Brigit Cash Advance App Review 2024: Fast Cash for Qualified Subscribers

Brigit is a subscription-based cash advance and personal finance app offering $50 to $250 cash advances to qualifying users. These advances could help you cover an unexpected expense in a pinch. Its cash advances might be a decent alternative to a high cost payday loan, but they aren’t cheap given the amount you can borrow.

If you’re thinking about downloading Brigit, here’s what to know about the app, how it works, who it’s best for, and how to qualify for one of its cash advances.

TIME’s Take

While a cash advance from Brigit could be helpful if you’re strapped for cash, you’ll need to meet the app’s eligibility requirements to qualify. And even if you’re eligible, you might not get approved for the amount you want. It’s also worth noting that the company has run into some regulatory issues recently. Still, the app has hundreds of positive reviews from users so it may be worth a look.

Who Brigit is best for

The Brigit app could be a good option if an unexpected expense crops up, as its advances might help you cover that expense. It could also be a decent choice if you’re looking for help managing your money or building your credit.

How the Brigit app works

Brigit has a free version with minimal features, but it doesn’t include cash advances.To benefit from that feature, you’ll need to subscribe. Besides cash advances, Brigit also offers other tools like credit monitoring, credit building, identity theft protection, and budgeting, all of which are available with its highest-tier subscription.

Brigit's Plus version costs $8.99 per month, and its Premium version costs $14.99 monthly. To get started with the app, you simply input your mobile number into the Brigit site, and the company will text you a link to download the app. You can then decide whether to stick with the free version or upgrade to access all of Brigit's tools.

Requirements to get a cash advance with Brigit

You’ll need to be a Plus or Premium subscriber to qualify for a cash advance through Brigit. Premium subscribers benefit from express delivery of funds. You must also connect a checking account, which will need to meet the following requirements:

• Account opened at least 60 days ago.
• Daily use for a couple of weeks or more.
• At least three direct deposits from the same employer.
• A balance greater than $0.

How to get a cash advance with Brigit

1. Download the app

If you’d like a cash advance through Brigit, your first step is downloading the app through the Brigit website.

2. Sign up for a Plus or Premium subscription

As mentioned, you’ll need a Plus or Premium subscription to access its cash advance feature. You can sign up for one of these in the Brigit app.

3. Connect your checking account and meet eligibility requirements

You’ll need to connect your checking account. Brigit will review your account history to determine if you qualify for a cash advance.

4. Get cash advance

If you’re eligible, Brigit will inform you of the maximum amount you can qualify for. The company mentions that most users qualify for a $50 to $100 advance, though it claims to offer advances of up to $250.

5. Repay cash advance

You’ll then repay your cash advance, often on your next payday. That said, you can request an extension through Brigit if you need extra time to repay it.

Brigit app details

Eligibility

To be eligible for Brigit, you’ll need to be at least 18 years old and a U.S. resident. You’ll also need an active bank account to be eligible for certain features available with its paid subscriptions.

Deposits and withdrawals

Brigit requires that you have direct deposit set up to qualify for its cash advance feature. You’ll need at least three deposits from the same employer. When you request a cash advance, the money will be sent to your connected bank account and you can withdraw it or use it as you please.

Interest and fees

You won’t pay any interest or fees on a cash advance from Brigit, but you will pay monthly subscription fees for the privilege of using all the app’s features. Its subscription fees are $8.99 or $14.99 per month, depending on the type of subscription you choose.

Funding time

If you use Brigit’s Instant Cash feature to get a cash advance, you can expect to see the funds in your connected bank account within two to three business days. You can also pay a small fee for express delivery and receive your money within 20 minutes.

Customer reviews

Brigit users on Trustpilot and the Better Business Bureau (BBB) have mostly positive things to say about the app. It has a 4.3-out-of-5 star rating across 323 Trustpilot reviews and a 4.17-out-of-5 star rating across 507 BBB reviews.

Satisfied customers praise the app’s quick turnaround for cash advances, helpful customer service team, and credit-building features. That said, some users say the app isn’t worth the cost and report issues with canceling it.

It’s worth noting that Brigit’s Trustpilot page indicates that “the company has received regulatory attention.” In late 2023, Brigit reached an $18 million settlement with the Federal Trade Commission (FTC). The settlement comes after allegations that Brigit made false promises about providing instant cash advances of up to $250 to individuals living paycheck to paycheck and enrolling consumers in hard-to-cancel monthly memberships. Brigit has denied the allegations.

Pros and cons

Benefits of Brigit

Helpful tools

Besides cash advances, Brigit offers tools that can protect your identity, help your credit, and stay on track with your money. If you can take advantage of all of its tools and features, the monthly cost might be worth it.

Fast cash available

If you qualify for a cash advance through Brigit, you can pay an express delivery fee to get your money quickly. Brigit claims your funds will arrive in your account within 20 minutes if you opt for express delivery.

Positive user feedback

Online reviewers have positive things to say about Brigit overall. While user feedback is just one consideration when you’re deciding if an app is right for you, it’s encouraging to see that many past customers have benefitted from Brigit’s tools and features.

What can be improved

Relatively high monthly cost

Unfortunately, Brigit isn’t cheap. Its Plus subscription is $8.99 per month, or around $108 per year. The Premium version is $14.99 monthly, or around $180 annually. This is fairly high for those borrowing, say, $50 a month. (The lower fee amounts to almost 18% of $50 and the $14.99 fee is nearly 30% of that sum—comparable to interest rates charged by credit cards.)

Cash advances may be fairly small

Brigit offers cash advances of up to $250, but that doesn’t mean you’ll qualify for an advance that high. If you read the fine print, you’ll notice that eligible users receive advances of $50 to $250, with most getting just $50 to $100.

Connected bank account history required

You’ll need to connect your bank account to benefit from all the features Brigit offers. For example, if you’d like to use its Instant Cash feature, Brigit will need to access your bank account history to determine your eligibility.

How the Brigit app stacks up

If Brigit doesn’t sound like the right choice for a cash advance, other apps are available that could help you if you’re in a bind financially. For instance, the Dave app offers cash advances of up to $500, and its subscription fees are just $1 per month. That said, transfer fees do apply, so that’s an important consideration if you download Dave.

EarnIn is another option that could give you a higher advance amount, if needed. Unlike Brigit, EarnIn has no monthly fee, though fees will apply if you need a cash advance quickly. The app doesn’t disclose how much these fees are until it processes your transfer.

Who Brigit isn’t right for

Brigit probably isn’t the right choice if you’re looking for a low-cost app, as its cost ranges from around $108 to $180 per year. Likewise, it isn’t a good choice if you don’t have an active, established checking account or frequently rely on cash advances to make ends meet. You may not be eligible for its cash advances if that's the case.

Bottom line

Brigit offers cash advances and multiple features designed to improve your financial situation. However, the app is fairly expensive, and the FTC has recently taken regulatory action against it for alleged deceptive business practices. For these reasons, we’d recommend comparing different options if you’re seeking an app for a cash advance or other personal finance management tools.

Frequently asked questions (FAQs)

Can you trust the Brigit app?

Brigit is a legitimate app that was established in 2017. Many past and current users praise the app, though some express concerns about its cost and difficulty with canceling a monthly subscription. In late 2023, Brigit agreed to an $18 million settlement after U.S. regulators alleged it had engaged in deceptive business practices.

Does Brigit actually send you $250?

Brigit offers cash advances of $50 to $250 to eligible users. You’ll need to meet its qualification requirements, and you won’t necessarily be eligible for a $250 advance even if you do.

Does Brigit give you money right away?

Brigit has an express pay feature available with its cash advances. To use this feature, you’ll pay a small extra fee, and the app will deliver your cash advance to your connected bank account within 20 minutes of applying.