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Bright: Loans & Credit Builder

L'application s'avère être une manœuvre financière astucieuse, transformant les paiements quotidiens en leviers de crédit.

Chiffres Clés

Téléchargements

2.5M+

Note

4.8/5

Nombre d'avis

236.8K

Éditeur

Bright Capital Inc

Catégorie

Finance

Langues

Dernière version

1.59.2

Taille

100.9 MB

Date de sortie

30 juin 2020

Fonctionnalités

Évaluation des apports principaux pour l'amélioration de la santé financière des utilisateurs.

Analyse des Fonctionnalités Clés de 'Bright: Loans & Credit Builder'

Reconstitution du crédit

L'application offre une ligne de crédit sécurisée à partir de 50 $, permettant aux utilisateurs de bâtir ou reconstruire leur historique de crédit en signalant les paiements ponctuels aux agences de crédit.

Construction du crédit via les loyers

Il permet de renforcer l'historique de crédit en signalant les paiements de loyer ponctuels aux agences, y compris jusqu'à deux ans d'anciens paiements, valorisant ainsi une gestion locative responsable.

Avances de fonds sans intérêt

L'application propose des avances de fonds pouvant atteindre 750 $, sans vérification de crédit ni intérêts pour certaines offres, aidant les utilisateurs à gérer les urgences financières.

Plans personnalisés de remboursement de dettes

Cet outil offre des plans de remboursement de dettes personnalisés, élaborés par l'IA, pour aider les utilisateurs à gérer leurs dettes et les solder de manière intelligente avec leurs revenus actuels.

Planification budgétaire intelligente par IA

L'application propose des plans budgétaires personnalisés et pilotés par l'IA, guidant les utilisateurs vers une gestion financière judicieuse en fonction de leurs revenus et objectifs d'épargne.

Comparateur d'offres de prêts personnels

Il permet aux utilisateurs de comparer plusieurs offres de prêts personnels jusqu'à 10 000 $, sans impact initial sur leur score de crédit, facilitant ainsi le choix de l'offre la plus adaptée.

FAQ

Questions Fréquentes

Tout ce que vous devez savoir sur Bright: Loans & Credit Builder

What is Bright: Loans & Credit Builder?

Bright: Loans & Credit Builder is a financial technology company that helps users manage debt, build credit, and access cash advances and personal loans through its AI-powered platform.

Does Bright: Loans & Credit Builder offer cash advances?

Yes, Bright: Loans & Credit Builder offers cash advances up to $750 through network partners, with no credit check required specifically for these cash advance offers.

Can Bright: Loans & Credit Builder help me rebuild my credit?

Yes, Bright: Loans & Credit Builder offers a 'Bright Builder' secured line of credit, starting at $50, which reports on-time payments to Equifax and TransUnion to help build credit history.

Does Bright: Loans & Credit Builder provide personal loans?

Yes, Bright: Loans & Credit Builder provides personal loan offers up to $10,000 through third-party partners. Checking your rate for these loans does not affect your credit score.

How can I build credit history using rent payments with Bright?

Bright allows users to build credit history by reporting rent payments to TransUnion. It can report up to two years of past and ongoing rent payments as a paid service.

What are the subscription costs for Bright: Loans & Credit Builder?

Bright offers subscription plans including a 12-Month Plan for $97 billed annually, a 6-Month Plan for $68 billed every 6 months, and a 3-Month Plan for $39 billed every 3 months.

Is Bright: Loans & Credit Builder a bank?

No, Bright: Loans & Credit Builder is a financial technology company, not a bank. Personal loans and other financial products are provided by Bright's network partners.

Can the Bright App help manage debt with AI?

Yes, the Bright App offers customized debt pay-off plans built with AI to help users manage and smartly pay off debt using their current income.

Does Bright: Loans & Credit Builder offer customer support?

Yes, Bright provides customer support via email at support@brightmoney.co, by phone at +1 877-274-6494 (Mon-Fri, 9:30 AM to 6:30 PM CST), and 24/7 live chat support.

Are credit checks required for all services in the Bright App?

No, a 'No Credit Check' claim applies only to Cash Advance offers provided through third-party Network Partners. Other loan or credit products may require a credit check or eligibility verification.

Les captures d'écran et la description suivantes proviennent directement de la fiche officielle de l'application sur le store et sont la propriété du développeur.

App Store

Captures

Description

1. Cash Advance offers up to $750(1) Get extra cash for emergencies or other needs. No credit check(2). No interest. Multiple offers 2. Loan offers of up to $10,000(3) with no score impact Multiple loan offers on a single App. Compare rates, terms, and fees, and choose the best offer for you. 3. Rebuild credit history Secured line of credit starting at $50. Make on-time monthly payments, have your payments reported to the credit agencies, and build a strong credit history(4). 4. Build credit history with rent Build credit history with rent payments you already make (5). Get rewarded for paying rent on time. Get credit for up to 2 years of past rent payments. 5. Get customized debt pay-off plans A customized plan built with AI to manage debt and pay off smartly with your current income. 6. AI-driven budget plan tailored for you Whether it’s for a long-due trip, a favorite car, a new house, or a happy retirement, the Bright App guides you toward smart budgeting with your current income. Unlock savings with our exclusive subscription plans! 12-Month Plan - $97 billed annually 6-Month Plan - $68 billed every 6 months 3-Month Plan - $39 billed every 3 months Cancel anytime. Bright Premium membership is not required for Bright Builder or Loan offers. Queries? Contact us at support@brightmoney.co or +1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)]. 24*7 live chat support 1. Cash Advance offers are provided by Network Partners and third parties, not Bright Money. The Cash Advance amount ranges from $25 to $750.Terms, eligibility, fees, and approval are determined by the partners. Please refer to the respective Network Partner’s app for complete terms and conditions. 2.“No Credit Check” claim applies only to Cash Advance offers provided through third-party Network Partners. Any other loan, credit, or financial product offered by Network Partners or financial institutions may require a credit check or other eligibility verification. Bright Money does not guarantee or influence the credit approval process for any financial product. 3.Personal loan offers are provided by third parties, subject to credit approval, state restrictions, and terms; Bright Money may receive referral compensation but does not endorse or guarantee these products. 4.Secured line of credit with minimum deposit starting at $50. Credit Reporting to Equifax and TransUnion by Bright Money. Bright Builder helps you build a payment history that may positively improve your credit score. Credit score increases are not guaranteed, and individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will negatively affect your credit score. Bright Builder is currently not available in all states. Bright reports rent payment to TransUnion. You can report up to 2 years of past and ongoing rent payments. Individual results may vary. Score improvement is not guaranteed. This is a paid service on top of Active Bright Membership and incurs a cost starting at $31 for up to 2 years of past reporting and $4 per month for ongoing. For detailed information, please visit www.brightmoney.co/rent-reporting-policy. Bright is a financial technology company, not a bank. Personal Loans are provided by Bright’s Network Partners (https://www.brightmoney.co/legal/network-partners). Bright Capital Inc (NMLS #2410428) holds the following state licenses and registrations (https://www.brightmoney.co/legal/state-licenses-and-consumer-information/licenses-in-states) and does business under the following DBAs (https://www.brightmoney.co/legal/state-licenses-and-consumer-information/doing-business-as-dba).