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Brigit
4.2
★★★★★
Finder score
Min. Amount
$50
Max. Amount
$250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee

Summary

Request to have up to $250 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

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question

Details

Product details

Product Name Brigit
Min. Amount $50
Max. Amount $250
Loan Term Varies
Turnaround Time 1 to 3 business days or instant with a Premium subscription or for a fee
Costs $9.99 monthly membership fee, up to $3.99 in express fees
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 $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 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. You can also request an Instant Cash advance outside of the app, by emailing Brigit customer service.
  • 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, though the terms of service indicate you can participate in Credit Builder without paying the membership fee. This membership tier 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 B
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 17 customer reviews
App Store Score 4.8 out of 5 stars, based on 254,200 customer reviews
Google Play Score 4.7 out of 5 stars, based on 152,000 customer reviews
Customer reviews verified as of 03 November 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 $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 advancePayday loan
Borrowing amountUp to $250Typically up to $1,000, and most states allow only one at a time
Turnaround time1 to 2 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$8.99 to $14.99 monthly membership feeHigh fees that can equal fees of $15 to $25 per $100 borrowed
AvailabilityAnywhere in the USProhibited 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.

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.

Name Product Filter Values Max. amount per pay period Turnaround time Costs
EarnIn
Finder Score: 4.7 / 5: ★★★★★
EarnIn
Up to $750 per pay period, but only $100 per day
1 to 3 business days or instant for a fee
Free to use or instant with a fee as low as $3.99.
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Chime SpotMe®
Finder Score: 4.2 / 5: ★★★★★
Chime SpotMe®
Up to $200
Instant
No fee
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Cleo
Finder Score: 4.1 / 5: ★★★★★
Cleo
Up to $250
3 to 4 days standard delivery, instant with delivery fee.
$5.99 monthly membership fee to access cash advances
Automatically monitor your spending plus access cash advances up to $100 at a time.
Sorbet
Not rated yet
Sorbet
Based on the amount of accrued PTO
2 to 5 days
No fee
Tap your unused PTO for a cash advance so you can access that money early. Available in: CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
$1 monthly membership fee and express delivery from $3 to $15 fee
Borrow up to $100 to avoid hefty overdraft fees.
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Compare Brigit with other pay advance apps

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Shanella

October 01, 2019

Why does Brigit ask for $3000 of income?


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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 24, 2019

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


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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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Runny

September 09, 2019

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


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Jhez Finder

September 09, 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.


Regards,

Jhezelyn


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Maire

June 25, 2019

What happens if you do not pay Brigit back?


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Jeni Finder

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!


Cheers,

Jeni


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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.


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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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