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Bright Money

Bright Money

Bright Money

Get out of debt - for good. Pay your credit cards down faster with Bright Money.

4.2 Ratings 1K+ Reviews 10K+ Downloads

About Bright Money

Get out of debt - for good. Pay your credit cards down faster with Bright Money.
see more about Bright Money

Ratings & Reviews

4.2
1.0K+ Ratings
  1. 5
    75+%
  2. 4
    6+%
  3. 3
    2+%
  4. 2
    2+%
  5. 1
    15+%
Write a Review
  • Nov 28, 2020

    By Allen D21
    I like not to worry about missing a credit card payment but I hate the fact that I don't know when they will transfer money from my bank to bright savings. I would like to have more control for when the money is coming out of my account and when... But so far, it has help me a lot paying down my credit cards...
    more
  • Dec 13, 2020

    By Lyndell Benoit
    This app was working fine until it missed a payment on one of my credit cards and then it began to freeze. I've restarted the app multiple times and it still won't load
  • A financial SOS lifeline Oct 23, 2020

    By Organ_Freak
    I haven’t been the best with my spending habits and it has gotten me into some debt. When I realized I needed help I went on a search for something that would truly help me. “They” say that there is an app for everything so I starting comparing different debt reduction apps and found that most of them wanted you have you take out a loan or pay for them to help you. Then I stumbled upon Bright! Bright Money is one of the best things for me to pay down and reduce my debt and keep me on track. No longer do I worry about making on time or even extra payments to my credit card because I have a friend who’s got my back. Thank you Bright so much for helping me be more responsible and become a financially smarter person. One thing I hope to see soon is spend ability feature on the app that tracks your bills and tells you how much you can spend and not go over budget to help pay debt off quicker!
    more
  • It’s just okay. Customer service issues. Nov 18, 2020

    By CrysKay
    It’s not compatible with 2 of my credit cards so I have to manage them myself. One being PayPal, which is a popular card. Why is it not supported? The crazy part is when I first got bright, my PayPal card was linked and bright was paying it. Then all the sudden it wasn’t linked anymore. I deleted it completely and tried to add it back and I can’t even add it back at all now. I do like how it takes money here and there from my bank account. I never even notice it. HOWEVER!! On my sams club card, it always has the wrong balance, and has the wrong minimum payment as well. One month they didn’t pay it at all. I got a $40 late fee. They said I would be refunded the $40. NEVER got a refund. Then it happened again. Got another $40 late fee AND for my credit limit reduced. 😡 I contacted them again about it and about both late fees and they give me a generic response and won’t answer where my refunds are. 👎 About to cancel due to customer service.
    more
  • Jan 12, 2021

    By Charles King
    Exellent skill builder without charge or questions GREAT ALL THE WAY AROUND EVERYWHERE ALWAYS1
  • Dec 31, 2020

    By Michelle Gibbs-Flagg
    It worked perfectly fine the 1st month and now I can't get into the app to save my life. Yet, the auto withdrawals keep happening. I reached out to app help and they were of no assistance. I want to pull my money out of this app and not sure where to even begin!
    more
  • Awesome app BUT my accounts keep disconnecting Oct 21, 2020

    By Gina S76
    I really love this app BUT my accounts keep disconnecting which is the reason for giving it a 2 star rating. I reached out to Bright for assistance but they were NO help. After troubleshooting the issue on my own I found that if I updated the password to my account that disconnected and re-entered the new credentials in the Bright app the account successfully reconnected. Well when I logged in to the app this morning (just a few days after re-establishing the connection to previously disconnected account)I found it disconnected AGAIN and another account also disconnected. I logged into the accounts and changed the passwords and re-entered the credentials in the Bright app but no luck. I keep getting a message saying the accounts are already connected BUT they are not. This is so frustrating because the whole reason I opted to download and use the app is for the convenience of having everything in one place, using the automated payment option and bonus, I love how the app automatically saves money for you. Not sure this app is for me at this point. Previously I paid my accounts through automatic payments and I may just have to go back to doing that at least until Bright improves on their customer service and fixes this bug. I really want this app to work, ugh.
    more
  • Too much to say... Nov 17, 2020

    By Mono98
    They drain your bank account. you can’t have extra 5 dollars on your account because they will withdraw it and start making payments non-stop. So if you want to have spare money bad luck. They don’t pay attentions to your credit cards they just pay, pay and pay till the point that they sent a $222 payment to a credit card that had $0 balance so now I have a credit card with $-222. Make no sense. They did it couple times and I called them but they don’t really care and still sent payments to the credit card with a $0 balance. They just send an email apologizing but they don’t really do anything about it. The point to have this app is that you shouldn’t have to call them to let them know which and how much to pay on the credit card. (Which I did few times because they were sending payments to a card with $0 balance) They only good thing is that they give me a $1500 credit with a little lower APR to pay off couple credit cards. better than nothing. But Still I give 1 star for the horrible customer service and for not being carefully with sending payments. UPDATE: their response is always the same to every bad rating. (Copy and paste) It seems that they don’t really read our concerns. Another reason that confirms the 1 star rating.
    more
  • Horrible!! Oct 27, 2020

    By lilmamaemm
    This app has taken money and it doesn’t say where on the app or when it would take money from your bank account. It hasn’t posted to my credit cards, it was quick to take it out I’ve only had the app for a few days. I don’t agree with your response. One of the “team members” I chatted with on the app about my frustration just kept saying he understood and bright is a young growing team. BEFORE YOU HAVE PEOPLE LINK THEIR ACCOUNTS YOU SHOULD TELL THEM WHEN THEY SHOULD EXPECT THE MONEY TO BE TAKEN OUT. This is literally still ridiculous. I had my “goal” taken out of my bank account last week and I didn’t know that they automatically take money out I just believed I would be able to click and take my OWN money out when I thought be best. They told me last week they were waiting for it to post and then it would be transferred back. Couldn’t tell me how many days even thought they were very quick to take it out. I got a message from Bright through my email today that it would be reversed in 4 to 5 business days after I finally emailed bright and told them I thought it was ridiculous that they couldn’t tell me when the funds could be refunded. May I remind anyone who reads my review a only had the app for 2 or 3 days before they initially took the money out and now it’s taking over a week to be reversed.
    more
  • Dec 28, 2020

    By john ped
    Absolutely horrible app, DO NOT USE. They take money from your account, without any notice or info, they keep the money and don't pay your cards It's run by Russians that then keep your banking info and take money out even after you delete your account STAY AWAY
    more

No reviews available

  • A financial SOS lifeline Oct 23, 2020

    By Organ_Freak
    I haven’t been the best with my spending habits and it has gotten me into some debt. When I realized I needed help I went on a search for something that would truly help me. “They” say that there is an app for everything so I starting comparing different debt reduction apps and found that most of them wanted you have you take out a loan or pay for them to help you. Then I stumbled upon Bright! Bright Money is one of the best things for me to pay down and reduce my debt and keep me on track. No longer do I worry about making on time or even extra payments to my credit card because I have a friend who’s got my back. Thank you Bright so much for helping me be more responsible and become a financially smarter person. One thing I hope to see soon is spend ability feature on the app that tracks your bills and tells you how much you can spend and not go over budget to help pay debt off quicker!
    more
  • One of the Best Apps ever! Oct 16, 2020

    By tmb471842
    I love this app! It does exactly what it promises in the best way. It takes small amounts from your bank ( in little bits that I don’t even notice or affect me) and just sends them straight to the CC companies to pay down your balance. I literally don’t have to think about it at all, ever. I’ve tried other apps that try to take small amounts for payments or savings, but their systems are so irregular and annoying, they end up taking bulk amounts at the most inconvenient times. Never had this problem from this app. Bright has got it right. I’ve had this app for less than two months have it’s nearly done paying off a $200 balance. My only suggestion would be to be able to manually add other types of accounts to save to or pay off. I just want to use this app for all my financial needs!!!
    more
  • Great credit card app! Nov 19, 2020

    By Aeon33
    It took me a while to figure out exactly how Bright was going to work and I didn’t exactly understand based on what I was seeing in the app. However, they withdraw money from your bank account in small chunks throughout the month as long as the money is available and then make all of your minimum monthly payments on time. If you set a goal of savings that is above your monthly minimums, they will pay that extra toward a card to get it paid off. I’m very close to paying off a card that I have been trying to pay off for a while and have paid at least the minimums on all of my other cards. It has been easier having them do it than me doing it on my own!
    more
  • Great App! Nov 21, 2020

    By redhead220
    Very happy with how it manages my credit card payments. Love that I can set a monthly goal of how much I want to pay towards my cards over and above the minimum and the app figured out the best way to apply the extra. It really does make managing my money easy. I also like that I can change my monthly goal as needed and if necessary, I am able to move money from Bright back into my account. Now I wish they would look at adding other types of debt like Student loans, car payments, PayPal. I currently pay these in a similar manner as Bright Money does for my credit cards. It would be nice to add these accounts to Bright Money.
    more
  • Oct 27, 2020

    By Dory Cha
    Great app. I was using Digit before and it is nothing compared to Bright. It have helped me saved and paid off $500 just this month alone on my credit card.
  • Nov 28, 2020

    By Allen D21
    I like not to worry about missing a credit card payment but I hate the fact that I don't know when they will transfer money from my bank to bright savings. I would like to have more control for when the money is coming out of my account and when... But so far, it has help me a lot paying down my credit cards...
    more
  • Jan 12, 2021

    By Charles King
    Exellent skill builder without charge or questions GREAT ALL THE WAY AROUND EVERYWHERE ALWAYS1
  • Oct 27, 2020

    By chandel smith
    It will work as advertised and get your payments out before due dates. Sometimes before interest kicks in. If you have the time, you can do it yourself but if you want something automated. This is for you. Plus paying extra has already helped me pay down my Credit Cards quicker than planned
    more
  • It helps a lot using this app Nov 19, 2020

    By Mr,Williams
    I actually like using this app.. it does take the money with out with your knowledge but I realize that could be a good thing for some for me anyways, I like the way the money is being taken out cause I actually don’t have to worry about the minimum payment
    more
  • Great for spenders! Nov 19, 2020

    By KP1584
    I love that the app takes the money from me so that I don’t spend it on less important things. I see that my credit card balances have significantly decreased from only 2-3 months of using the app. It sets financial boundaries that I should have made for myself a long time ago.
    more
  • Dec 13, 2020

    By Lyndell Benoit
    This app was working fine until it missed a payment on one of my credit cards and then it began to freeze. I've restarted the app multiple times and it still won't load
  • It’s just okay. Customer service issues. Nov 18, 2020

    By CrysKay
    It’s not compatible with 2 of my credit cards so I have to manage them myself. One being PayPal, which is a popular card. Why is it not supported? The crazy part is when I first got bright, my PayPal card was linked and bright was paying it. Then all the sudden it wasn’t linked anymore. I deleted it completely and tried to add it back and I can’t even add it back at all now. I do like how it takes money here and there from my bank account. I never even notice it. HOWEVER!! On my sams club card, it always has the wrong balance, and has the wrong minimum payment as well. One month they didn’t pay it at all. I got a $40 late fee. They said I would be refunded the $40. NEVER got a refund. Then it happened again. Got another $40 late fee AND for my credit limit reduced. 😡 I contacted them again about it and about both late fees and they give me a generic response and won’t answer where my refunds are. 👎 About to cancel due to customer service.
    more
  • Happy there’s an app... but functionally it may not be ready. Aug 8, 2020

    By TJay J
    I want to start off my saying that I love and definitely believe in Bright. It’s a great service. However, after downloading it shows the correct amount saved, but doesn’t have my smart pay card there. So I’m thinking that it’s off. I check online and it’s there as it should be... The application not being able to accurately display correct account info defies the point of an app as I still will need to check out the web app to provide accurate info. Hopefully this is updated at some point... but I would DEFINITELY get bright if you need to pay off some debt. I’m loving the service so far.
    more
  • Needs a lot of work Nov 20, 2020

    By Pandabitsh
    Needs to do better with connecting/linking cards it’s was fine for while then all of a sudden 2 cards disconnected and haven’t been able to bring them back but on the apps it’s saids it’s is connected also when I try to sign in one card again the other one pops up love the feature with the payment but don’t love the random money it takes out of my checking account without letting me know
    more
  • Dec 31, 2020

    By Michelle Gibbs-Flagg
    It worked perfectly fine the 1st month and now I can't get into the app to save my life. Yet, the auto withdrawals keep happening. I reached out to app help and they were of no assistance. I want to pull my money out of this app and not sure where to even begin!
    more
  • Awesome app BUT my accounts keep disconnecting Oct 21, 2020

    By Gina S76
    I really love this app BUT my accounts keep disconnecting which is the reason for giving it a 2 star rating. I reached out to Bright for assistance but they were NO help. After troubleshooting the issue on my own I found that if I updated the password to my account that disconnected and re-entered the new credentials in the Bright app the account successfully reconnected. Well when I logged in to the app this morning (just a few days after re-establishing the connection to previously disconnected account)I found it disconnected AGAIN and another account also disconnected. I logged into the accounts and changed the passwords and re-entered the credentials in the Bright app but no luck. I keep getting a message saying the accounts are already connected BUT they are not. This is so frustrating because the whole reason I opted to download and use the app is for the convenience of having everything in one place, using the automated payment option and bonus, I love how the app automatically saves money for you. Not sure this app is for me at this point. Previously I paid my accounts through automatic payments and I may just have to go back to doing that at least until Bright improves on their customer service and fixes this bug. I really want this app to work, ugh.
    more
  • Good for Some. NOT FOR ME! Sep 29, 2020

    By LovingNik
    As I’ve read through some of the reviews. I also got hit with an automatic withdrawal. Fortunately, my withdrawal wasn’t large enough to have a real impact on my bank account, but I do worry about how much more will be withdrawn until my account is completely deleted - which I couldn’t get a straight answer on. I had the not so great pleasure of speaking with Sophia. She didn’t give much help, but kept using “as mentioned”. How can you know what to safely transfer out if you don’t know what I’m spending each day?! I would’ve been good with a set amount transferring over each day or week, rather than waking up and money is transferred - it’s random! There must be some fine print somewhere about the cost! I don’t recall seeing that until I signed up and started clicking on things to see for myself. My balances wouldn’t appear, my due dates were wrong. If I have to fix everything that you are supposedly linked to, why bother linking my credit cards?!
    more
  • Service cost Sep 22, 2020

    By TheOnlyYodaIsMe
    I was really excited about this app! I installed it, gave it access to all of my banking and credit card information, set up my account completely and not once during the entire process did the app let me know what the service charge for this subscription would be. I would be fine paying the $9.99 a month for what this app is supposed to do for me ( I pay a lot more for other things that I just don’t need)..... if I was told up front what I would be paying for. But because it felt like the subscription was hidden from me due to the fact NOT ONCE was I asked or told about it during registration, I immediately canceled the service (which was extremely easy, so thanks for that) and deleted the app from my phone. Hidden service charges for things are something that are extremely irritating to me. How can you say that your going to save someone money every month and hide the fact that you charge. Very scammy in my opinion.
    more
  • Nov 17, 2020

    By Dianna Duckett
    Started great but now it won't open. It just spins. I have removed a few downloaded 3 times but stuck at login screen.
  • Too much to say... Nov 17, 2020

    By Mono98
    They drain your bank account. you can’t have extra 5 dollars on your account because they will withdraw it and start making payments non-stop. So if you want to have spare money bad luck. They don’t pay attentions to your credit cards they just pay, pay and pay till the point that they sent a $222 payment to a credit card that had $0 balance so now I have a credit card with $-222. Make no sense. They did it couple times and I called them but they don’t really care and still sent payments to the credit card with a $0 balance. They just send an email apologizing but they don’t really do anything about it. The point to have this app is that you shouldn’t have to call them to let them know which and how much to pay on the credit card. (Which I did few times because they were sending payments to a card with $0 balance) They only good thing is that they give me a $1500 credit with a little lower APR to pay off couple credit cards. better than nothing. But Still I give 1 star for the horrible customer service and for not being carefully with sending payments. UPDATE: their response is always the same to every bad rating. (Copy and paste) It seems that they don’t really read our concerns. Another reason that confirms the 1 star rating.
    more
  • Horrible!! Oct 27, 2020

    By lilmamaemm
    This app has taken money and it doesn’t say where on the app or when it would take money from your bank account. It hasn’t posted to my credit cards, it was quick to take it out I’ve only had the app for a few days. I don’t agree with your response. One of the “team members” I chatted with on the app about my frustration just kept saying he understood and bright is a young growing team. BEFORE YOU HAVE PEOPLE LINK THEIR ACCOUNTS YOU SHOULD TELL THEM WHEN THEY SHOULD EXPECT THE MONEY TO BE TAKEN OUT. This is literally still ridiculous. I had my “goal” taken out of my bank account last week and I didn’t know that they automatically take money out I just believed I would be able to click and take my OWN money out when I thought be best. They told me last week they were waiting for it to post and then it would be transferred back. Couldn’t tell me how many days even thought they were very quick to take it out. I got a message from Bright through my email today that it would be reversed in 4 to 5 business days after I finally emailed bright and told them I thought it was ridiculous that they couldn’t tell me when the funds could be refunded. May I remind anyone who reads my review a only had the app for 2 or 3 days before they initially took the money out and now it’s taking over a week to be reversed.
    more
  • Dec 28, 2020

    By john ped
    Absolutely horrible app, DO NOT USE. They take money from your account, without any notice or info, they keep the money and don't pay your cards It's run by Russians that then keep your banking info and take money out even after you delete your account STAY AWAY
    more
  • Dec 28, 2020

    By Dustin Trombley
    Very deceptive with the membership fee. Difficult to cancel.
  • Oct 27, 2020

    By Sean
    It's been nearly 2 weeks since I reached out to support and there is still no update. Bank accounts disconnected and when trying to reconnect, it says my username is incorrect. I've been paying for the $9/mo. while being unable to use the app. Support told me that there is currently no way of removing bank accounts from your account which is very suspicious. You can add but you can't remove?! Developer says my request was taken care of when I still not have received a response from support.
    more

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