How long does it take Brigit to deposit money?
One to two business days.
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Brigit pay advance app review
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
finder.com’s rating: 3.5 / 5.0
★★★★★
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.
$250
Max. Amount
Same business day to 2 business days
Turnaround time
Details
| Product Name | Brigit |
|---|---|
| Max. Amount | $250 |
| Loan Term | Varies |
| Turnaround Time | Same business day to 2 business days |
| Costs | $9.99 monthly membership fee |
| Requirements | Have an active checking account |
Pros
- 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
Cons
- Monthly membership fee of $9.99
- Customer support only available through email
- Doesn’t accept joint bank accounts
How much does it cost to use Brigit?
Brigit charges a $9.99 monthly membership fee to take out an advance. You won’t have to pay any interest, and even if you can’t make a payment, you won’t be on the hook for any late fees.
These are two features that set Brigit apart from other short-term lenders. But other apps offer similar services for an optional tip and no monthly fee.
How does Brigit work?
Brigit is an app that allows you to request a pay advance when you’re in danger of overdrafting your bank account. It connects to your bank account, analyzes your expenses and notifies you when you’re running low on funds. At this point, it offers you a personalized advance of up. to $250 to cover you until your next payday.
You can even enable automatic advances if you don’t have time to think about your finances. If you’re running low, Brigit automatically deposits the money you need into your bank account. Typically it takes one. to two business days for the money to show up in your account.
How repayments work with Brigit
Brigit automates its repayment process to keep things easy. You’ll be notified 24 hours before your due date, and your payment is automatically deducted from your bank account. There are no fees or interest charges. And if you run into trouble, Brigit allows you to extend your due date to avoid overdrafting your account.
It takes two to three business days for Brigit to process your payment. After that, you’ll be notified by text that your payment has gone through. At this point, you’re free to take out another advance whenever you need it.
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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 is retained.
What are users saying about Brigit?
Brigit may not have a Better Business Bureau or Trustpilot page, but it does have thousands of positive reviews on the App Store and Google Play. It earns 4.8 out of 5 stars based on nearly 11,000 iPhone customers and a 4.2-out-of-5-star rating from over 2,000 Android users.
While some reviewers had issues connecting their bank accounts or getting answers back from Brigit’s customer service team, most praised the company for how easy it was to take out an advance. And even more loved Brigit’s predictive technology that helped them avoid overdraft fees.
Brigit pay advance vs. payday loan
A Brigit pay 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 pay advance | Payday loan | |
|---|---|---|
| Borrowing amount | Up to $250 | Typically up to $1,000, and most states allow only one at a time |
| Turnaround time | One to two 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 |
How do I use the app?
Follow these steps to sign up with Brigit:
- Visit the App Store or Google Play and download Brigit.
- Once installed, click Sign Up.
- Enter your email address and phone number.
- Wait for your six-digit code and enter it into the Brigit app.
- Set a four-digit pin, which will be used for extra security when logging on.
- Enter your first and last name, then select your state of residence.
- Confirm your bank account qualifies, then connect it to the Brigit app. It may take a few minutes.
- Add your paychecks from your employer and select your pay schedule.
Once you’ve started your account, you can sign up for Safety Net membership — which costs $9.99 a month — to qualify for pay advances from Brigit.
How do I know if I’m eligible to use Brigit?
To qualify for an advance, you’ll need to meet a few eligibility requirements:
- Have money left in your bank account two days after you get paid.
- Have an average paycheck greater than $400.
- Receive at least $1,500 per month from the same employer.
- Have at least three recurring direct deposits from your employer.
- Have a bank account balance greater than $0.
- Use your checking account frequently.
- Have a checking account with a bank that’s supported by Brigit.
- Have a checking account that’s at least 60 days old.
More about Brigit
Brigit was founded in 2017 with a mission to help people with poor credit get access to small advances. It believes these advances can make the difference between hundreds of dollars in overdraft fees and a healthy bank account. The app has over 250,000 users — many of whom have left positive reviews about how it’s helped change their finances for the better.
Should I use the Brigit app?
Brigit is a handy tool if you need a little extra cash to get by until your next payday. Its membership fee isn’t too steep — especially compared to the cost of multiple overdraft fees — and it gets rave reviews.
But if you’re looking to borrow more than $250, you’ll need to consider your other short-term loan options.
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