Brigit App Cash Advance: 2025 Review

Brigit Instant Cash offers small advances on your paycheck to customers who show sufficient banking history, though you may need to pay a monthly subscription fee if you don’t opt out via email.

Compare Brigit to other cash advance apps, and consider alternative ways to get quick cash.

» COMPARE: The best cash advance apps in 2025

Brigit cash advance amounts, fees and terms

How does Brigit work?

Brigit works by giving you a small advance on your paycheck, ranging from $25 to $250. This feature is known as Brigit Instant Cash.

To determine the advance amount you qualify for, Brigit looks at your bank account history, including any recurring direct deposits from your employer. Brigit doesn’t conduct a credit check.

Once approved, you’ll receive the advance amount in your bank account within one to three days — or within 20 minutes if you pay the optional fast-funding fee.

You’ll then repay the advance amount, plus any fees, on the date of your next payday (Brigit will auto withdraw the amount you owe from your linked account). If you need more time, Brigit may let you extend your due date. However, you’ll need to repay your current advance in full before you can request a new one.

Unlike other cash advance apps, Brigit doesn’t ask for tips. It does charge a subscription fee to get a cash advance, but you can opt out of this fee via email (more on this lower down).

How to get a Brigit Instant Cash advance

You can download the Brigit mobile app and create an account to get started.

Similar to other cash advance apps, Brigit determines your eligibility for an Instant Cash advance by reviewing your bank account.

To get an Instant Cash advance from Brigit, you’ll need to link a primary checking account that shows:

• A balance greater than $0.

• At least 60 days of activity.

• Three recurring deposits from the same source, like an employer. Irregular pay schedules won’t qualify.

Brigit also recommends using this checking account daily, so the app can better predict your spending patterns.

Should you take out a Brigit Instant Cash advance?

Here are some of the pros and cons of using Brigit to get an advance on your paycheck.

Where Brigit stands out

No tipping: Unlike most 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.

Low fast-funding fee: A fast-funding fee is an optional fee a cash advance app may charge to receive your advance immediately. Fee amounts range drastically between apps. Brigit’s fast-funding fee maxes out at $3.99, while other apps may charge $8 or more. The exact amount of Brigit’s fast-funding fee will be disclosed when you make an advance request on Brigit’s mobile app.

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 the payment due date can help you avoid overdraft fees if there’s a chance you won’t have enough money in your account.

Where Brigit falls short

Smaller advances: Brigit’s maximum advance amount of $250 is small compared to other apps, most of which offer advances up to $500 and some as high as $750. Furthermore, Brigit says most borrowers will only qualify for amounts between $50 to $100. Though it’s a good idea to only borrow what you need, Brigit may not be a good fit for borrowers who need to cover a large expense.

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 $14.99 per month, depending on which plan you opt into. Brigit says you can avoid the fee if you email [email protected], but you’ll need to do this for every cash advance request.

No phone option for customer service: Brigit doesn’t supply a phone number for customers, meaning you’ll have to contact customer service via chat or email. This can be frustrating for customers who prefer to resolve issues over the phone.

How we rate Brigit

Product affordability: 3/5 stars

An affordable cash advance app charges no or minimal fees, doesn’t request tips and provides overdraft protection.

Product flexibility: 2/5 stars

A flexible cash advance app has large maximum borrowing amounts, can provide funds quickly without charging a fee and offers repayment flexibility.

Customer experience: 3/5 stars

A customer-first cash advance app will have multiple ways to contact customer service representatives, maintain a thorough FAQ on its website and clearly disclose all fees.

Customer protections: 4.5/5 stars

A consumer-friendly cash advance app will evaluate a user’s bank account history, require recurring direct deposits and implement safeguards to help prevent overborrowing.

Discretionary additions or deductions: None

Cash advance apps may earn higher star ratings by offering unique features that benefit customers. Similarly, apps may lose points by offering features that disadvantage customers.

Brigit reviews

Consumer ratings and complaints

At the time of writing this review, Brigit is not accredited by the Better Business Bureau (BBB). BBB accreditation is an important feature to consider, since it helps establish legitimacy and provides an additional avenue for customers to file a dispute.

On Trustpilot, Brigit is rated 4.5 out of five stars. Users praise how easy and quick it is to apply and get access to an advance on their paycheck when they’re in a bind. Some users complain about being charged fees they weren’t expecting.

In the Apple app store, Brigit is rated 4.8 out of five stars, with over 360,000 ratings. In the Google Play app store, Brigit is rated 4.7 out of five stars, with over 250,000 reviews.

Regulatory action

In November 2024, the Federal Trade Commission sent over $17 million in refunds to consumers it says were harmed by Brigit’s deceptive advertising and fees. The FTC also says Brigit locked customers into monthly memberships that were difficult to cancel.

Frequently asked questions about Brigit

Does Brigit give you money instantly?

Brigit can give you an advance instantly, but you may need to pay a fast-funding fee that ranges from $0.99 to $3.99. If you opt into Brigit’s premium subscription ($14.99 per month), you can avoid fast-funding fees.

Does Brigit approve everyone?

Brigit doesn’t approve everyone for its cash advance product. You’ll need to show sufficient bank account history, including 60 days of activity and three recurring deposits from your employer.

Is Brigit a safe app to use?

Brigit is generally a safe app to use, but you’ll need to exercise some caution, such as only borrowing the amount you need, avoiding fees wherever possible and minimizing frequent borrowing.

Compare Brigit to other cash advance apps

Brigit’s advance amounts are smaller compared to most other apps, which offer advances as high as $500 or $750. Brigit also charges a subscription fee, which similar cash advance apps don’t.

Other ways to get quick cash

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?

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

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.