Brigit Review: How It Works, Fees and Is It Worth It?

Like many other cash advance apps, Brigit delivers funds to your connected bank account that you repay when your next paycheck arrives. These services are often used as a faster alternative to traditional borrowing options like personal loans. Brigit offers a free basic plan, but additional features require a subscription fee of $8.99 to $15.99. Find out more about Brigit and how it could work for you.

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Brigit at a Glance

• Max advance: Up to $500

• Membership: $8.99 or $15.99 monthly

• Funding: Instant or up to 3 business days

• Credit check: No hard check

• Repayment: Automatically debited from next paycheck

What Is Brigit?

Brigit was established in 2019 and it's designed for everyday Americans who want to access cash for emergencies. There’s no hard credit check, and you can get additional features with paid subscriptions. With a subscription, you can also access identity theft protection and credit-building tools.

How Brigit Works

Here are the key features of Brigit and how it works as a type of cash advance service:

• Advance amount: Up to $500, though most users receive $50 to $100

• Funding speed: Instant or 1 to 3 business days, depending on delivery method

• Repayment: Automatically withdrawn on your next pay date

Brigit Costs and Fees

• Monthly membership fee: The basic plan is free. Plus membership is $8.99, and Premium membership is $15.99.

• Instant transfer fee: Transfers are free if you wait up to three days for delivery. Some members may receive instant transfers at no cost, though Brigit doesn't disclose its full fee structure for expedited delivery.

• Interest fees: Brigit doesn’t charge interest.

• Late fees: No late fees are associated with Brigit.

• Overdraft fees: If your account balance is too low and Brigit tries to withdraw from your account, the bank may charge an overdraft fee.

Pros and Cons of Brigit

Curious about the advantages and disadvantages of Brigit? Here's the breakdown.

Brigit Eligibility Requirements

To be eligible for a Brigit cash advance, you first have to meet Brigit’s minimum score qualifications. The score you’ll need will be listed in your account and ranges from 40 to 100.

Brigit calculates your score based on an analysis of your spending behavior, earnings profile and bank account’s health.

Here’s what else is required to qualify:

• Active checking account

• Positive account balance

• Recurring direct deposits

How To Sign Up for Brigit and Get an Advance

Starting an account with Brigit is simple. Follow these steps:

1. Download the Brigit app.

2. Follow the prompts to provide some basic information.

3. You will be asked to link your primary checking account.

4. Wait for your Brigit score, which will be between 40 and 100.

5. Sign up for a membership and verify your identity.

To get a cash advance:

1. Open the app and click on “Request an advance.”

2. Select a funding speed. You can elect for standard or expedited delivery.

3. Enter your repayment details. You can time it with when your paycheck hits.

Brigit vs. Other Cash Advance Apps

Here’s how Brigit stacks up against other apps that offer similar features.

Dave

Dave offers up to $500 cash with no credit check or hard inquiry on your credit. However, unlike Brigit, Dave charges an overdraft fee of 5% or $5 — whichever is more. Not many people will qualify for a $500 cash advance.

Instacash

Instacash® from MoneyLion allows eligible customers to access up to $500. This service doesn’t come with a credit check or interest charges.

Payactiv

Payactiv is an example of earned wage access, which allows workers to access wages they've already earned rather than borrowing. You cannot access this feature if your employer hasn’t signed up for Payactiv. Brigit is available to anyone.

Who Brigit Is Best For

Brigit may be a good fit for the following types of users:

• Those with no or low credit

• Those who frequently face overdraft fees

• Those who want to build their credit

• Those who have consistent direct deposits in their bank account

Who Should Avoid Brigit

• Those needing more than $500

• Anyone who wants to avoid subscription fees

• People with irregular or inconsistent income

Final Take

Brigit is a good fit for those who need overdraft protection and flexibility. With a membership fee, Brigit allows users to access cash advances. One of the best features of Brigit is its repayment flexibility, since you can extend your payment date.

If you’re exploring where to get a cash advance, Brigit may be worth considering alongside similar apps.

Brigit FAQs

Still curious about Brigit? These FAQs cover how the app works, how much you can borrow and what to expect.

Is Brigit a loan?

No, Brigit is a cash advance service. It’s an advance on your upcoming paycheck.

Does Brigit check your credit?

There are no hard credit checks at Brigit.

How much can you borrow with Brigit?

You can borrow up to $500. Most people qualify for $50 to $100.

Is Brigit free?

There’s a free service plan, but if you want the Plus or Premium tiers, there’s a fee.

• Plus costs $8.99

• Premium costs $15.99

How fast does Brigit deposit money?

Free standard delivery is one to three days. If you want instant delivery, there’s an additional fee.

Photo credit: Angela Kotsell / Getty Images / iStockphoto