Is Brigit Legit? Cash Advance and App Review [2025]

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4.6 _/5

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Our take: Brigit delivers good value for users who want predictable costs and flexible repayment. With one monthly plan, you can access cash advances, budgeting insights, and credit-building features.

Fintech App with Cash Advance

• Repay your advance with your next paycheck or select a new date
• Access other personal finance tools to manage your budget
• No late fees
• Signing up doesn’t affect your credit score

• Requires a monthly subscription

Funding	$25 – $500
Speed of advance	1 – 3 business days (Instant w/ fee)
Fees for standard advance	$8.99 (Plus) or $14.99 (Premium) monthly subscription
Added fees for instant transfer	+ $0.99 – $3.99 for instant advance (Plus plan only; no add’l. fees for Premium subscribers)

Table of Contents

1. What is Brigit?
2. How does Brigit work? Key features
   1. Instant Cash
   2. Credit Builder
   3. Credit monitoring
   4. Identity theft protection
   5. Finance Helper
   6. Earn & Save
3. How a Brigit cash advance works
4. How much does the Brigit app cost?
   1. Free, Plus, and Premium plans
   2. What each plan includes
   3. Example costs for a $100 advance
5. How to repay Brigit’s cash advance
   1. How long does Brigit take to process repayment?
   2. Will Brigit’s advance cause an overdraft fee?
   3. What happens if you don’t pay Brigit back?
6. Is Brigit safe?
7. Requirements
8. Pros and cons
9. Alternatives
   1. Brigit vs. EarnIn
   2. Brigit vs. Tilt
10. Is Brigit legit? App reviews from customers
11. How to get a Brigit cash advance
12. FAQ

What is Brigit?

Brigit is a financial app that launched in 2019 with a clear goal: to help everyday people stay on top of their money and avoid those frustrating (and expensive) overdraft fees. It’s designed for folks who might be living paycheck to paycheck and just need a little extra support to keep things running smoothly.

The app does plenty—it helps with budgeting, monitors your credit, and even offers credit builder loans—but the cash advance feature, called Instant Cash, is where it really stands out. If Brigit sees you’re at risk of overdrafting, it can send you up to $250 automatically to cover the gap. No interest, no tips, and no late fees. It’s a great option if you want a safety net without turning to payday loans or racking up overdraft charges.

How does Brigit work? Key features

Instant Cash

Brigit’s Instant Cash feature lets you request up to $250 (and in some cases up to $500) to help cover short-term expenses. There’s no credit check, interest, or late fees. Standard delivery takes two to three business days, or you can use Express Delivery to get funds within minutes for a small fee. Premium subscribers get free instant delivery.

Credit Builder

Brigit’s Credit Builder is a 24-month installment loan that helps you build your credit while saving money. You won’t receive the funds upfront—instead, part of each monthly payment goes into a secured savings account, and Brigit reports your on-time payments to the three major credit bureaus. There’s no credit check, deposit, or interest required, and payments start as low as $1 per month.

Credit monitoring

Brigit includes access to your credit score and full credit report, with ongoing updates so you can track your progress over time. It’s a useful tool for keeping tabs on your financial health alongside the Credit Builder program.

Identity theft protection

Premium and Plus plans include up to $1 million in identity theft protection, along with credit monitoring, lost-wallet assistance, and identity restoration services. Brigit also uses 256-bit encryption to protect user data and never sells personal information to third parties.

Finance Helper

This feature provides detailed spending insights, bill forecasts, and category-based budgeting tools to help you manage your money more effectively. Brigit tracks your recurring expenses and income trends, predicts potential overdrafts, and suggests ways to stay on top of your bills.

Earn & Save

Brigit’s Earn & Save hub helps you find ways to earn extra cash and save on everyday expenses. Through in-app partnerships, you can explore side gigs, surveys, and discounts on products like insurance or personal loans—all designed to help you make the most of your income.

How a Brigit cash advance works

Brigit’s Instant Cash feature provides short-term advances to help you bridge gaps between paychecks. Here’s what to expect:

Detail	What to know
Advance amount	$25 – $500, depending on account history and income. Average advance: $73 (Feb 2018–Jul 2025). Not all users qualify.
Funding time	Express Delivery: In as little as 20 minutes (small fee). Standard Delivery: 2–3 business days (free). Premium users get free Express Delivery.
Interest or fees	No interest, tips, or late fees. Requires a Plus ($8.99/mo) or Premium ($15.99/mo) plan for Instant Cash access.
Credit check	None required. Cash advances don’t affect your credit score.
Repayment	Automatically withdrawn on your next expected payday. If your balance is low, Brigit will retry later—no late fees.
Use of funds	No restrictions—use for bills, groceries, gas, or other short-term needs.

How much does the Brigit app cost?

Brigit does not charge interest, tips, or late fees. Instead, it uses a monthly subscription model that unlocks access to its cash advances and other tools. There are three membership levels depending on how you plan to use the app.

Free, Plus, and Premium plans

Plan	Monthly cost
Free	$0
Plus	$8.99
Premium	$14.99

What each plan includes

Feature	Free	Plus	Premium
Instant Cash	Not included	Yes	Yes
Express Delivery	Not available	$0.99–$3.99 per transfer	Free
Credit Builder	Not included	Not included	Yes
Credit Monitoring	Not included	Yes	Yes
Identity Theft Protection	Not included	Yes	Yes
Finance Helper	Yes	Yes	Yes
Earn & Save	Yes	Yes	Yes

The free plan is designed for budgeting and tracking expenses through Brigit’s Finance Helper tools. To borrow money through Instant Cash, you need a Plus or Premium membership.

Plus members can get funds in minutes for a small delivery fee. Premium members receive free express delivery and additional features like Credit Builder and identity protection.

Example costs for a $100 advance

Scenario	Delivery time	Plan	Total cost
Standard delivery	2–3 business days	Plus ($8.99)	$8.99
Instant delivery (Plus)	About 20 minutes	Plus ($8.99 + $2.99 fee)	$11.98
Instant delivery (Premium)	About 20 minutes	Premium ($14.99)	$14.99

If you only need the occasional advance and do not mind waiting a few days, the Plus plan with standard delivery is the lowest-cost option. If you expect to use Instant Cash often or want access to credit building, Premium may be the better long-term choice since it includes free express transfers and extra security features.

Brigit’s pricing is in line with other leading cash advance apps. Some competitors use optional tipping instead of a subscription, while others charge both a membership and delivery fee. For people who plan to use advances regularly, Brigit’s flat monthly cost can offer better value over time.

How to repay Brigit’s cash advance

Repayment flexibility is one of Brigit’s biggest strengths. When you take a cash advance, the app automatically schedules repayment for your next expected payday and withdraws the funds from your linked bank account. You don’t need to make manual payments, but you still have full control over timing.

If your paycheck is delayed or your balance is lower than expected, you can move your repayment date directly in the app. That ability to adjust due dates without penalty is what makes Brigit a good fit for people whose income isn’t always predictable.

Brigit never charges late fees. If your account doesn’t have enough money on the repayment date, the app will simply try again later. This gives you some breathing room and reduces the risk of overdrawing your account.

How long does Brigit take to process repayment?

Once repayment is initiated, it usually clears within one to three business days. You can track the transaction in the Brigit app and through your bank account once it posts.

Will Brigit’s advance cause an overdraft fee?

Brigit’s repayment process is designed to help you avoid overdraft fees. The app predicts your next payday and schedules repayment when funds should be available.

However, if your bank processes a withdrawal while your balance is low, your bank—not Brigit—could still charge an overdraft fee. To prevent this, it’s best to keep an eye on your balance and adjust your repayment date if your paycheck is delayed.

What happens if you don’t pay Brigit back?

If you can’t repay an advance, Brigit will temporarily limit your access to future cash advances until your balance is cleared. The company does not charge late fees or send unpaid accounts to collections, but keeping your account in good standing helps ensure continued access to Instant Cash.

Is Brigit safe?

Yes, Brigit is generally safe to use. The app protects your information with 256-bit bank-level encryption, the same standard used by major banks, and supports two-factor authentication for extra security.

When you connect your bank account, Brigit only uses read-only access to review your deposits and spending. It can’t move money without your permission. It also automatically logs you out to help keep your data private.

That said, linking any financial app to your bank means you’re sharing sensitive info, so always double-check you’re downloading the official Brigit app and keep your login details secure.

Brigit requirements

To qualify for a Brigit cash advance, you’ll need to meet a few basic eligibility requirements. While Brigit doesn’t perform a credit check, it evaluates your application using its own internal model—called the Brigit Score—which ranges from 0 to 100. You’ll need a score of at least 40 to qualify.

Here’s what Brigit looks for:

• Employment status: Must earn regular income via direct deposit
• State of residence: Available in most states (check the app for specific availability)
• Minimum age: 18 years or older
• Minimum credit score: None required
• Minimum income: Not disclosed, but you must have at least three recurring deposits from the same source
• Brigit membership: A paid Plus or Premium membership is required to access Instant Cash (free users do not qualify for advances)

Brigit’s bank account requirements:

• Must be active for at least 60 days
• Must maintain a positive balance
• Must meet a minimum average end-of-payday balance

Brigit’s eligibility criteria are fairly standard compared to other cash advance apps. Like most competitors, it doesn’t require a credit check and uses banking history to determine eligibility.

Its $0 balance tolerance and 60-day account age requirement are similar to those of other top-rated cash advance apps, including EarnIn and MoneyLion. However, some apps may allow advances with fewer recurring deposits or more flexible income sources, such as gig work.

Pros and cons of Brigit’s cash advance

Whether you should use Brigit depends on the situation and whether it’s a fit for your needs. Consider these pros and cons.

Pros

• Fast funding available

  Requires Plus or Premium; Plus users pay an additional fee

• No credit check

  Accessible to those with poor or limited credit

• Avoid overdraft fees

  Automatic advances trigger when Brigit thinks you’ll overdraft

• Budgeting tools

  Available to all customers

Cons

• Subscription required for certain features

  Including Instant Cash

• Maximum advance is $250

  Lower than many competitors

• Must pay off outstanding advance before requesting a new one

  This can make paid memberships seem less effective than an app that charges per transfer

Brigit is best used to bridge gaps in your budget and avoid overdraft fees. It’s not intended as a long-term borrowing solution, and the $250 limit means it won’t work for larger expenses.

If your budget regularly falls short, focus on increasing your income or cutting back on expenses.

Alternatives to Brigit

Brigit’s loan amounts are smaller than many competitors, but its repayment flexibility and bundled tools set it apart.

Brigit vs. EarnIn

EarnIn offers higher advance limits and no subscription, but you can’t adjust your repayment date. Brigit gives you more control over when to pay back your advance and includes budgeting and credit tools.

Brigit vs. Tilt

Tilt’s structure is similar to Brigit’s Plus plan but offers fewer features. Brigit may cost slightly more, but it includes identity protection, credit monitoring, and free express delivery for Premium members.

Overall, Brigit’s Premium plan can be more cost-effective for frequent users since it waives instant transfer fees and offers flexible repayment terms that others don’t.

Is Brigit legit? App reviews from customers

Source	Customer rating	Number of reviews
Trustpilot	4.5/5	3,346
Google Play	4.8/5	300K
App Store	4.8/5	420.4K
Better Business Bureau (BBB)	4.35/5	873

Brigit earns high marks from users, especially in the app stores, where it has hundreds of thousands of positive reviews. Most users praise the app’s ease of use and appreciate the extra cushion it provides between paychecks.

However, there’s one major red flag to keep in mind: In November 2023, the Federal Trade Commission (FTC) filed a complaint against Brigit for deceptive marketing. The FTC alleged that the company misled users about Instant Cash advances and made it difficult to cancel the monthly membership. Brigit agreed to settle, paying $18 million in refunds and promising to improve its marketing and cancellation process.

Our take: Brigit’s user ratings suggest the app delivers value for many people, but the FTC action raises valid concerns about transparency and user experience. We recommend reading the fine print carefully and keeping an eye on your subscription status if you sign up.

Read more about the BBB warning.

How to get a Brigit cash advance

Getting a cash advance through Brigit is straightforward and may only take a few minutes. 

Here’s how it works:

1. Select a plan: To get started, sign up and select a free or paid plan. 
2. Link a bank account: You must link a bank account to Brigit to borrow money.
3. Request a cash advance:  If approved, you can request a cash advance of $25 to $500, depending on your limit.
Not all users will qualify. Advances range $25-$500, avg advance $73 from 2/2018 to 7/2025. ME: $25-$250 only. Express transfer fee may apply. Monthly $8.99 subscription may apply. Cancel anytime.
4. Choose your repayment date: You can also choose your repayment date, which is typically your next payday. If you can’t repay the loan on time, Brigit will let you select a new due date with no late fees. However, it notes that you must repay your advance before you can request another one.

Brigit cash advance FAQ

How do you contact Brigit’s customer service?

Brigit’s AI Agent, Sonny, is available 24/7 at [email protected]. If you can’t get the assistance you need, a member of the team will get back to you within 24 hours.

Why won’t Brigit let you advance?

Brigit might not permit an advance for several reasons. You might not meet the qualifying criteria, which include a stable income of at least $1,500 per month, consistent usage of your checking account, and a low risk of overdrafting. Also, if you already have a cash advance through Brigit, you can’t take another until you repay the first.

How we rated Brigit

Since 2023, LendEDU has evaluated personal finance apps to help readers find the best cash advance solutions. Our latest analysis reviewed 180 data points from 9 apps and financial institutions, with 20 data points collected from each. This information is gathered from company websites, online applications, public disclosures, customer reviews, and direct communication with company representatives.

These star ratings help us determine which companies are best for different situations. We don’t believe two companies can be the best for the same purpose, so we only show each best-for designation once.

_{1. EarnIn is a financial technology company, not a bank. Banking services are provided by our bank partners on certain products other than Cash Out. 1A pay period is the time between your paychecks, such as weekly, biweekly, or monthly. EarnIn determines your daily and pay period limits (“Daily Max” and “Pay Period Max”) based on your income and financial risk factors as outlined in the Cash Out Maxes section of our Cash Out User Agreement. EarnIn reserves the right to adjust the Daily Max and Pay Period Max at its discretion. Your actual Daily Max will be displayed in your EarnIn account before each Cash Out. EarnIn does not charge interest on Cash Outs or mandatory fees for standard transfers, which usually take 1-2 business days. For faster transfers, you can choose the Lightning Speed option and pay a fee to receive funds within 30 minutes. Lightning Speed may not be available at all times and/or to all customers. Restrictions and terms apply; see the Lightning Speed Fee Table and Cash Out User Agreement for details and eligibility requirements. Tips are optional and do not affect the quality or availability of services.}

_{2. Lightning Speed is an optional service that allows you to expedite the transfer of funds for a fee. Depending on the product, the fee may be charged by EarnIn or its banking partner. Lightning Speed may not be available in all states and/or to all customers. Restrictions and terms apply. See the Lightning Speed Fee Table for details.}