit Score requirement based on your account activity and spending habits. Brigit wants to ensure you'll repay them, so they'll automatically withdraw the amount on your next payday or the date you choose.

Standard delivery of your cash advance is free and takes 1 to 3 business days. If you need the money sooner, express delivery gets it to you within 20 minutes for a small fee of $0.99 to $3.99, or for free if you have the Premium membership.

While Brigit offers a free basic version with budgeting tools, access to cash advances requires a Plus membership at $8.99 per month or a Premium membership at $14.99 per month. The subscription could be worth it if you find their additional features like credit monitoring, a credit builder program, and financial insights useful.

Brigit might work well for you if:

• Need quick cash: You need up to $250 to cover an emergency expense without interest or hidden fees
• Prevent overdrafts: You want to avoid overdraft fees with Brigit's overdraft prediction and automatic cash advances
• Flexible repayment: You appreciate the option to choose your repayment date and get free extensions if needed
• Build credit: You're interested in improving your credit score through Brigit's Credit Builder program
• Budgeting tools: You could benefit from budgeting features and financial insights to manage your spending
• Regular income: You have a checking account that receives regular direct deposits from the same employer

When Brigit might not be a good fit:

• Irregular income: If you don't have consistent direct deposits or your income is from cash or irregular sources
• New account: If your checking account is less than 60 days old or doesn't show daily usage
• Avoiding fees: If you prefer not to pay a monthly membership fee for access to cash advances and premium features
• Need more cash: If you need to borrow more than $250 to cover your expenses

Some of the Brigit cash advance requirements include:

1. Age and residency: Be at least 18 years old and a U.S. citizen or legal resident in a state where Brigit is available.
2. Bank account: Have an active checking account with a supported bank or credit union that is your primary account, active for at least 60 days, with a positive balance and daily activity.
3. Direct deposits: Receive at least three recurring direct deposits from the same employer or income source. These must be regular direct deposits—not ATM deposits, paper checks, cash transfers, or paychecks with irregular schedules.
4. Sufficient funds: Maintain enough funds in your account at the end of each payday to ensure timely repayment of the cash advance.
5. Brigit Score: Achieve a Brigit Score of at least 40 (out of 100), which considers your bank account status, spending behavior, payment history, and deposit consistency.
6. Financial habits: Demonstrate regular income and responsible spending habits that indicate your ability to repay the advance without financial stress.

Brigit doesn't require credit checks, so your credit score won't affect your eligibility. They will assess your information to determine if you qualify and the maximum cash advance amount you can receive.

You can usually get your cash advance from Brigit within 1–3 business days using the free Standard Delivery option. If you need the money faster, you can opt for Express Delivery to receive your funds within 2 to 20 minutes for an additional fee of $0.99 to $3.99 per cash advance. If you're a Premium member paying $14.99 per month, Express Delivery is free, so you can get your cash advances in minutes without any extra cost.

Brigit will typically request the money back on the repayment date you choose, usually set as your next payday. Keep in mind that:

1. Extend repayment date: you can extend your repayment date in the app at no cost. For every two advances you repay on time, you earn one extension credit, and you can save up to three credits at a time.
2. No late fees: there are no late fees or penalties if you're late on repayment. But Brigit may try to withdraw repayment when they see a positive cash inflow in your bank account.
3. New cash advances: you won't be able to take a new cash advance until you repay the current one.

On top of the cash advances, Brigit offers a variety of features that can help you manage your finances and improve your credit.

Overdraft Protection and Automatic Cash Advances

Brigit's app monitors your bank account in real-time to predict if you're at risk of overdrawing your account. If it detects that you might overdraft, it can automatically send you a cash advance to prevent costly overdraft fees. This Auto Advances feature can be turned on or off at any time, giving you control over when you receive automatic cash advances. Plus, with no interest or late fees, and flexible repayment dates (you can even request free extensions), it's designed to give you peace of mind without adding extra burdens.

Credit Builder Program

If you're looking to build or improve your credit score, Brigit's Credit Builder program can help. You can start building positive credit history without any credit checks. By contributing as little as $1 per month, and with timely payments reported to all three major credit bureaus—Experian, Equifax, and TransUnion—you can work towards a better credit score. Any extra funds in the account are returned to you once the program is completed, making it an affordable way to invest in your financial future.

Budgeting Tools and Financial Insights

Brigit provides comprehensive budgeting tools to help you keep track of your spending habits. With features like expense tracking, budget creation, and real-time balance alerts, you'll have a clearer picture of where your money is going. The app also analyzes your bills and expenditures to identify areas where you can save, and helps you find and cancel unwanted subscriptions that may be draining your account.