Brigit cash advance app review
- Max. Amount
- Turnaround time
- 1 to 3 days or same-day in some circumstances
Bottom line: Brigit analyzes your finances and offers advances up to $250 to avoid overdraft fees. But the monthly membership fee makes it an expensive choice if you don't use it often.
Due date extensions available
No interest or late fees
Customer support only through email
No joint bank accounts
|Turnaround Time||1 to 3 days or same-day in some circumstances|
|Costs||$9.99 monthly membership fee|
|Requirements||Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day|
- No interest or late fees
- Option to extend due date up to 3 times
- Sends notifications when you’re at risk of overdrafting
- Automatic overdraft protection available
- Monthly membership fee of $9.99
- Customer support only available through email
- Doesn’t accept joint bank accounts
- Instant transfers cost extra as of 2023
Our take on Brigit
Brigit is an app that’s best for employed people who need a little extra help managing their finances. When you’re low on funds, you can request a cash advance of up to $250 to cover you until your next payday. It also has an overdraft feature that alerts you when your bank balance is low and provides automatic overdraft protection.
Brigit automates its repayment process and notifies you 24 hours before your due date, with the payment automatically deducted from your bank account. There are no extra fees or interest charges for this service. And if you run into trouble, Brigit allows you to extend your due date to avoid overdrafting your account.
But while many customers have praised the Brigit app for helping them during lean times, others have complained about glitches with the app and getting charged the monthly fee while being denied advances. Others have complained of difficulty canceling the service when they didn’t need it anymore.
If you’re looking to borrow more than $250, you’ll need to consider your other short-term loan options.
Brigit is an app that allows you to request a cash advance when you’re in danger of overdrafting your bank account. It offers two service levels: A $0 plan with educational features only and a $9.99 monthly plan that offers transfers up to $250 when you’re low on funds, a credit builder tool and $1 million in identity theft protection.
- Borrow up to $250
- Membership costs $9.99/month
- Funding typically in one to three days
Beside regularly using your checking account, to qualify for an advance, you must have:
- A bank account balance greater than $0.
- A cash cushion in your bank account after you get paid.
- A checking account open for more than 60 days with a Brigit-supported bank.
In addition to cash advances, Brigit’s paid monthly subscription features a credit builder tool, credit monitoring and a $1 million in identity-theft protection.
Brigit reviews and complaints
|BBB customer reviews||1.17 out of 5 stars, based on 37 customer reviews|
|BBB customer complaints||226 customer complaints|
|Trustpilot Score||2.1 out of 5 stars, based on 10 customer reviews|
|App Store Score||4.8 out of 5 stars, based on 215,300 customer reviews|
|Google Play Score||4.6 out of 5 stars, based on 114,000 customer reviews|
|Customer reviews verified as of||13 April 2023|
Reviews about Brigit are mixed across Google Play, the App Store and Trustpilot. Some users are happy with the app, reporting quick funds disbursal, responsive customer service and credit-building opportunities.
On the flip side, many users complain of app glitches, extra charges and difficulty canceling their subscriptions. Others think the $9.99 monthly fee is too high in exchange for the low advance amounts offered to them — resulting in the equivalent of high APRs.
Brigit isn’t registered with the Better Business Bureau and has garnered a fair number of complaints over the past three years. Customers complain about unexplained charges, cash advance denials despite paying the monthly fee and memberships not being canceled as requested.
Brigit cash advance vs. payday loan
A Brigit cash advance might be due on your next payday, but that’s where its similarities to a payday loan ends. Here’s how the two stack up:
|Brigit cash advance||Payday loan|
|Borrowing amount||Up to $250||Typically up to $1,000, and most states allow only one at a time|
|Turnaround time||1 to 2 business days||Typically next business day|
|Application process||Sign up through the mobile app, requires connection to an individual checking account||Simple online application, typically requires Social Security number and bank account numbers|
|Costs||$9.99 monthly membership fee||High fees that can equal fees of $15 to $25 per $100 borrowed|
|Availability||Anywhere in the US||Prohibited in some states|
Is Brigit safe to use?
In general, yes — though no app can guarantee your information stays 100% safe. Brigit does its part by using a secure 256-bit encryption system to protect your personal and banking data. And unlike many payday lenders, you don’t need to provide your Social Security number to sign up.
Compare Brigit to other cash advance apps
Compare even more cash advance apps to find the right one for your lifestyle and budgeting needs. View maximum loan amounts, turnaround times and applicable costs and fees.
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