Brigit Cash Advance Review 2025: Flexible Repayment and No Late Fees

Best for Repayment Flexibility

4.3 _/5

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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	Up to $250
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)

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 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.

Table of Contents

1. How Brigit’s cash advance works
2. Brigit’s other personal finance tools
   1. Credit Builder
   2. Finance Helper
   3. Earn & Save
3. Who’s eligible?
4. What are the costs?
5. FAQ

How Brigit’s cash advance works

Here are all the details of Brigit’s cash advance feature.

Advance amount

Brigit offers cash advances between $50 and $250, depending on your financial activity and account history. The exact amount you qualify for may vary, but it’s meant to be just enough to help cover short-term gaps—like a surprise bill or groceries before payday.

Funding time

Need money fast? Brigit’s Instant Cash can arrive in as little as 20 minutes with Express Delivery. If you’re not in a rush, standard delivery takes about two to three business days and is completely free.

Interest rates

Good news here: Brigit doesn’t charge interest on its cash advances. That means no compounding costs or unexpected charges down the road.

Cost and fees

To access cash advances, you’ll need a paid plan—either Plus at $8.99 per month or Premium at $14.99 per month. Instant delivery is free for Premium users, while Plus members pay a small fee of $0.99 to $3.99 per advance. A free plan is available, but it doesn’t include access to Instant Cash.

Credit score impact

Brigit doesn’t check your credit to approve a cash advance, and taking one won’t hurt your credit score. That makes it a solid option if you’re trying to avoid hard pulls or don’t have strong credit.

Repayment schedule and terms

Brigit typically withdraws repayment automatically on your next payday, though the exact schedule may vary based on your deposit history. You won’t pay late fees if your account doesn’t have enough funds—just make sure to keep your account in good standing to continue using the service.

Use of funds

There are no restrictions on how you use your Brigit cash advance. Whether it’s an unexpected bill, groceries, gas, or just a little breathing room before your paycheck hits, Brigit leaves it up to you.

Brigit’s other personal finance tools

While cash advances are Brigit’s main draw, the app also offers tools to help you build credit, budget smarter, and boost your income.

Credit Builder

Brigit’s Credit Builder is a 24-month installment loan designed to help you improve your credit and save at the same time. You don’t get the loan upfront—instead, part of your monthly payment goes toward a savings account, while the rest is reported to the credit bureaus to build your credit history.

Finance Helper

This feature gives you spending insights, bill forecasts, and category-based budgeting to help you stay on top of your finances. It can spot upcoming bills, track trends, and even suggest where to cut back.

Earn & Save

Looking to make or save extra cash? Brigit highlights local side gigs, paid surveys, and personalized cashback offers, all in one place. It’s a simple way to stretch your budget a bit further.

Who’s eligible for a Brigit cash advance?

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.

What are the costs of a Brigit cash advance?

Brigit doesn’t charge interest or late fees on its cash advances, which we like—but there are still a few costs to be aware of.

To access Instant Cash, you need to be enrolled in Brigit’s Plus plan, which costs $8.99 per month. If you want your money fast, you can pay a delivery fee of $0.99 to $3.99, depending on the amount you borrow and how fast you want it.

You can also opt for a Premium subscription plan, which is $14.99 per month and includes free express delivery.

Standard delivery is free and takes two to three business days. If you can wait, it’s the most cost-effective option.

Example 1: Standard delivery

• Advance amount: $100
• Delivery speed: Standard (2 – 3 business days)
• Membership fee: $8.99/month
• Delivery fee: $0
• Repayment amount due: $108.99
• Total cost: $8.99

Example 2: Instant advance with Plus plan

• Advance amount: $100
• Delivery speed: Express (within 20 minutes)
• Membership fee: $8.99/month
• Delivery fee: $2.99
• Repayment amount due: $111.98
• Total cost: $11.98

Example 3: Instant advance with Premium plan

• Advance amount: $100
• Delivery speed: Express (within 20 minutes)
• Membership fee: $14.99/month
• Delivery fee: $0
• Repayment amount due: $114.99
• Total cost: $14.99

Brigit’s fees are fairly average. Some competitors (including our team’s selection for Best Overall cash advance, EarnIn) don’t require a subscription but encourage tipping. Others (like Empower) charge both a subscription and delivery fee.

If you plan to use cash advances regularly, Brigit’s flat monthly fee can be a better value—especially if you also use its credit-building or budgeting features.

How to repay Brigit’s cash advance

Brigit makes repayment simple. When you take a cash advance, the app automatically schedules repayment for your next expected payday—and it pulls the funds from your linked bank account.

If the default repayment date doesn’t work for you, Brigit gives you the option to adjust the repayment date within the app. That flexibility can be a big help if your payday shifts or if your account balance is running low.

Automatic repayment means you don’t need to remember to pay Brigit back manually—but it also means you need to make sure the funds are available. If your account balance is too low on the scheduled repayment date, Brigit may try again later. While Brigit doesn’t charge late fees, a failed repayment could lead to an overdraft from your bank, depending on your account settings.

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Tip

To avoid overdraft fees, monitor your account balance leading up to your repayment date or consider adjusting the due date if things look tight. Brigit’s goal is to help you avoid financial stress—not add to it.

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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

Here’s how Brigit stacks up to several competitors:

	Brigit	EarnIn	Empower
Our rating	4.6/5	5.0/5	4.6/5
Funding	$50 – $250	Up to $750	$10 – $300
Standard funding time	1 – 3 days	1 – 3 days	2 – 5 days
Instant funding time	In minutes	In minutes	In minutes
Monthly subscription	$8.99 or $14.99	None	$8

Brigit’s loan amounts are lower than many competitors. Every company listed charges a fee for instant transfers. 

What sets Brigit apart is that it allows Premium customers to get a cash advance with expedited delivery for no additional fee. You must pay off the advance before you can get another one. Still, this could make Brigit cheaper than the alternatives if you need frequent cash advances.

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Is Brigit legit?

Source	Customer rating	Number of reviews
Trustpilot	4.5/5	2,045
Google Play	4.7/5	240K
App Store	4.8/5	357K
Better Business Bureau (BBB)	4.25/5	684

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 $50 to $250, depending on your limit.
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

Will Brigit’s advance cause an overdraft fee?

Brigit’s cash advances are designed to help prevent overdraft fees—not cause them. When you take an advance, Brigit schedules repayment on your next expected payday and automatically pulls the funds from your linked bank account. If the funds aren’t available, Brigit may retry later, but it doesn’t charge late fees or penalties.

That said, if your bank account doesn’t have enough money when Brigit attempts repayment, and your bank allows the transaction to go through anyway, you could face an overdraft fee from your bank. To avoid this, Brigit recommends adjusting your repayment date if needed and keeping an eye on your account balance.

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.

Does Brigit give you money instantly?

If you have a paid membership, Brigit can offer instant transfers. We recommend checking with Brigit and your bank to determine the expected timeline for your cash advance.

What happens if you don’t pay Brigit back?

Brigit strives to avoid overdraft fees for its members. It analyzes your income and spending habits to set a safe repayment due date. However, if you fail to repay the advance, it might limit or revoke your access to future services until the debt is settled.

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.