What is Brigit cash advance?

Yes, Brigit offers cash advances of up to $250 if you're on their Plus ($8.99/month) or Premium ($14.99/month) membership plans. There are no interest charges, hidden fees, or late fees, and you can choose your repayment date, usually aligned with your next payday. If you need more time, you can request free extensions without any penalties. The standard delivery is free and gets you the money in 1–3 business days, while express delivery delivers funds within 20 minutes for a small fee of $0.99 to $3.99, unless you're on the Premium plan, which includes free express delivery.

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.

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.