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User StoriesMoneyScience™Learn

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OOPS! WE'RE UNABLE TO CONNECT VIA YOUR BROWSER. PLEASE CALL US AT
‍+1 856-832-6419 ON YOUR PHONE.

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DELETE DEBT.
BUILD A SMART FUTURE.


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


Please enter a valid email.
Get Started


Rated 4.7* based on 7,000 reviews on

AS FEATURED IN



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.

Learn more



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 4.7*/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
PAYMENTS¹ MADE


$150 MILLION
‍DEBT REDUCED


$744+
‍AVG. ANNUAL SAVINGS²


+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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ONE-ON-ONE HELP, WITH 93% APPROVAL³

Real humans. 24/7.
By phone, email or chat.


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Address:
Bright Capital Inc
50 California St,
Floor 15
San Francisco
CA 94111


ABOUT US

 * MissionFeatures
 * User Stories
 * Careers
 * Jobs
 * Press
 * Press




RESOURCES

 * School of MoneyScience
 * MoneyScience™
 * Learn
 * Credit cards




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
 * Pricing
 * Contact us:hello@brightmoney.co+1 8568326419
 * Download the app on

Address:
Bright Capital Inc
50 California St,
Floor 15
San Francisco
CA 94111
Banking services provided by Evolve Bank & Trust; Member FDIC.
2022 Bright Capital Inc.

¹ 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.

² 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 MoneyScience™ 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.

³How do we get our 93% score?

Bright uses standard industry practices to determine our customer satisfaction
score. 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 5 or higher) and dividing it by the
total number of responses. As of November 2021, Bright's score of 93 out of 100
represents ratings provided by over 5,000 Bright users.

* Based on Apple Appstore and Google Playstore ratings as on September 2021.

** Available in select states in beta.




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