Delete Your Card Debt Faster

Bright does the math for you. With smart money decisions!

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Payoff debt smarter
AS FEATURED IN
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Secure a Brighter financial future

Pay off debt

A faster, smarter way to pay off
your credit cards

Grow your savings

Bright meets your savings goals, automatically

Boost credit

Increase your credit score by targeting key factors

How does Bright work?

Delete debt while building your savings, automatically. Get started in 2 minutes. $6.99* per month. First 10 days are free. Cancel any time.

Get started

Radically affordable.

Simple, transparent pricing. No hidden fees or charges.
Your first 10 days are free. Cancel anytime.

Simple, transparent pricing.
No hidden fees or charges.
Your first 10 days are free. Cancel anytime.

53% off
12 Months
10-day free trial
$14.99
$6.99 / month
Get started
40% off
6 Months
10-day free trial
$14.99
$8.99 / month
Get started
53% off
1 Month
10-day free trial
$14.99
$14.99 / month
Get started

Changing lives every day.

See how Bright users reached financial well-being. Watch their stories.

You can trust Bright

Bank level 256-bit encryption

Rated 4.6* on
App Store

24/7 live customer service

Want to learn more?

What is Bright?
How does Bright work?
Can Bright build my savings?
How do I delete my Bright account?
How do I contact Bright customer support?
Can Bright help my credit score?
Can I build my savings with Bright?

Bright works for everybody.

For every goal and every plan.
Get started now
Banking services provided by Evolve Bank & Trust; Member FDIC.
2022 Bright Capital Inc.

¹ How does Bright calculate our average payment?

Bright calculates and makes payments using our MoneyScience™ system, which analyzes your debt and targets the card with the highest interest charges, while also making at least the minimum due on all your connected cards. Bright also studies your checking account balance, your spending habits; and your recurring bills and adjusts payments to your goals and what you can afford. Our average payment was last calculated in April 2021, using data for users who enrolled between January 2020 and March 2021 and assuming users weren’t adding to their debt over the projected period. Payments always vary between users, because Bright tailors payments to your individual finances, debts and goals.

² How does Bright save money for users?

One of the ways Bright saves money for our users is to lower the interest charges incurred while paying down debt. Bright’s MoneyScience™ system makes smart payments on your debts, making sure high-interest debt is paid down first, a method that lowers your interest charges. Bright also always pays at least the minimum due on all cards connected to Bright, making payments on time, so users also avoid late fees. When we calculate our users’ average potential savings, we use the difference between using Bright versus paying just the minimum due. We also assume users aren’t adding to their debt over the period we’re estimating savings. Average savings are calculated on an annual basis, and when we estimate lifetime savings, we use data for users who joined us between January 2020 and March 2021. The amount you save with Bright will vary based on several factors, including payments you make yourself, your credit card balances, APRs, other card charges and fees Bright can’t control, and other activities.

* Based on Apple Appstore and Google Play store ratings as on September 2021.