Brigit App Review: Paycheck Advances in 2022

The Brigit app offers paycheck advances up to $250, plus credit-building features. You’ll pay a monthly fee for access to your cash.

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Our Take

The bottom line:

Brigit is best for users who use the cash advance, credit-building and financial assistance. The advance alone may not be worth the required monthly fee.

Loan amount
Min. credit score
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Pros & Cons


  • May be cheaper than an overdraft fee.
  • Offers credit building tools and identity theft protection.


  • Requires access to your bank account.
  • May promote a habit of borrowing against future earnings.

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Full Review of Brigit

Brigit is an app that offers small paycheck advances, as well as money tips and credit-building tools.

The app has a free version with some financial insights and content, but to use the advance and credit-building features, users must pay a $9.99 monthly subscription fee.

Brigit’s mission is to help average Americans improve their finances and reduce financial stress, says CEO and co-founder Zuben Mathews.

“If you really want to improve someone’s financial health, for the masses of our country, it comes down to being able to save effectively and build someone’s credit score in addition to instant cash,” he says.

Is Brigit right for me?

When used occasionally, Brigit’s paycheck advance feature can be useful if you:

  • Need to cover an emergency expense.

  • Have a plan to repay the advance and cover your other expenses.

  • Have an active checking account that receives regular deposits.

  • Get enough value from the credit-building and budgeting features to justify paying a monthly fee.

Brigit might not be for you if you:

  • Regularly spend more than you earn.

  • Receive irregular paychecks from an on-demand or freelance job..

Financial advisors say repeatedly borrowing from a paycheck advance app isn’t a sustainable habit. Even if you choose to borrow from Brigit now, take steps to also build an emergency fund that can cover unexpected expenses without fees or interest. NerdWallet recommends setting an emergency savings goal of $500.

[Nerdy Tip] Maintaining a budget that includes money for everyday expenses, savings and something fun can also help you avoid living paycheck to paycheck. NerdWallet recommends using the 50/30/20 budget, which divides your money into needs, wants and savings.

How to qualify for Brigit’s paycheck advance

Brigit’s qualification criteria focus on the checking account where the money will be deposited.

When assessing the account, Brigit looks for the following factors:

  • An account that's at least 60 days old.

  • Sufficient activity — Brigit suggests using it every day for a couple of weeks.

  • A balance above $0.

  • Cash left in your account at the end of the day that you receive a paycheck and one day later (to be sure there’s enough to repay advances).

  • At least three recurring deposits from an employer.

The app gives users a score from 0 to 100 based on information like the account balance over time, the size of your deposits and how much you spend compared with what you earn. The app uses that score to determine whether you qualify for the advance and how much it should be.

How to get a Brigit advance

After downloading the Brigit app from an app store, here are the steps to get an advance:

  1. Set up an account and connect your bank account. Brigit will use this account to deduct the monthly subscription fee and deposit cash advances.

  2. Brigit assesses your account, gives you a score and decides if you qualify for an advance.

  3. If you qualify, you agree to pay the subscription fee.

  4. Request an advance. Brigit gives a repayment date and deposits the money into your account the same or next business day, depending on when you request it.

  5. You get a notification two days before and on the day payment is due. You can repay the money early by selecting the “Repay now” button.

  6. Brigit withdraws the advance amount from your account on the scheduled repayment date.

In addition to providing cash that you request, Brigit also monitors your bank account and tries to automatically deposit an advance if you’re about to overdraft. You can have only one advance at a time, and you have to opt out of automatic advances if you don’t want them.

The app tries to understand whether there's enough money in your bank account before it withdraws the amount you borrowed, but there’s no guarantee a withdrawal won’t cause an overdraft fee if you don’t have sufficient funds.

Brigit’s other features

You can download the app and access some budgeting tips and financial education for free, but most features — including the advance — are for subscribers.

Credit-builder loan: Users can opt in to a credit-builder loan that offers the benefit of having payments reported to the three major credit bureaus. Brigit deposits loan funds into a credit-builder account, and you contribute monthly payments for 24 months. Once the loan is paid off, you get back the money you contributed.

Credit monitoring and alerts: The app lets you see your credit score and credit report, access a credit score simulator and receive alerts about changes that can affect your credit. Some apps offer this type of service for free.

Identity theft protection: Brigit’s identity theft protection reimburses you for expenses if your identity is stolen. Brigit will also help you cancel and replace lost ID and credit cards.

Compare apps like Brigit

Dave and Earnin are other popular paycheck advance apps. Here’s how Brigit compares.

Dave offers advances up to $500 and charges a $1 monthly subscription fee. It may charge up to $13.99 for expedited advances and asks for tips up to 25% of the amount advanced. Even if you tip $1, you could end up paying more for an advance from Dave than Brigit, but most of Dave’s fees are per advance, not per month.

Earnin charges an optional express fee from $0.99 to $3.99 and asks for an optional tip each time you borrow. Tips are capped at $14, the company says.

A key difference between Brigit and its competitors is that Brigit doesn't ask for a tip or charge a fast-funding fee. Consumer advocates say tips put the decision about how much the service should cost on the consumer, which doesn’t give them a fair chance to compare other services.

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To review Brigit, NerdWallet collected dozens of data points, interviewed company executives and compared the company with others that seek the same customer or offer a similar product. We have not yet rated this product.

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