Brigit Review: Is the Cash Advance App Worth It in 2026?

Brigit is a cash advance app that offers eligible users advances of up to $500 with no hard credit check. Unlike traditional borrowing options such as personal loans, Brigit advances are typically repaid from your next paycheck and require a paid membership starting at $8.99 per month.

Brigit may be a good fit if you receive consistent direct deposits and want budgeting tools. If you only need an occasional advance or want to avoid monthly subscription fees, another cash advance app may be a better fit.

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Key Takeaways

• Brigit offers cash advances of up to $500 with no hard credit check, though most users qualify for around $73. The basic plan is free, but cash advance access requires a Plus or Premium membership costing $8.99 or $15.99 per month.

• You repay advances automatically from your next paycheck, with no interest or late fees. Standard transfers take one to three business days, while expedited delivery may cost extra.

• Consider Brigit if you have steady direct deposits and need credit-building tools. Skip it if your income is irregular, you need more than $500 or you want to avoid subscription fees.

Summary generated by AI, verified by MoneyLion editors

Brigit Features at a Glance 

What Is Brigit?

Brigit was established in 2017 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.

Quick Differences Between Subscription Tiers

Basic  

• There is no cost for this tier.

• You can access budgeting tools, financial insights and monitoring of accounts.

• There is no access to cash advances.

Plus 

• The cost is $8.99.

• Gives you access to budgeting tools, financial insights, account monitoring, credit monitoring and identity theft protection.

• You can request cash advances.

Premium 

• The cost is $15.99.

• This tier includes everything in the Plus Plan and you can get Express Delivery on cash advances for free.

How Brigit Works

Brigit provides paycheck advances rather than personal loans or lines of credit, so you're accessing money before your next payday instead of borrowing through a traditional lender.

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 around $73.

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

• Repayment: Automatically withdrawn on your next pay date. You can request an extension as long as you’ve repaid two consecutive cash advances.  

• Request another cash advance: You can only request another cash advance as long as you don’t have a pending cash advance. 

How Much Does Brigit Cost?

Here's a closer look at what each fee includes.   

• 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 qualify for instant transfers that come with a fee of $0.99 to $5.99.  

• 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. 

• Cash advances: You can only get a cash advance with a premium or plus membership.  

Is Brigit Legit?

Brigit is a legitimate financial company that was established in 2017.

• On Google Play, Brigit's app is rated 4.8 out of 5 stars.

• On the Apple App Store, Brigit's app is rated 4.8 out of 5 stars.  

Brigit is not accredited by the Better Business Bureau (BBB) but it has an A+ rating.

One consumer alert is noted. In 2023, the Federal Trade Commission (FTC) lodged a complaint against Brigit alleging that they engaged in deceptive practices by promising consumers $250 in instant cash and charging them a subscription fee.

In 2024, the FTC sent $17 million in refunds because of these deceptive practices and the difficulty in canceling these subscriptions.

Pros and Cons of Brigit

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

Who Qualifies for a Brigit Cash Advance? 

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 your account health, spending habits and income consistency to determine whether you qualify for advances. 

Here’s what else is required to qualify:  

• Active checking account 

• Positive verified account balance and history 

• Recurring direct deposits 

Pro Tip

Check state limits when signing up for the app. In Maine, for example, cash advances only go up to $250. 

How To Get a Brigit Cash Advance

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.

6. Click on “Request an advance.”

7. Select a funding speed. You can elect for standard or expedited delivery. Standard delivery is free, while expedited delivery may cost between $0.99 and $5.99.  

8. 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.  

If you’re also weighing employer-linked pay access options, a DailyPay review may be worth a look.

Dave

Dave offers advances up to $500 with no credit check or hard inquiry on your credit. However, unlike Brigit, Dave charges a service fee of 5% of the advance, with a $5 minimum. Not many people will qualify for a $500 cash advance.

EarnIn

EarnIn lets eligible users access money they've already earned before payday without mandatory monthly fees. While advance limits are higher for some users, eligibility depends on your pay schedule and employment.

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 EWA, 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 not dependent on employer participation.

What Happens If You Can’t Repay Brigit on Time? 

When you borrow from Brigit, automatic repayment is scheduled for your next payday. Since Brigit automatically links to your checking account, you don’t have to schedule your payment manually.   

If you fall short, you can request a repayment extension. Extensions are free and don’t carry a penalty. However, to request an extension, you need to have repaid at least two consecutive cash advance payments. If you miss a repayment, you can’t request an extension.   

Keep in mind that although Brigit doesn’t charge a late fee or penalty because your checking account is linked, it may cause you to owe overdraft fees to your bank.  

How an Unpaid Advance May Affect Future Advance Eligibility

• You can’t take another cash advance until the current one is paid.  

• It will impact the amount you can borrow.  

• You can’t disconnect your checking account to avoid the withdrawal.  

Is Brigit Worth the Monthly Cost? 

Brigit is worth the monthly cost if you’re a frequent user and need cash advances regularly.

Brigit doesn’t make sense for those who need the occasional cash advance because you’re on the hook for the subscription fee.

Brigit May Make Sense If  

• Have no or low credit  

• Want to build your credit  

• Have consistent direct deposits in your bank account 

Brigit May Not Make Sense If

• Need more than $500 

• Want to avoid subscription fees 

• Have irregular or inconsistent income 

Alternatives to Brigit  

If Brigit isn’t the right option for you, there are other alternatives. Take a look at these to find the right fit:  

Final Take

Brigit is best for those with predictable paychecks who don't mind paying a monthly subscription fee in exchange for cash advances and budgeting tools.

With Brigit, the tradeoff of paying a subscription fee isn’t worth it if you don’t plan on getting cash advances regularly. If you only need occasional access to cash or want to avoid subscription fees, another cash advance app may be a better fit.

Brigit Cash Advance FAQs

Still deciding whether the Brigit app is worth the monthly fee? Here are quick answers to the questions people ask most before they sign up.

Is Brigit a loan?

No, Brigit is a cash advance service. It’s an advance on your upcoming paycheck. If you’re comparing Brigit with ways to spread out a purchase instead of getting a paycheck advance, it may also help to read a Splitit review.

Does Brigit check your credit?

There are no hard credit checks at Brigit. If you’re more focused on credit-building tools than fast cash access, you may also want to compare a SeedFi review.

How much can you borrow with Brigit?

You can borrow up to $500. Most people qualify for around $73.

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 per month.

• Premium costs $15.99 per month.

Is Brigit legit?  

Brigit is a legitimate company that was established in 2017. It ranks fairly high on Google Play and the Apple App Store. It is not accredited by the BBB.  

Does Brigit charge a monthly fee?

If you want to access cash advances, you’ll have to pay a monthly fee. For the plus membership, you’ll pay $8.99, while the premium membership costs $15.99.

Can you use Brigit without a subscription?

You can use Brigit without a subscription. The free subscription includes financial insights, access to budgeting tools and account monitoring. You’re not eligible for cash advances without a membership.  

How fast does Brigit send money?

Brigit can send money within 20 minutes if you choose to pay a fee for the expedited transfer.  

What happens if you can’t repay Brigit on time?

There are no late fees or interest that are charged. However, Brigit will try to withdraw from your checking account and the withdrawal could cause you to owe overdraft fees to the bank. 

Key Terms

• Cash advance: A short-term way to get money before your next paycheck, usually for $500 or less and repaid automatically on payday. App advances typically charge no interest, unlike credit card cash advances.

• EWA: A service that lets you tap wages you've already earned before your scheduled payday.

• Hard credit check: A review of your full credit report that a lender runs when you apply for credit, which can lower your score by a few points. Brigit does not run one.

• Direct deposit: An electronic transfer of your paycheck straight into your bank account. Brigit requires recurring direct deposits to verify income and set your advance limit.

• Credit builder: A tool designed to help you build credit history over time. Results are not guaranteed and depend on your overall credit profile.

Summary generated by AI, verified by MoneyLion editors

Sources

• BBB. "Brigit."

Photo credit: Angela Kotsell / Getty Images / iStockphoto

Data is accurate as of Sept. 1, 2026, and is subject to change.