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8.4

Finder Score

Great

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Min. Amount: $50
Max. Amount: $500
Turnaround time: 1 to 3 business days or instant with a Premium subscription or for a fee.

Summary

Request to have up to $500 automatically deposited into your account — for a $8.99 to $14.99 membership fee.

Bottom line: Brigit analyzes your finances and offers advances through its Instant Cash product to help you avoid overdraft fees. But the product only lives up to its name if you’re willing to pay up to $3.99 in express fees to have your advance deposited into your account within 20 minutes. And to make your request through the app, you’ll have to pay a $8.99 to $14.99 membership fee. You can technically still request an advance without a membership, but you have to email customer service instead of using the app.

Pros

Due date extensions available
Overdraft predictions
No interest or late fees
Can request advance through customer service for free

Cons

Customer support only through email
Monthly fee for full app experience

Details

Product details

Product Name	Brigit
Min. Amount	$50
Max. Amount	$500
Loan Term	Until your next payday, but can extend
Turnaround Time	1 to 3 business days or instant with a Premium subscription or for a fee.
Costs	Brigit Plus: $8.99/month; Brigit Premium: $14.99/month
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

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 $500 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 $500, you’ll need to consider other short-term loan options or cash advance apps that allow you to request larger amounts.

Brigit Instant Cash overview

Brigit is an app that allows you to request a cash advance through its Instant Cash program when you’re in danger of overdrafting your bank account. It offers three service levels:

Free. Without a subscription, you can use Brigit’s budgeting tools to track your transactions, monitor your account and get alerts when you have a low balance or upcoming expenses.
Brigit Plus. With this tier, you pay $8.99 a month and get more robust budgeting tools, credit monitoring and are able to make your Instant Cash advance requests through the app for a fee. As part of the monitoring tool, you can elect to have Brigit automatically deposit an advance to cover a potential overdraft.
Brigit Premium. This tier adds a Credit Builder program for $14.99 and includes free express delivery.

Instant Cash doesn’t have any fees, including late fees if you can’t pay the amount back in time. But it may require up to three business days to fund the advance. If you need the money sooner, you can elect to pay an express fee, which costs between $0.99 and $3.99, to get your advance within twenty minutes. However, express fees are waived if you have the $14.99/mo Premium plan.

Requirements

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.
Three recurring deposits from the same employer or source.

There’s no credit check required to be eligible for Instant Cash.

Brigit reviews and complaints

BBB accredited	No
BBB rating	A+
BBB customer reviews	4.37 out of 5 stars, based on 966 customer reviews
BBB customer complaints	272 customer complaints
Trustpilot Score	4.5 out of 5 stars, based on 4,183 customer reviews
App Store Score	4.8 out of 5 stars, based on 475,789 customer reviews
Google Play Score	4.8 out of 5 stars, based on 344,791 customer reviews
Customer reviews verified as of	10 April 2026

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 $8.99 to $14.99 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 $500	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	Monthly membership fees range from $8.99 to $14.99	High fees that can equal fees of $15 to $25 per $100 borrowed
Availability	Anywhere in the US

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.

Beyond its security system, its privacy policy outlines what kinds of information it collects, how it’s used and whether it’s shared. If you decide you no longer want to use Brigit, its privacy policy also explains what information is deleted and what’s retained.

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.

7 of 7 results

Finder Score	Max. amount per pay period	Turnaround time	Costs
9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	Free to use or within minutes with a fee as low as $3.99 per transfer	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Important information EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.	Go to site View details Compare product selectionCompare	loading
8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	$5.99 monthly membership fee to access cash advances	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Chime® MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions. MyPay is only offered in select states.	Important information MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 02/26/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Credit Builder: Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	99% - 195% APR	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Important information The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 99% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.	Go to site View details Compare product selectionCompare	loading
8.8 Great Albert Instant	8.8 Great	$25 to $1,000	Within minutes	No subscription required	Advance up to $1,000 in minutes with Albert Instant.	Important information Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Varo Cash Advance	9.4 Excellent	Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.	Instant, once qualified	No membership fees, Flat Fees of $1.60 to $100	Important information Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.	Go to site View details Compare product selectionCompare	loading
9.1 Excellent CreditNinja Installment loan	9.1 Excellent	$300 to $5,000	1 to 2 business days	APRs over 36% plus fees	Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV. Fast online funding up to $5K, but you won't know about rates and terms until after you apply.	Go to site View details Compare product selectionCompare	loading

Showing 7 of 7 results

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The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full breakdown

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Shanella

October 01, 2019

Why does Brigit ask for $3000 of income?

Charisse Finder

October 03, 2019

Hi Shanella,

Thanks for reaching out to Finder.

While Brigit did not provide any explanation as to why they require an income of $3000, generally, having a specific income requirement is a way for lenders to ensure their borrowers have the capacity to repay their loan/cash advance.

I hope this helps.

Cheers,

Charisee

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Dorkas

September 23, 2019

Does Brigit or any of these type of services accept disability pay?

Jhez Finder

September 24, 2019

Hi Dorkas,

Thank you for your comment.

I am sorry to inform you that advance pay apps do not provide services to pensions and disability pay. An applicant must be gainfully employed and should be working regular hours. You may refer to the eligibility criteria for the advance pay apps.

Please note that some apps may also require you to work for a specific employer or make a minimum amount of money each month to qualify.

Regards,

Jhezelyn

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Sharnique

June 05, 2019

Can I use my RushCard prepaid debit card? My income is $1400 a month, I can provide bank statements.

Jhez Finder

June 05, 2019

Hello Sharnique,

Thank you for your comment.

As long as you meet the eligibility criteria and the requirements, you can definitely apply for a Brigit Pay. Please follow the steps, found above, on how to use the Brigit app. Yes, the RushCard prepaid debit visa card is accepted.

Regards,

Jhezelyn

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Nakasha

May 08, 2019

Do you all accept Greenville Federal credit union? I can find it in the app search.

Jeni Finder

May 08, 2019

Hi Nakasha,

Thank you for getting in touch with Finder.

Brigit works with over 6,000 banks and credit unions. If you find Greenville Federal credit union on its app then Brigit pay accepts the said institution. If your bank does not appear, Brigit does not support that bank.

I hope this helps.

Thank you and have a wonderful day!

Cheers,

Jeni

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Brigit App Review: Cash Advance With a Paid Subscription (2026)

Pros

Cons

Our take on Brigit

Brigit Instant Cash overview

Requirements

Brigit reviews and complaints

Brigit cash advance vs. payday loan

Is Brigit safe to use?

Compare Brigit to other cash advance apps

What is the Finder Score?

Your reviews

Advertiser disclosure