01
Download the App and check the rates.
Get the best rates and credit limit with a quick soft credit inquiry.
Apply Now
Why pay off cards with Bright?
Accepts all major bank cards
Affordable monthly payments
100% data security - 256-bit encryption
How to pay off cards with Bright?
02
Get the credit line and choose which cards to pay.
Refinance multiple cards up to your credit limit; pay down and choose more.
Apply Now
03
Make on-time payments and defeat debt.
Choose how much to pay each month above your monthly minimum payment.
Apply Now
Changing lives every day.
See how Bright users3 reached financial well-being.
★★★★★
“To Pay off my credit card debt I’m using Bright money App. It’s really easy to use and their customer service is excellent. They are helpful."
Arvind Singh
★★★★★
Bright money is willing to invest their time and get you an financial plan. Increase your score and reduce your debt in all in one App.
Lance Holden
★★★★★
If you’re looking to get your score better - this is the App that will help and guide you. You’ll be with better score in few months. Get it.
Sergio Lopez
★★★★★
I recommend the Bright App to everybody. It helped me cut down on my credit card debt, help me save for car, vacation. Next we’re saving for house.
Todd Curry
★★★★★
Thank you to Bright for helping me improve my credit and eliminating my debt. The customer service is super helpful. Appreciate the journey.
Tom
Frequently asked questions
Can I pay off or close my account anytime?
Do I need to pay interest fees?
Is there a hard pull on the credit report?
Do you report to Equifax and TransUnion?
- Revolving line of credit ranging from $500–$8,000 to help repay credit cards. Variable APR range from 9%–29.99%. Subject to Credit Approval. Final terms may vary depending on credit review; not all applicants will qualify for full loan amount. Not all applicants qualify for the lowest rate. Bright may also offer Personal Loans made by our referral partners. Bright Credit is line of credit and not a credit or debit card.
- When you check your rates for Bright Credit we initiate a “soft pull” of your credit. This will NOT impact your credit score. If you’re approved and activate Bright Credit we may do a hard inquiry which may affect your credit score.
- Bright uses standard industry practices to determine our customer satisfaction scores. It’s a metric used in all kinds of businesses to measure customer service and product quality. Businesses calculate their score by taking the number of satisfied customers (those who rated them 4 or higher) and dividing it by the total number of responses.