Brigit review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Brigit suits US adults with poor credit and a bank account that already shows incoming deposits, and borrowing costs nothing: the annual rate is 0% and the arrangement fee is free. Money can arrive the same day, but sums are small at $25 to $500.

Key facts

Best for
Poor credit, a steady deposit history, and a small cash gap in the US.
APR
0% (Source, checked September 26, 2026)
Loan amount
$25 to $500 (Source, checked September 26, 2026)
Arrangement fee
0 (no origination fee; optional Express Delivery fee applies for Plus members) (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
Standard delivery 1-3 business days free; Express Delivery within 20 minutes for a fee (free on Premium) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
US residents 18 years or older; checking account active 60+ days, balance above $0, at least three recurring deposits from the same source (Source, checked September 26, 2026)
Loan types
Payday, Cash-advance (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Bridge It, Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
hellobrigit.com

Apps and profiles

Get the app
Google Play
Elsewhere
Xnmlsconsumeraccess.org

Pros and cons

Pros

  • The annual rate is 0%, so the advance is free to take out and free to hold while you keep it.
  • The credit check is none, so there is no bureau search to pass, and the rating needed is poor.
  • Same day funding is a headline feature (same day funding), so an urgent bill does not have to wait for a full transfer cycle.
  • The rate is fixed, so the cost of the advance does not drift upward while you hold it.
  • Free early repayment applies, so clearing the advance early adds no penalty to the bill.

Cons

  • The advance tops out at $25 to $500, so it will not stretch to a large bill or a consolidation.
  • Eligibility is narrow: US residency, a minimum age, a checking account open for a waiting period, a balance above the minimum, and repeated deposits from the same source.
  • Brigit is a broker, so the advance is placed by a partner lender rather than priced by Brigit itself.
  • Funding time matters here: standard delivery is free but takes a few business days, and only paid Express Delivery lands the money within minutes.
Brigit

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Who it suits

  • US adults with a poor credit history who want a free rate and will accept a small sum.
  • Anyone who will not pay interest to hold a balance: alternatives such as Cashspace at PHP 12 to PHP 36 and Creditilia ES at 4% to 289% both cost money to carry.
  • People whose checking account has been open a long time and receives the same deposits each month.

Who should look elsewhere

  • Anyone chasing a large sum: the advance is capped at $25 to $500, so a bigger loan such as Andacredito at 0% to 36% may suit a larger bill.
  • Readers without a steady deposit history, since the eligibility test is built on an account with recurring deposits rather than on a credit file.
  • Borrowers who plan to carry a balance over a term, since Brigit's payday and cash advance products reward clearing the advance quickly.

Regulation

Brigit is a broker, so the money reaches you through a partner lender rather than from Brigit's own book, and the licences sit partly with those partners. The federal entry is an NMLS registration (2429907), listed alongside Coastal Community Bank, Member FDIC (462289). State registrations cover income based advances in California (04-CCFPL-2429907-3473890), small loans in New Mexico (02490) and small loan company work in Connecticut (SLC-2429907). For a reader weighing safety of the money, the broker model is the detail to sit with: the advance is placed by a partner, while Brigit runs the app and the eligibility test. Checking the NMLS number is the quickest way to see who the registered party actually is.

Rates and costs

The headline number is 0%, which means the advance is free to take out and free to hold. The arrangement fee is free as well, with no origination charge on the advance itself. The only optional charge is delivery speed, where Express Delivery carries a fee for Plus members. Free early repayment applies, so clearing the advance as soon as your balance allows adds nothing to the bill. The rate is fixed, so the cost does not rise the longer you hold the money. For a cost focused reader the practical point is simple: there is one line to watch, and it is a membership tier for speed rather than a lending charge. That is a different shape from the rate bearing payday market, where interest is the price of access.

Applying and getting the money

The sums on offer run $25 to $500, so this is a gap filler for a bill that lands before payday rather than a borrowing product for a major expense. How quickly the money arrives is where the account tiers show. Standard delivery is free and completes within a few business days. Express Delivery is the paid option and lands the money within minutes, and that is free on Premium accounts. In practice, then, speed is a membership choice: the free route exists for everyone, the minutes route is for those who have paid for it. Anyone planning around a fixed date should read the standard timeline first and treat the paid option as the exception rather than the default.

Where it sits among rivals

On the annual rate, Brigit holds position 1 out of 350 brands compared, the strongest place on the headline cost. On loan amount it sits much further back, at 642 out of 685, and that is the trade off in one line: the cheapest advance in the group is also one of the smaller ones. The named alternatives all charge interest, with PHP 12 to PHP 36 at Cashspace, 0% to 36% at Andacredito and 4% to 289% at Creditilia ES. Readers ranking on price alone will see Brigit in first place; readers ranking on the size of the sum will need to look elsewhere.

Who runs it

Brigit is run as Bridge It, Inc., a broker headquartered in the United States and founded in 2017. Support runs on email, phone and help centre, which is a full set for an app based lender: email, phone and a help centre. Licensing is the second strand in the picture, and it is spread across federal and state registers, from the NMLS entry (2429907) and the Coastal Community Bank, Member FDIC listing (462289) through California (04-CCFPL-2429907-3473890), New Mexico (02490) and Connecticut (SLC-2429907). A company of this shape is young by industry standards and licence heavy by US requirements, which is worth knowing before you link a bank account to it.

How Brigit compares

Where Brigit is available

Available
United States
Licence in United States
NMLS (US) (2429907), checked September 26, 2026
Licence in United States
NMLS (US) - Coastal Community Bank, Member FDIC (462289), checked September 26, 2026
Licence in United States
California Department of Financial Protection and Innovation (Income-Based Advance Provider, CCFPL registration) (04-CCFPL-2429907-3473890), checked September 26, 2026
Licence in United States
New Mexico Regulation and Licensing Department, Financial Institutions Division (Small Loan License) (02490), checked September 26, 2026
Licence in United States
Connecticut Department of Banking (Small Loan Company License) (SLC-2429907), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Brigit advance cost?+

The annual rate is 0%, so the advance is free to take out and free to hold. The arrangement fee is free as well, with no origination charge on the advance itself. The one optional cost is Express Delivery, which carries a fee for Plus members and is free on Premium accounts. Clearing the advance early costs nothing either.

Does Brigit run a credit check?+

The credit check is none, so there is no bureau search to pass, and the rating needed is poor. Approval leans on your bank account and its deposit history instead of on a credit file. For a borrower with a damaged score that is the point of the product rather than a shortcut.

How much can I borrow and how fast does the money arrive?+

Advances run $25 to $500, a small sum that suits a gap between paydays. Standard delivery is free and completes within a few business days. Express Delivery lands the money within minutes for a fee, and it is free on Premium accounts, so the fastest route is a membership tier rather than the default.

Who regulates Brigit?+

Brigit is a broker, and the licences sit with partner institutions as well as the brand. The record shows an NMLS number (2429907), a Coastal Community Bank, Member FDIC entry (462289), and state registrations covering California, New Mexico and Connecticut. The federal NMLS number is the first one to check.

Who can apply for a Brigit advance?+

Eligibility is narrow and bank based. You need to be a US resident of a minimum age, hold a checking account that has been open for a waiting period with a balance above the minimum, and show repeated deposits arriving from the same source. That last condition does the real filtering, since an account opened recently, or one funded only by transfers from elsewhere, does not fit.

Can I repay a Brigit advance early?+

Free early repayment applies, so the advance can be cleared as soon as your balance allows without an exit charge. The rate is fixed, so what you owe does not grow the longer it sits. That combination suits a borrower treating the advance as a short bridge rather than a lasting commitment.

How do I get help if a transfer does not land?+

Support runs on email, phone and help centre, so you can email, call or work through the help centre. Phone support is the useful one for a product delivered inside a banking app, where most queries concern a payment that has not moved. The listed channels are the whole support offer, so test the phone line before you need it.

Who runs Brigit and where is it based?+

The legal entity is Bridge It, Inc., headquartered in the United States and founded in 2017. It operates as a broker offering payday and cash advance products, and its licences span federal and state registers rather than a single state. That footprint suits a reader who moves between US states, where advance rules differ.

Sources

  • help.hellobrigit.com/hc/en-us/articles/360023451712-When-... checked September 26, 2026

    Backs: Funding time, Arrangement fee

    “Get cash within minutes ... To get cash within 20 minutes ... Get cash in 1-3 Days”

  • hellobrigit.com checked September 26, 2026

    Backs: Founded, Headquarters

    “(c) 2017-2026 Bridge It, Inc.”

  • hellobrigit.com/instant-cash checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Free early repayment, Loan types, Rate type

    “Get $25-$500 in minutes”

  • hellobrigit.com/licensing checked September 26, 2026

    Backs: Legal entity, Lender type, Support channels, Licences

    “Products and Services offered by Bridge It, Inc., doing business as "Brigit" - NMLS ID 2429907”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Representative example.

Brigit

Brigit

Poor credit, a steady deposit history, and a small cash gap in the US.

8.8/10Visit

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