Brigit App Review

Brigit offers interest-free cash advances ranging from $25 to $250 to help you bridge the gap between paychecks. You're eligible if you have an active checking account that's at least 60 days old, regular income with at least three recurring direct deposits, and responsible spending habits. Brigit checks your banking activity to ensure you can repay the advance, which they'll automatically withdraw on your chosen repayment date, usually aligned with your next payday.

Standard delivery of the cash advance takes 1 to 3 business days and is free. If you need funds faster, you can opt for express delivery to receive the money in about 20 minutes for a fee ranging from $0.99 to $3.99. Users with the Premium membership at $14.99 per month get free express delivery on cash advances.

While Brigit does offer a free plan with basic financial tools, access to cash advances requires the Plus plan at $8.99 per month or the Premium plan at $14.99 per month. These plans also include features like credit building tools, overdraft protection with auto advances, and personal finance management tools. If these additional services align with your needs, the monthly fee might be worth it.

Brigit might work well for you if:

• Need quick cash: You need an instant cash advance up to $250 without interest or hidden fees.
• Prevent overdrafts: You want to avoid overdraft fees with automatic cash advances when your balance is low.
• Credit building: You're interested in improving your credit score using Brigit's credit-building tools.
• Financial tools: You want to manage your finances with budgeting and expense tracking features.
• Extra earnings: You're looking to earn extra cash through surveys or find job opportunities.

When Brigit might not be a good fit:

• Eligibility requirements: If you don't have a primary checking account that's at least 60 days old with regular direct deposits.
• Irregular income: If your income doesn't come from consistent electronic direct deposits from the same source.

To qualify, you must meet the following criteria:

1. Active checking account: Have a primary checking account that's at least 60 days old, used for daily transactions, and with a positive balance.
2. Recurring deposits: Have at least three recurring direct deposits from the same employer or income source. Only electronic direct deposits count.
3. Brigit score: Achieve the minimum Brigit score displayed in the app (scores range from 40 to 100), which considers your account status, spending behavior, payment history, and deposit history.
4. Regular income: Show that you have steady paychecks coming into your account.
5. Responsible spending: Demonstrate spending habits that indicate you can repay the advance without financial distress.
6. Age and residency: Be at least 18 years old and a U.S. citizen or legal resident.

Brigit will use this information to decide if you’re eligible and determine the maximum cash advance amount you can receive.

With Brigit's standard delivery, you'll typically receive your cash advance in 1–3 business days, and it's free. If you need the money sooner, you can choose Express Delivery to get your cash in about 20 minutes. This option costs between $0.99 and $3.99 per transaction for Plus Plan members, but it's free if you're on the Premium Plan.

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

1. Extend repayment date: You can extend your repayment date directly in the app if needed, with no late fees or penalties.
2. Automatic withdrawal: Brigit automatically withdraws the borrowed amount from your bank account on the due date.
3. Payment attempts: Brigit may charge your payment method any time after the due date, including when they see a positive cash inflow into your linked bank account.

In addition to offering cash advances, if you choose Brigit's Plus or Premium membership, there are several other features that might help you manage your finances more effectively.

Overdraft Protection

With the Plus Plan at $8.99 per month, Brigit provides Overdraft Protection through Auto Advances. The app predicts when you might overdraw your account based on your spending patterns and automatically sends you a cash advance to prevent overdrafts. You can opt out of auto advances anytime, and you'll get alerts if your balance might not cover upcoming bills.

Credit Building

Brigit's Credit Builder tool, available with the Premium Plan at $14.99 per month, helps you improve your credit score. Starting with payments as low as $1 per month, you can build a positive payment history. Brigit reports your payments to all three major credit bureaus—Experian, Equifax, and TransUnion. There's no hard credit check to get started, and you don't need an existing credit score.

Budgeting and Financial Insights

Brigit offers personal finance management tools to help you stay on top of your spending. You can track expenses, set up budgets, and gain insights into your spending and earning trends. The app can also identify and help you cancel unwanted subscriptions, potentially saving you money.

Earn and Save Opportunities

Through the app, you can find ways to earn extra cash and save. Brigit offers opportunities to complete surveys for extra income and helps you discover job options, including part-time, full-time, gig, and remote work. Additionally, you can access cashback deals, discounts, and other offers to help you save money.