Brigit pay advance app review

Have up to $250 automatically deposited into your account — for a $9.99 membership fee.’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.


Max. Amount

Same business day to 2 business days

Turnaround time


Product NameBrigit
Max. Amount$250
Loan TermVaries
Turnaround TimeSame business day to 2 business days
Costs$9.99 monthly membership fee
RequirementsHave an active checking account
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  • 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

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 long does it take Brigit to deposit money?

One to two business days.

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.

Compare pay advance apps

Name Product Filter Values Max. amount per pay period Turnaround time Costs
B9 pay advance app
Up to 100% of your salary
Withdraw 100% of your paycheck with no extra fee for instant funding.
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As fast as 1 business day
Rates vary by state, though you’ll likely be charged around $15 or $20 per $100 borrowed.
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
Same business day to 2 business days
$9.99 monthly membership fee
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.

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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 advancePayday loan
Borrowing amountUp to $250Typically up to $1,000, and most states allow only one at a time
Turnaround timeOne to two business daysTypically next business day
Application processSign up through the mobile app, requires connection to an individual checking accountSimple online application, typically requires Social Security number and bank account numbers
Costs$9.99 monthly membership feeHigh fees that can equal fees of $15 to $25 per $100 borrowed
AvailabilityAnywhere in the USProhibited in some states

How do I use the app?

Follow these steps to sign up with Brigit:

  1. Visit the App Store or Google Play and download Brigit.
  2. Once installed, click Sign Up.
  3. Enter your email address and phone number.
  4. Wait for your six-digit code and enter it into the Brigit app.
  5. Set a four-digit pin, which will be used for extra security when logging on.
  6. Enter your first and last name, then select your state of residence.
  7. Confirm your bank account qualifies, then connect it to the Brigit app. It may take a few minutes.
  8. 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.

Frequently asked questions

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    Default Gravatar
    October 1, 2019

    Why does Brigit ask for $3000 of income?

      Avatarfinder Customer Care
      October 3, 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.


    Default Gravatar
    September 24, 2019

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

      Avatarfinder Customer Care
      September 25, 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.


    Default Gravatar
    September 10, 2019

    What happens if I don’t pay them back? Will it effect my credit score ?

      Avatarfinder Customer Care
      September 10, 2019

      Hello Runny,

      Thank you for your comment.

      Yes, it will definitely affect your credit score. Defaulting happens when you can’t pay back your loans on time. This can cause your credit score to plummet, your wages to be garnished and future loans to have high-interest rates.

      You may refer to our article on what could happen if you don’t pay back your payday loan.


    Default Gravatar
    June 26, 2019

    What happens if you do not pay Brigit back?

      Avatarfinder Customer Care
      June 26, 2019

      Hi Maire,

      Thank you for getting in touch with Finder.

      With Brigit, if you cannot repay on your due date, you can extend it using an extension credit. Please note that Brigit connects to your bank account and once you default payment with them they will keep on trying to deduct the amount a few more times. Each time the payment is returned for insufficient funds, your bank will charge an insufficient funds fee which might put you into deeper debt with your bank and at the same time Brigit is trying to collect payment for your loan.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    June 5, 2019

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

      Avatarfinder Customer Care
      June 6, 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.


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