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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.

Apply for a Bright's loan


How to Apply


Bright doesn't set any requirements. However, you need to have a debt in a bank or on your credit card to use the service. Anyone with debt, regardless of age, citizenship, or source of income, can take advantage of this app's features for just $14.99 per month.

Your credit card and the bank should be available on the website. Bright supports the majority of active credit cards with 13-19 digits. Your bank should also be available on Bright. If it is not, the company is probably already working on including it in their supported banks.

Application details

There is no reason to refuse a customer from registering in the application other than the absence of a monthly payment for it because registration in the application is done online. There is no requirement to submit any documents other than your bank account and credit card information.

At the beginning of the registration process, customers are prompted to provide an estimate of their annual income to facilitate the provision of services in greater demand.

To apply for Bright, you need to either download their app or click on the "Get Started" button on their website. Enter your email address and receive a verification message. Once you set up your account by creating a password and filling in your personal details, like name and SSN, you will need to connect your bank account and set the goals. The company will create your Bright Stash account and will start to withdraw money from your checking account.


Can I apply online?

You can use the application without any application, becoming a member automatically, and you will get all the features immediately after payment.

How will I know if I'm approved?

You will get access to the application without applications and long waits. Bright provides instant access after the payment.

How long is my application considered?

As soon as you connect your accounts to the system, you can use it fully.

Calculate loan payments in Bright

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

Loan amount

Enter the desired loan amount

500 $
10000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Bright

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 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’s reviews by September 2022
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