Brigit pay advance app review March 2019 | finder.com
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Brigit pay advance app review

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

The Brigit app is designed to help you avoid paying overdraft fees or taking out expensive payday loans. You can borrow up to $250, but it comes at a cost: There’s a monthly membership fee, and Brigit may take a few days to get the funds into your account.

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 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.

  • Maximum withdrawal: $250
  • Cost: $9.99 monthly membership fee
  • Turnaround: Up to two business days

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 Brigit to online short-term lenders

Rates last updated March 26th, 2019
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Compare Brigit with other pay advance apps

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.

What are the pros and cons of Brigit?

Pros

  • Due date extensions available. Struggling to repay your advance? Brigit allows you to extend your due date up to three times.
  • Overdraft predictions. When you connect Brigit to your bank account, it analyzes your spending habits and sends notifications when you’re at risk of overdrafting.
  • No interest or late fees. You won’t pay interest on any advance you take out, nor will you be on the hook for late fees.

Cons

  • Customer support only through email. If you need to get in touch with Brigit to solve an account issue or answer a question, you’ll can only contact its staff through email — and it could take two business days to get a response.
  • Monthly fee. Unlike some pay advance apps that only require you to tip, Brigit charges a $9.99 monthly membership fee — even if you don’t need a pay advance that month.
  • No joint bank accounts. You need to have an individual checking account that’s at least 60 days old and receives direct deposits to qualify for Brigit.

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 interest rate 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.

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