Brigit App Cash Advance: 2026 Review

Brigit Instant Cash offers advances on your paycheck to customers who show sufficient banking history. The advance is then automatically repaid on your next payday.

In this review, I cover how the Brigit app works, what it costs, who qualifies and how it compares to similar cash advance apps.

» COMPARE: The best cash advance apps

At a glance: Brigit app cash advance

How does Brigit work?

Brigit works by giving you an advance on your paycheck up to $500. This feature is known as Brigit Instant Cash.

• To get started, you’ll need to download the Brigit app, create an account and connect the checking account where you receive direct deposits from your employer.  

• If approved for an advance, you’ll receive the funds in your bank account in two to three business days for free.

• You can choose to get the money faster — within 20 minutes — but you’ll pay an express fee. You’ll also need to link a debit card to your Brigit account to use this feature. 

• You’ll then repay the advance amount, plus any fees, on the date of your next payday. Brigit will autowithdraw the amount you owe from your linked account. 

• If you need more time, Brigit lets you extend your due date. You’ll need to repay your current advance in full before you can request a new one.

How much does Brigit cost?

Brigit charges an $8.99 or $15.99 monthly subscription fee, depending on the plan you choose. You can opt out of this subscription fee by emailing [email protected] and explaining that you want to request an advance without subscribing.

The only other fee Brigit charges is for express delivery.

For users who want cash advance funds sent to their external bank account within 20 minutes, you’ll pay an express fee ranging from $0.99 to $5.99. Larger advances come with higher fees.

Is Brigit legit?

Brigit is a legitimate financial services company. Here’s what we know:

• At the time of writing this review, Brigit is not accredited by the Better Business Bureau. 

• The Brigit app is rated 4.8 stars on Google Play (349,000 reviews) and 4.8 stars on the App Store (487,000 reviews). 

• In November 2024, the Federal Trade Commission (FTC) sent more than $17 million in refunds to consumers it says were harmed by Brigit’s deceptive advertising and fees

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  Federal Trade Commission. Brigit Refunds. Accessed May 14, 2026. View all sources . The FTC also says Brigit locked customers into monthly memberships that were difficult to cancel.

While the FTC case has been resolved, and Brigit has mostly positive app store ratings, users should keep an eye on any additional regulatory issues or fines.

Who qualifies for Brigit?

To qualify for Brigit, you’ll need to be a United States citizen or legal US resident and be 18 years of age or older.

You’ll also need to link a primary checking account that meets the following requirements:

• Active for at least 60 days.

• Has a positive balance (meaning greater than $0).

• Shows three recurring deposits from the same source.

Brigit Instant Cash is available nationwide, but Maine residents can only qualify for advances up to $250.

Brigit says its average advance amount is $73.

Pros and cons of using Brigit

Pros

• No tipping: Unlike many cash advance apps, Brigit doesn’t request tips as part of its service. Though these tips are optional, many borrowers feel obligated to tip, which increases the cost of the advance. By getting rid of this feature entirely, Brigit removes any temptation to pay more for early access to your paycheck.

• Repayment flexibility: For every two consecutive advances that are repaid on time, Brigit gives customers a payment extension credit. Customers can also hold up to three extension credits at a time. Extending your payment due date can help you avoid overdraft fees if there’s a chance you won’t have enough money in your account. You’ll need to reschedule your payment at least two business days before the original due date.

Cons

• Limited overdraft protection: Though Brigit provides payment extension, if you don’t have an extension available when the payment is due, Brigit may overdraft your bank account, according to its legal terms. This will likely trigger a fee from your bank. Other apps only draft what you have available in the account, so you’re never charged an overdraft or non-sufficient funds fee. 

• Subscription fee: Brigit charges a subscription fee for its Instant Cash feature, which not all cash advance apps do. The fee is either $8.99 or $15.99 per month, depending on which plan you opt into. Brigit says you can avoid the fee if you email [email protected]. 

Is Brigit worth it?

Brigit vs. EarnIn vs. Dave

Compare Brigit to other cash advance apps like EarnIn and Dave.

EarnIn offers larger advances up to $1,000 with no mandatory fees and faster free funding time. It does ask for an optional tip, though, which NerdWallet recommends you avoid.

Dave offers advances up to $500 with free instant funding, but you’ll need to open a Dave checking account to qualify. Unlike with Brigit, you can’t opt out of Dave’s membership fee. It also charges a mandatory service fee for each advance.

Alternatives to using Brigit

There are other ways to get quick cash besides taking out a cash advance.

Explore other ways to make money: Instead of borrowing money, consider a temporary gig to cover small gaps in your budget. You can make money at home or online by selling things you don’t need, taking surveys and testing websites, among other options.

» MORE: How to make extra money online, offline and at home

Download a BNPL app: If you need cash to purchase an essential item, like a laptop or mattress, “buy now, pay later” apps like Affirm and Klarna may be a good option. These apps split your purchase into smaller installments, usually with no interest and no fees if you pay on time, and you don’t need good credit to qualify.

» MORE: What is BNPL and how does it work?

Take out a friend or family loan: Friends and family are often an untapped resource for small loans. Though it may be difficult to ask for help, you can make it easier by drawing up a contract that clearly lists when you’ll repay the loan and if you’ll pay interest.

» MORE: Learn more about family loans

Consider a pawnshop loan: A pawnshop loan lets you borrow money by using a valuable item, like jewelry or electronics, as collateral. You leave the item with the pawnshop and receive a loan based on the item’s value. If you repay the loan, including fees, by the due date, you get your item back. If you don’t repay, the shop keeps the item.

» MORE: What to know about pawnshop loans