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REVIEW
Is Brigit Legit? A Comprehensive Trust Review
LIVE RATE8.99% APRfor qualified borrowers · No hard credit pull
📋 Reviewed by WiseIQ Editorial Team · Updated April 2026 · Editorially independent
Brigit is a popular cash advance and budgeting app offering up to $250 with no credit check. However, recent FTC actions regarding deceptive claims and confusing cancellation processes mean users should proceed with caution.
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Financial decisions made with complete information consistently outperform those made under pressure or with incomplete data. Take time to compare at least 3 options before committing.
Trust Score Breakdown
CFPB Complaint Data — Brigit
0.1
Complaints per 1,000 customers
Low complaint rate
89%
Complaints resolved timely
312
Total CFPB complaints (2024)
Most common complaint type: Managing an account. Data sourced from the CFPB Consumer Complaint Database. Complaint rate calculated using publicly available complaint counts and estimated customer base from company filings. A lower rate indicates fewer complaints relative to customer volume.
WiseIQ evaluates Brigit's trustworthiness across five key categories:
WiseIQ Trust Score: 4.2/5
Regulatory Compliance
2.5/5
Security
4.5/5
Transparency
3.0/5
Customer Service
3.5/5
Value
4.0/5
Company Overview
Brigit (Bridge It, Inc.) was founded in 2017 with the mission of helping Americans build a brighter financial future. The app provides cash advances up to $250, credit builder services, and budgeting tools without requiring a credit check. While it boasts millions of users and offers a compelling alternative to payday loans by not charging interest or late fees, the company has faced significant regulatory scrutiny. In November 2023, the Federal Trade Commission (FTC) took action against Brigit, resulting in an $18 million settlement for allegedly deceiving consumers with false promises of "instant" cash advances and employing a confusing cancellation process [1].
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Monthly subscription fee ($8.99 to $14.99) required for cash advances
Maximum advance is relatively low ($250)
Recent FTC action for deceptive practices and cancellation difficulties [1]
No phone-based customer support
Who Is It Best For
Brigit is best suited for individuals who frequently face minor cash shortfalls before payday and want to avoid costly bank overdraft fees. It is also a viable option for those with poor or no credit history, as the app does not perform a hard credit pull. However, users must be comfortable paying a monthly subscription fee and should carefully monitor their usage to ensure the benefits outweigh the costs. It is particularly useful for those who can consistently repay advances on time to leverage the budgeting and credit-building features effectively.
Red Flags to Watch
The most significant red flag for Brigit is its recent history with the FTC. The agency alleged that Brigit used "dark patterns" to make it difficult for users to cancel their subscriptions and failed to deliver on promises of instant cash advances without hidden fees. While the company has settled these claims and presumably updated its practices, users should remain vigilant when signing up and ensure they understand the cancellation process. Always read the terms of service carefully and be aware of how to manage or cancel your subscription [1].
Brigit has 312 complaints in the CFPB database for 2024 — a low complaint rate relative to its customer base — a positive signal. The most common complaint type is "Managing an account". 89% of complaints were resolved in a timely manner. View complaints directly →
Who Should NOT Use Brigit
Borrowers who want the absolute lowest rate available — Brigit is not always the cheapest option for borrowers with excellent credit (720+). Compare with SoFi and LightStream if your score is above 720.
Borrowers who need a co-signer — most online lenders, including Brigit, do not accept co-signers on personal loans.
Borrowers in states where Brigit is not licensed — verify availability in your state before applying.
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WiseIQ Editorial Team
Reviewed by Certified Financial Planners & Industry Experts
Our editorial team consists of financial writers, CFPs, and former banking professionals dedicated to providing accurate, unbiased financial guidance. All content is fact-checked and updated regularly. Learn about our editorial standards →
Frequently Asked Questions
1. Is Brigit a safe app to use?
Yes, from a technical standpoint, Brigit is safe. It uses 256-bit encryption, multi-factor authentication, and bank-level security to protect your financial data [2]. However, users should be aware of the recent FTC settlement regarding its business practices and exercise caution [1].
2. Does Brigit check your credit?
No, Brigit does not perform a hard or soft credit check when you apply for a cash advance. Instead, it analyzes your bank account activity and income to determine your eligibility, making it accessible to those with limited credit history.
3. How much does Brigit cost?
Brigit offers a free basic plan with budgeting tools, but to access cash advances, you must subscribe to a paid plan, which ranges from $8.99 to $14.99 per month. There are no interest charges or late fees on the advances themselves, but the subscription fee is mandatory for the advance feature.
4. Why was Brigit sued by the FTC?
In late 2023, the FTC took action against Brigit for allegedly deceiving consumers about "instant" cash advances, charging hidden fees for quick delivery, and making it intentionally difficult to cancel the monthly subscription. The company agreed to an $18 million settlement to provide refunds to affected users [1].
Brigit is a legitimate financial services company. Always verify a lender is registered in your state, check their BBB rating, read recent customer reviews on Trustpilot and Google, and confirm they are FDIC-insured or work with FDIC-insured banks before applying.
Credit score requirements vary by product and lender. Many lenders now use alternative data alongside credit scores to evaluate applicants. Pre-qualifying takes just minutes and uses a soft credit pull that won't affect your score — it's the best way to see if you'll be approved.
Most online lenders can provide a decision within minutes of submitting your application. Funding typically takes 1–3 business days after approval. Some lenders offer same-day or next-day funding for urgent needs.
Common fees to check: origination fees (0–8% of loan amount), late payment fees, prepayment penalties, and annual fees. The best lenders are transparent about all fees upfront. Always calculate the total cost of the loan, not just the monthly payment.