Brigit offers cash advances up to $250 to help you cover expenses or avoid overdraft fees between paychecks. There are no interest charges, credit checks, or hidden fees, making it a straightforward option for short-term cash needs. To qualify, you'll need an active checking account that's at least 60 days old, consistent income with direct deposits from the same employer, and a Brigit Score of 40 or higher based on your banking history and spending habits.

Access to cash advances requires a subscription to Brigit's Plus plan at $8.99 per month, or the Premium plan at $14.99 per month if you're interested in credit building services. Standard delivery of funds is free and takes 1–3 business days. If you need money faster, Express Delivery gets you the cash in about 20 minutes for an optional fee ranging from $0.99 to $3.99, though this fee is waived for Premium subscribers.

Repayment is flexible—you choose your repayment date, typically set to your next payday, and you can extend it without any extra cost if needed. Brigit doesn't charge late fees or interest, and they won't engage in debt collection if you're unable to repay on time. However, failing to repay may limit your access to future advances until the balance is settled.

Brigit might work well for you if:

• Quick cash: You need fast access to up to $250 without interest, credit checks, or hidden fees
• Avoid overdrafts: You want to prevent overdraft fees with automatic advances and real-time account monitoring
• Build credit: You're looking to build your credit history without a credit card or additional debt
• Financial tools: You want budgeting tools and personalized financial insights to manage your money better
• Flexible repayment: You prefer flexible repayment options with the ability to request free extensions

When Brigit might not be a good fit:

• Irregular income: If you don't have consistent income deposits from the same employer or income source
• Subscription fees: If you're not willing to pay the monthly fee for the Plus ($8.99) or Premium ($14.99) plans to access cash advances and premium features
• Low Brigit Score: If your Brigit Score is below 40, you may not qualify for cash advances

There are a few main criteria that will make you qualified for cash advances from Brigit:

1. Active checking account: You need a primary checking account that has been active for at least 60 days, used regularly for daily transactions, and maintains a positive balance.
2. Consistent income deposits: Have at least three recurring direct deposits from the same employer or income source into your linked account. Paychecks need to be regular and direct; irregular paychecks, ATM deposits, paper checks, or cash transfers don't qualify.
3. Verified income: Be able to show proof of consistent income to demonstrate earnings stability.
4. Ability to repay: Your average bank account balance and spending habits should show that you can repay the advance without financial distress.
5. Brigit Score of 40 or higher: Brigit evaluates your bank account health, spending behavior, and earnings profile to assign a score between 0 and 100. You'll need a score of at least 40 to qualify.

Brigit will then assess your eligibility and determine the maximum cash advance they can provide you, up to $250. No credit checks are required.

You'll usually get your money in 1 to 3 business days with Brigit's free standard delivery.

If you need cash sooner, you can opt for Express Delivery to receive your funds in about 20 minutes. This costs between $0.99 and $3.99 per transaction, depending on the amount you borrow. If you're a Premium Plan subscriber, Express Delivery is free.

Brigit allows you to choose your repayment date when requesting a cash advance, usually set as your next payday. Keep in mind that:

1. Extend repayment date: you can extend your repayment date in the app at no extra cost if you apply at least 2 business days before the original due date.
2. No late fees: Brigit doesn't charge late fees or penalties if you can't repay on time.
3. Future advances: if you fail to repay, your access to future cash advances may be limited until the debt is settled.

On top of the cash advances that Brigit offers, there are a few other features that might help you manage your finances and build your credit.

Budgeting and Financial Insights

Brigit can help you keep track of your spending and income with its budgeting tools. The app provides personalized insights and tips to help you budget effectively. You can see detailed breakdowns of your bills and spending, manage your subscriptions, and get a clear picture of your spending and earning trends over time. Plus, real-time account monitoring alerts you when your balance is running low or when bills are coming up.

Credit Builder

If you're looking to improve your credit score, Brigit offers credit building tools that report your payments to all three major credit bureaus—Experian, Equifax, and TransUnion. You can start building credit with as little as $1 per month, without any hard credit pulls, interest, or security deposits. It's a simple way to establish or boost your credit history without getting a traditional credit card.

Extra Income Opportunities

Brigit can also help you find ways to earn a little extra cash. Through the app, you can find job opportunities that suit your needs, whether they're part-time, full-time, gig, or remote positions. Additionally, you can earn cash by completing surveys and access exclusive offers like cash back deals and discounts to help you save more.