Bright - AI Debt Manager

Get Debt in control with the Bright App. 

Consolidate multiple debt into one manageable Credit Line, pay down every month, and simplify debt management(1) 

Build Credit with the Bright App’s simple secured Line of Credit starting $50(2) 

Get personalized money management plans designed to repay debt.

All this with the AI-powered Bright App at less than $10 per month(3)


What does the Bright App offer?

Pay down high-interest debt on a click(1)
The Bright App can help you consolidate credit card balances, into a single manageable Credit Line of up to $8,000(1). Pay it down with affordable monthly payments, and simplify your management. 

Manage all Credit Cards in one place
Simplify Credit Card management with the Bright App. Organize multiple cards and bills in one place, and receive payment reminders. Avoid missed bills and debt with Bright’s AI-driven plan.

Build Credit with Bright’s Secured Credit Line
Get a Secured Line of Credit starting at $50(2) on the Bright App. Make on-time payments(2) every month, get your payments reported to the credit agencies, and build your credit. 

Build Savings that consistently grow
Bright’s AI-driven plan helps you pay down debt easily, creates a path to get Debt in Control, and builds your savings. Plan your financial future right.

AI driven Budget Plan tailored for you
The Bright App creates personalized payoff plans to repay debt with ease. Whether  your long-due trip, favorite car, a new house, or a happy retirement, the Bright App guides you toward smart budgeting, within your current income.

Expert tips to manage your money the smart way
Get access to expert finance guidance on the Bright App. There are short articles, practical guides, and a comprehensive answer bank for all your money questions. A wealth of financial information to stay on top of your money. 

Fast sign-up, and 365 days live chat support
Signing up for the Bright App takes just 2 minutes(1). Get started with your personalized debt management and credit building. 24*7 Live Customer Chat Support. 

For any queries at any point, email it to us on [email protected] or call us on
+1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)]

Join the community of 1 million+ satisfied customers who have experienced the benefits of the Bright App. The Bright App has been rated 4.8(4) on the App Store.




(1)Bright Credit is a line of credit that can be used to pay off your credit cards. Subject to credit approval. Variable APR ranges from 9% –24.99%, and Credit Limit ranges from $500 - $8,000. APR will vary based on prime rates.  Final terms may vary depending on credit review. Monthly Minimum Payments are as low as 3% of the outstanding principal balance plus the accrued interest. Also, you can choose to pay more than the minimum due if you want to pay down the loan faster. Credit line originated by Bright or CBW Bank, Member FDIC. Products and services are subject to state residency and regulatory requirements. Bright Credit is currently not available in all states.
(2)Payment history has the biggest impact on credit score accounting for 40% of how score is calculated per TransUnion (https://www.transunion.com/credit-score). Bright Builder helps you build a payment history that may positively improve your credit score. A credit score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will negatively affect your credit score. Products and services are subject to state residency and regulatory requirements. Bright Builder is currently not available in all states.
(3) Applicable when a user chooses annual or semi-annual plans
(4) Based on Apple App Store store ratings as of August 2023