Brigit
- Best for: Workers with steady paychecks who want instant advances and credit building most months
- What Sets It Apart: Premium pairs free instant delivery with a credit-builder loan
- Loan Amounts: $25 to $500 ($25 to $250 in Maine), set by Brigit; average $72 from 2018 through July 2026
- Terms: Repaid automatically on your chosen due date, usually payday; free extensions; Credit Builder runs 24 months
- Features: Free standard delivery, typically the same day for requests before 10 a.m. Eastern on business days; credit monitoring; identity theft coverage up to $1 million
- Monthly Fee: $8.99 for Plus or $15.99 for Premium, billed at the end of each period, the month you cancel included
- APR: None; no interest on advances
- Cost: Instant delivery $0.99 to $5.99 on Plus, free on Premium; a no-plan advance by email
- Credit Needed: None; no credit check
- Eligibility: Checking account 60 days old with a balance above $0 and three recurring deposits from one source
- Pros: No interest, tips, or late fees; automatic advances when it predicts an overdraft; Credit Builder reports to all three bureaus
- Cons: Fee due monthly, advance or not; $72 average advance; 24 months of Premium to finish Credit Builder
Pay for Brigit, a cash advance app, only if you’ll use its Premium plan’s free instant delivery and credit-builder loan most months. That plan’s $15.99 fee comes due every month, advance or not. If you can wait for a standard transfer, an app with no subscription costs less.
Brigit advances $25 to $500 until your next payday ($25 to $250 in Maine), with no interest or credit check, to workers whose paychecks arrive on a regular schedule. Upbound, the company behind Rent-A-Center and Acima, has owned it since January 2025.
Key Features
- Plus plan at $8.99 a month, with advances, credit monitoring, and identity theft coverage of up to $1 million
- Premium plan at $15.99 a month, adding free instant delivery and Credit Builder, a credit-builder loan that reports each month’s savings to the credit bureaus as a payment
- Instant delivery, usually within 20 minutes, for $0.99 to $5.99 on Plus, or free standard delivery in one to three days
- Repayment taken automatically on the due date you pick, usually your next payday
- Advances with no paid plan for eligible members who ask by email
Pros
- No interest, tips, or late fees, and no charge to push back a due date
- Standard delivery typically the same day when requested before 10 a.m. Eastern on a business day
- Optional automatic advances when Brigit predicts an overdraft
- Credit Builder reports to all three credit bureaus with no credit check, on savings as low as $1 a month
Cons
- A plan fee every month, whether or not you take an advance
- An average advance of $72 from 2018 through July 2026, far below the $500 top
- Keeping Credit Builder open means paying for Premium every month, $383.76 over its full 24-month term
- Requires a checking account at least 60 days old with three recurring deposits from one source
- An $18 million FTC settlement in 2023 over alleged hidden fees and blocked cancellations
Premium suits a worker who takes instant advances most months and wants a credit-builder loan, since its $15.99 a month covers both. Workers who can wait for a standard transfer pay less at EarnIn than on Brigit’s $8.99 Plus plan, because EarnIn has no mandatory fee and its standard transfers are free.
Learn more about Brigit or see how it compares to the best cash advance apps.
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