What is Brigit cash advance?

Yes. Brigit lets qualified members snag interest-free advances from $25 up to $250 (you can only have one open at a time). You’ll need the $8.99/month Plus plan or the $14.99/month Premium plan to access them. Pick your own repayment date—usually your next payday—and the app pulls the money back automatically; you can push that date back once for free if you need extra time. Standard ACH delivery hits your bank in 1-3 business days at no extra cost, or you can pay $0.99–$3.99 for Express delivery to a debit card in about 20 minutes (Premium users get Express for free). Advances come with no interest, tips, late fees, or credit checks, and you can toggle on auto-advances for overdraft protection if you like.

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.

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.