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MissionFeaturesUser StoriesMoneyScience™Learn

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DELETE DEBT.
BUILD A SMART FUTURE.


Get an AI-driven financial plan with life-changing results.


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FINANCIAL PLANNING THAT GETS YOU RESULTS.
AUTOMATICALLY.


DESTROY DEBT


CREDIT SCORE


GROW WEALTH


A NEW SYSTEM FOR FINANCIAL PLANNING TO DELETE DEBT AND BUILD WEALTH.


Powered by MoneyScience™.
34 algorithms tailored to you delivering results automatically.

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LIFE-CHANGING RESULTS. AUTOMATICALLY.

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DELETE DEBT FASTER.

Bright finds the fastest, smartest way to pay off your credit cards and makes
payments for you. Automatically.



GET AN EASY CREDIT BOOST.


Bright Credit Builder is hassle-free, building a positive payment history and
lowering your usage ratio. Automatically.


BOOST YOUR CREDIT.


Bright Credit Builder is hassle-free, building a positive payment history and
lowering your usage ratio. Automatically. 




START BUILDING MORE WEALTH.


Bright builds your savings faster, earning you more interest. Set your own pace
week by week, Bright delivers your goals. Automatically.


TAILORED TO YOU.
SMART ABOUT YOU.



BRIGHT GETS TO KNOW YOU


...IT MOVES FUNDS FOR YOU


...YOU SEE REAL RESULTS


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WE DELIVER
REAL RESULTS FOR
‍REAL PEOPLE.

See why users rank us 4.6/5.0
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BRIGHT WORKS FOR EVERYBODY. FOR EVERY GOAL AND EVERY PLAN.


5 MILLION +
PAYMENTS MADE


$700 MILLION +
‍DEBT REDUCED


$744+
‍AVG. ANNUAL SAVINGS


5 MILLION
PAYMENTS MADE


$150 MILLION
‍DEBT REDUCED


$744+
‍AVG. ANNUAL SAVINGS


+5 MILLION

payments made


+$700 MILLION

debt reduced


$744 +

avg. annual savings


MONEY-SMART AI.
ONLY WITH BRIGHT.

MoneyScience™ puts powerful data science in everybody’s wallet.

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REAL HUMANS,
HERE TO HELP.

We’re ready to connect 24/7.
By phone, email or chat.


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ABOUT US

 * MissionFeatures
 * User Stories
 * Careers
 * Jobs




RESOURCES

 * School of MoneyScience
 * MoneyScience™
 * Learn




LEGAL

 * Privacy Policy
 * Terms of Use
 * Deposit Agreement
 * Electronic Signatures and Communications
 * Disclosure
 * Credit Builder Credit Agreement
 * ACH Debit Authorization
 * Evolve Bank & Trust




HELP

 * FAQS
 * Download the app on

Banking services provided by Evolve Bank & Trust; Member FDIC.
2021 Bright Capital Inc.

*How does Bright save money for users?
‍
One of the ways Bright saves money for our users is to lower the interest
charges incurred while paying down debt. Bright’s MoneyScienceTM system makes
smart payments on your debts, making sure high-interest debt is paid down first,
a method that lowers your interest charges. Bright also always pays at least the
minimum due on all cards connected to Bright, making payments on time, so users
also avoid late fees. When we calculate our users’ average potential savings, we
use the difference between using Bright versus paying just the minimum due. We
also assume users aren’t adding to their debt over the period we’re estimating
savings. Average savings are calculated on an annual basis, and when we estimate
lifetime savings, we use data for users who joined us between January 2020 and
March 2021. The amount you save with Bright will vary based on several factors,
including payments you make yourself, your credit card balances, APRs, other
card charges and fees Bright can’t control, and other activities.

How does Bright calculate our average payment?

Bright calculates and makes payments using our MoneyScience system, which
analyzes your debt and targets the card with the highest interest charges, while
also making at least the minimum due on all your connected cards. Bright also
studies your checking account balance, your spending habits; and your recurring
bills and adjusts payments to your goals and what you can afford. Our average
payment was last calculated in April 2021, using data for users who enrolled
between January 2020 and March 2021 and assuming users weren’t adding to their
debt over the projected period. Payments always vary between users, because
Bright tailors payments to your individual finances, debts and goals.




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