Is Brigit Legit & Worth It? – Our Honest Review

Brigit is a popular cash advance app that has over 7 million users. And it lets members borrow money against an upcoming paycheck while also building their credit.

But is the Brigit app worth using? And how does this app compare to its competitors in terms of fees and features?

Our Brigit review is sharing how this app works, its pros and cons, and how to ultimately decide if it's the best choice for you.

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Key Takeaways:

• Brigit is a cash advance app that offers interest free advances between $50 to $250
• The app also offers other financial tools that can help you save money and build credit
• Users must pay for Brigit Plus, which costs $8.99 per month, to take out a cash advance
• The app doesn't require credit checks and doesn't charge interest
• We think Brigit is good if you want to also build your credit, but isn't worth it just for advances

Is Brigit Legit?

Brigit is legit and has over 7 million users and is one of the most popular cash advance apps on the market. It's also highly rated, with a 4.1 star rating on Google Play and 4.8 star rating on the Apple App Store.

The app is similar to other borrowing solutions like EarnIn and Dave. And cash advances range from $50 to $250, which can help you out if you need to pay rent or bills with short notice.

The app is also known for its credit building tools. However, Brigit has recently come under scrutiny of the Federal Trade Commision (FTC) for misleading business practices regarding their loans. And most negative reviews come from users who are unhappy about fees or their low advance limits, so keep this in mind.

What Is Brigit & What Does It Offer?

Brigit is a financial services app that specializes in cash advances and helping people improve their credit score.

The company has over 7 million members, and its app is available for Android and iOS. Signing up just requires your email, and there's no credit check requirement. If you're 18 or older and live in the United States, you can become a member too.

The app is best known for its cash advance feature. It has a relatively small limit of $50 to $250 per paycheck period, which is similar to options like Cleo and Super.com. So, you can use the app to borrow money against your future paycheck to help make ends meet.

There's plenty of other tools too, so I'll cover Brigit's main features and then its pricing structure.

Brigit Instant Cash

Brigit offers cash advances between $50 to $250 without charging any interest or running a credit check. And you can get your advance within a few minutes if you pay an express deposit fee.

You have to connect your bank account to your Brigit account to qualify for an advance. Brigit reviews bank accounts and assigns a score based on the health of their account, their past spending behavior, and your earnings history. Users need a score of 40 or higher to qualify for a cash advance from Brigit.

The higher your score, the more you can advance. Users who repay their Brigit loans promptly can be eligible for larger cash advance loan amounts  in the future. And there's even an auto-advance feature that can help you avoid overdraft fees by advancing money for you.

Just note you need regular paychecks coming in every month from the same source to qualify for an advance. If you're a gig worker or unemployed, you likely won't qualify for a Brigit cash advance.

Brigit Credit Builder

Brigit's Credit Builder is its other main tool alongside cash advances.

With this account, you decide how much money to set aside each month. Brigit reports this “saved” amount as repayments on a credit builder installment loan to all three major credit bureaus, Experian, Equifax, and TransUnion.

As you successfully put money aside, you can increase your credit score. And at the end of your loan term, Brigit gives your savings back to you.

This account costs as little as $1 per month and doesn't run a hard credit check. You might see a small dip in your score when you first open an account, but on-time payments should slowly increase your score.

This feature also comes with up to $1 million dollars in identity theft reimbursement. This includes lost wallet assistance and restoration services. But the main point of this product is to improve your credit score.

Pro Tip: Get your updated credit score and ongoing monitoring from CheckFreeScore!

Financial Helper

Trying to stick to a budget and looking for tools to help? Brigit has a feature that can keep an eye on your earnings and habits.

The Financial Helper feature is available on free Brigit plans. You just connect your bank account to Brigit for a breakdown of your spending habits, upcoming bills, and a category-breakdown of your expenses.

I think budgeting apps like Rocket Money are better if you're just looking for budgeting help. But it's nice that Brigit encourages its members to save extra money.

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Brigit Earn & Save

Brigit's Earn & Save tool helps people find new side hustles and ways to save money. This includes part-time gigs, paid surveys, gig economy jobs, passive income ideas, and much more.

This is useful if you're brand new to hustling, but a lot of the ideas are ones you've probably heard about. You can also check out our official side hustle database for a more comprehensive list.

How Much Does Brigit Cost?

Brigit has 3 pricing plans available, a free plan, a plus plan, and a premium plan. Here's how the price plans differ to help you pick the plan for you:

	Brigit Free	Brigit Plus	Brigit Premium
Monthly Cost	$0	$8.99	$14.99
Financial Helper	Yes	Yes	Yes
Instant Cash Advances	No	Yes	Yes
Earn & Save	Yes	Yes	Yes
Credit Monitoring	No	Yes	Yes
Credit Building	No	No	Yes
Identity Theft Protection	No	No	Yes
Free Express Delivery	No	No	Yes

As you can see, you need to pay at least $8.99 per month for Brigit Plus to unlock cash advances. This is why the team at WebMonkey prefers EarnIn, since it doesn't charge membership fees and has a $750 limit.

That said, Brigit doesn't ask for tips like many of its competitors. It doesn't charge interest or late fees either. However, it charges Express Fees of $0.99 to $3.99 based on your advance amount if you want your money instantly. Otherwise, you can wait a few business days for a free cash advance.

Brigit Cash Advance Requirements & Eligibility

Brigit's cash advance requirements you need to meet to be eligible for an advance include:

• Being a legal resident or citizen of the United States
• Being 18 years or older
• Having a checking account that is at least 60 days old with a partnering bank
• Having account balance must be larger than $0
• At least 3 recurring deposits from the same source per month
• Having a cash balance after receiving a paycheck to show you can pay back the advance

While Brigit does partner with over 6,000 credit unions and banks, not all banking institutions qualify. When completing their form, if your bank does not appear, Brigit does not support your bank at this time. 

Individuals who have irregular pay period schedules or who receive paper checks or cash transfers do not qualify for Brigit cash advances at this time. In this case, we suggest trying Cleo or Klover since both these apps have more lenient requirements.

Is Brigit Safe?

Yes, Brigit is safe and is a well established lending app that has millions of users. Despite a FTC settlement regarding lending practices, users seem mainly pleased with the services they have received from this company.

Brigit does collect customer data and uses it for some marketing purposes including with their partners. Not all users may be comfortable with this, so keep this in mind before signing up.

How Does The Brigit App Work?

Want to apply for a cash advance from Brigit? Here’s how the steps from from start to finish:

1. Download the Brigit app from the App Store or Google play
2. Create a free Brigit account which includes connecting a bank account
3. Brigit reviews the account and give you a score that determines the amount of your cash advance
4. Users who qualify need to subscribe to one of the Brigit paid plans
5. Brigit tells you your cash advance limit
6. Users confirm repayment information 
7. If the user agrees, the cash advance will be sent via the bank account
8. A notification reminder will be sent 1 day before the payment is due
9. Brigit will withdraw the amount of the cash advance for repayment on the scheduled date

Pros & Cons

Pros:

• Brigit doesn't require a credit check
• Offers numerous features besides cash advances
• Decent $50 to $250 advance limit
• Low express deposit fees

Cons:

• Brigit requires a paid monthly plan for most fees
• Expensive monthly plans
• Not all users qualify for cash advances

The Best Apps Like Brigit

If you're looking for a solution to build your credit and take out advances, then Brigit could be for you. However, we think its monthly Plus plan is a bit expensive if all you want are advances.

Plus, there are plenty of great Brigit app alternatives, including:

• EarnIn (best overall)
• Cleo (best for gig workers)
• Super.com (best for cash-back)
• Dave (best for side hustlers)
• Yendo (best for vehicle owners)
• Current (best for banking/saving)
• MoneyLion (best for personal loans)

Again, EarnIn is our number one pick at WebMonkey. But Brigit is setting itself apart from the competition with its focus on credit building.

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Other Brigit App Reviews From Customers

On Trustpilot, Brigit has an excellent level rating with 4.5 out of 5 stars. Reviewers seem pleased with Brigit’s customer service and the prompt speed in which they receive their loans. And most negative reviews come from users who have issues connecting their bank account or qualifying for an advance.

Brigit has a B rating with the Better Business Bureau with 4.13 out of 5 stars. Reviewers here seem to have more frustrations with Brigit, primarily because the app did not give them as much money as they had hoped.

Is There Customer Service?

To contact Brigit customer service, you can communicate with their chatbot (known as Jess). You can also email Brigit directly at [email protected] or call them at (855) 885-5522. HelloBrigit is active on social media and you may be able to send them a message there as well.

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Is Brigit Worth It?

Brigit is worth it if you want an effective cash advance app that also helps you build your credit score. However, if you just want an advance, we think there are more affordable options on the market.

Brigit Plus' $8.99 monthly fee is a bit steep. Again, it could be worth it if you also want its credit score products, but as a standalone cash advance app, we prefer EarnIn.

Hopefully, our Brigit review helps you decide if this is the right financial app for you.

Want even more ideas to earn and save? Checkout:

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