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Rating by Finanso®

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.

Bright Lending's account


How to register an account on Bright Lending

Bright Lending requires you to open an account at their site before you may formally apply for a loan. The registration is pretty quick and straightforward, though, if you satisfy the basic requirements for a loan.

  1. Click on the My Account button on the lender's main webpage.
  2. Enter your e-mail and the last 4 of your social security number as a password.
  3. Wait for the company to send a verification link to your e-mail address and click on it to complete the registration.

How to Reset a Password on Bright Lending

If you forgot your password, you would have to click on the Reset Password button, enter your username or e-mail and follow instructions that customer support will send you. If you don't receive the instructions, contact customer support. They are at your service 6:00 am – 5:00 pm MT on weekdays, and 6:30 am – 5:00 pm MT on Saturdays.

How to Delete an Account on Bright Lending

However, you cannot delete your account or cancel your loan manually. Instead, you will have to call or write to customer support and ask them to do it for you.

In that case, Bright Lending will ask you for your full name and your social security number so that they can first verify your identity.


Is Bright Lending a legitimate company?

Yes, it is. It holds authorization from the Tribal Regulatory Authority of Fort Belknap Indian community and membership of the Online Lender's Alliance for providing financial services legally in the United States. In addition, Bright Lending applies the latest 256-bit SSL encryption technology for the optimal protection of all your personal and financial information.

How do I contact Bright Lending?

Depending on which communication channel you find most convenient, you can write to Bright Lending, P.O. Box 578, Hays, Montana, USA, call them on 1 (866) 441-76-74, or reach them by e-mail or regarding your question.

What is the Bright Lending cut-off time?

The company cuts off at the official end of the workday - 6 pm from Mondays to Fridays and 5 pm on Saturdays. (Bright Lending is closed on Sundays.) And you will have to be aware of the time difference between your geographic location and the state of Montana.

Where is Bright Lending located?

The lender is currently registered and physically located in Hays, Montana.

Financial products

Bright Lending
Personal loan
Rating by Finanso®

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™

Effective interest rate on the product

up to 725%

Loan term for the financial product

up to 12 months

Calculate loan payments in Bright Lending

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

Loan amount

Enter the desired loan amount

200 $
2000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Bright Lending

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Bright Lending and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Bright Lending’s reviews by September 2022
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