Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

2.0
(27 Ratings)

Bright Lending Account Review

Advertiser Disclosure

A Bright Lending personal account allows users to securely manage their loans, track payment schedules, and access loan application statuses. With easy-to-use features like secure login, password reset, and customer support, users can update personal information, make payments, and manage their financial interactions with Bright Lending all in one place.

bright lending account

Key Features

  • Loan Management. Easily manage your loans, including viewing balances, payment schedules, and transaction history.

  • Secure Access. Provides secure access to your account with strong password protection and account verification processes.

  • Application Status. Check the status of your loan applications directly from your account.

  • Payment Options. Make payments and set up automatic payments through your personal account.

Step-by-step Registration

  1. Visit The Website. Go to the Bright Lending website to get started.

  2. Access The Account Page. Click on the "My Account" button located in the top right corner of the homepage.

  3. Select New User. Under the login form, look for the "New User?" option.

  4. Enter Social Security Information. Enter the last four digits of your Social Security number as your temporary password.

  5. Sign In. Click on the "Sign In" button to access your account.

  6. Set Up A New Password. Once logged in, you may be prompted to create a new password. Follow the instructions to create and confirm your new password.

  7. Manage Your Account. After setting your password, you can access your Bright Lending account and manage your loans.

How to Log In?

  1. Visit The Website. Go to the Bright Lending website.

  2. Access The Login Page. Click on the "My Account" button located in the top right corner of the homepage.

  3. Enter Your Credentials. Enter your username or email and password in the respective fields.

  4. Sign In. Click on the "Sign In" button to access your Bright Lending account.

How to Activate My Account?

  1. Visit The Website. Go to the Bright Lending website.

  2. Go To The Account Page. Click on the "My Account" button located at the top right corner of the homepage.

  3. Enter Login Details. On the login page, enter your username and temporary password, which is the last four digits of your Social Security number.

  4. Login. Click on the "Login" button.

  5. Create A New Password. Once logged in, you will be prompted to create a new password. Choose a strong password that is at least eight characters long and includes a combination of letters, numbers, and symbols.

  6. Confirm Your Password. Enter your new password again to confirm it.

  7. Submit. Click on the "Submit" button.

How to Delete My Account?

  1. Phone. Call Bright Lending customer service at 1-866-441-7674. Speak with a representative to request the closure of your account.

  2. Email. Send an email to [email protected], requesting the closure of your account.

How to Reset My Password?

  1. Visit The Website. Go to the Bright Lending website.

  2. Go To The Account Page. Click on the "My Account" button in the top-right corner of the homepage.

  3. Select Forgot Password. Click the "Forgot Password?" button below the login form.

  4. Enter Your Credentials. Enter your username or email address associated with your Bright Lending account.

  5. Submit The Request. Click on the "Submit" button.

  6. Check Your Email. Bright Lending will send you an email with instructions on how to reset your password.

  7. Follow The Instructions. Follow the steps in the email to reset your password and regain access to your account.

Editorial Opinion

The Bright Lending personal account offers a straightforward platform for managing loans, providing users with essential tools for tracking payments and accessing account information. While it effectively serves its purpose of loan management, the platform's simplicity may appeal to those looking for basic financial management features. However, it lacks some advanced functionalities found in more comprehensive financial platforms, which may leave users seeking a more robust experience wanting additional options.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

FAQ

How do I contact Bright Lending?

To contact Bright Lending, you can use one of the following methods:

  1. Self-service. Customers can log in to their Bright Lending account and accessing the self-service portal for assistance with common issues.
  2. Chat. Customers can click on the chat icon located in the lower right corner of the Bright Lending website and speak with Shimmer, the virtual assistant. Shimmer is available 24/7 and can transfer the customer to a Bright Customer Service Agent or a Bright Account Resolution Agent during business hours if needed.
  3. Phone. To speak with a representative during business hours, customers can call Bright Lending customer service at 1-866-441-7674 or Bright Account Resolution at 1-866-376-2877.The customer support team is available to assist you Monday through Friday from 6:00 am to 5:00 pm MT (Mountain Time).
  4. Email. Customers can email [email protected] for general inquiries or [email protected] for account-specific issues.

What information do I need to create a Bright Lending account?

You’ll need the last four digits of your Social Security number, your email address, and a secure password to create your account.

Why can't I access my Bright Lending account online?

There could be several reasons why you are unable to access your Bright Lending account online. Some common reasons include forgetting your username or password, a technical issue with the Bright Lending website or server, or an issue with your internet connection. If you are experiencing difficulty accessing your account, you can try resetting your password or contacting Bright Lending customer support for assistance. They can help you troubleshoot any issues and provide guidance on how to resolve the problem. It's also important to make sure that your browser is up to date and that you are using a supported browser to access the Bright Lending website. Additionally, if you have a past-due loan or another issue with your account, this could prevent you from accessing your account online. In this case, you may need to resolve the issue with Bright Lending before you can access your account.

Offers
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

1.964
(27 Ratings)
Recommended FinScore™
0
300
650
1000
300.00 – 1000.00 $
Rate
i

Interest rate

700.00 – 725.00 %
Term
i

Loan term for the financial product

10 months – 12 months
Apply
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.93
(20 Ratings)
Recommended FinScore™
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450.00 – 12000.00 $
Rate
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Apply
Bright Lending Loans Calculator

Bright Lending calculator will allow you to calculate an approximate payment schedule for the loan

Bright Lending calculator
Interest rates are given in accordance with the rates of the Bright Lending of 20.03.2025
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Bright Lending reviews 2025
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1.6
Cons
I was granted approval for a $700 loan, but after accepting it, I was told I had to repay a total of $3,200. This is utterly absurd and implies they are charging an interest rate of over 300%, which should be illegal.
Complain
1.4
Cons
I took out a $700 loan and wound up paying thousands of dollars in repayments. This company's practices are alarming, and they should face consequences. I genuinely hope for a future class action lawsuit against Bright Lending.
Complain
2.4
Cons
This company displays unprofessionalism and a lack of respect. I've been attempting to reach a supervisor regarding my loan payments, but they have consistently denied my refund request. They seem to operate in a sneaky manner, withholding crucial information while deducting money. I strongly urge you not to apply with this loan company.
Complain
1.6
Cons
If I had the option to give a negative rating, I definitely would. They approved me for a $600 loan, but now they're asking for a repayment of $3,756.47. This seems utterly unjust and unfair.
Complain
2.8
Cons
The level of unprofessionalism from this company is staggering, and it strongly suggests it might be a scam. Despite providing a contact number, it's virtually impossible to actually speak to a human being. Whenever I tried to chat with an employee online and asked serious questions, the chat mysteriously disconnected. These are numerous red flags, and I strongly advise against borrowing from them.
Complain
1.6
Cons
I obtained a loan and signed documents clearly stating that I could pay it off at any time without incurring penalties. However, when I called in to make an early payoff, they refused my payment, insisting that I call back tomorrow because my next payment was due then. Clearly, they were trying to extract additional payments from me before allowing me to pay off the loan. This deceitful behavior, the apparent scams, and predatory tactics make them a company to avoid at all costs.
Complain
1.8
Cons
Their terms were vague and confusing, and the customer service experience was absolutely dreadful. I would not recommend this company to anyone in need of a loan. I strongly suggest exploring alternative options for a better lending experience.
Complain
1.8
Cons
They proposed a repayment plan spanning 10 months, which initially seemed promising. However, when they suggested a monthly payment of $196.76 for a $350 loan, it became apparent that this was far from great. This figure came after they sent me a "pre-approval" for a $1,000 loan, which made their terms even more baffling.
Complain
2.2
Cons
I borrowed $800 and made all my payments on time, but they still demanded an additional $1,300 from me. This company is extremely unreliable; I strongly advise against using it. They seem to be taking advantage of innocent people for their own gain, and it's unacceptable.
Complain
2.2
Cons
This company's conduct has been highly unprofessional and disrespectful. Despite my efforts to reach out to a supervisor regarding my loan payments, they have consistently refused to address my concerns or provide a refund. Their practices are deceptive, and it seems they withhold important information while deducting money from customers.
Complain
Company rating
2.0
/ 5
27 reviews
Application
1.7
Support service
1.9
Mobile App
2.2
Service quality
1.9
Your satisfaction level
2.2
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