Pay off Credit Cards
with a single monthly payment

Credit line of up to $8,000¹
No impact on the score to check rates²
Sign up in 2 mins

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Why pay off cards with Bright?

Accepts all major bank cards

Affordable monthly payments

100% data security - 256-bit encryption

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How to pay off cards with Bright?

Download the App and check the rates.

Get the best rates and credit limit with a quick soft credit inquiry.

Apply Now

Get the credit line and choose which cards to pay.

Refinance multiple cards up to your credit limit; pay down and choose more.

Apply Now

Get the credit line and choose which cards to pay.

Refinance multiple cards up to your credit limit; pay down and choose more.

Apply Now

Make on-time payments and defeat debt.

Choose how much to pay each month above your monthly minimum payment.

Apply Now

Get Started

Changing lives every day.

See how Bright users³ reached financial well-being.

To pay off my credit card debt I’m using Bright money App. It’s really easy to use and their customer service is excellent. They are helpful.

Arvind Singh

Bright money is willing to invest their time and give you financial plans, increase your score, and reduce your debt in all in one app.

Lance Nelson

If you’re looking to get your score better - this is the App that will help and guide you. You’ll be with better score in few months. Get it.

Sergio Lopez

I recommend the Bright App to everybody. It helped me cut down on my credit card debt, help me save for car, vacation. Next we’re saving for house.

Todd Curry

Thank you to Bright for helping me improve my credit and eliminating my debt. The customer service is super helpful. Appreciate the journey.

Tom

Frequently asked questions

Can I pay off or close my account anytime?

Do I need to pay interest fees?

Is there a hard pull on the credit report?

Do you report to Equifax and TransUnion?

Crush Debt today¹
with Bright

Get Started

2024 Bright Capital Inc.

Revolving lines of credit are made by CBW Bank, Member FDIC, and Bright Capital Inc., NMLS (2410428), subject to state residency. Personal loans are made by our referral partners independent of Bright. Deposit accounts are provided by Evolve Bank & Trust or CBW Bank, Members FDIC. financial technology company and non-depository lender, not a bank.

Revolving line of credit ranging from $500-$8,000 to help repay credit cards. Variable APR range from 9%–29.99%. Subject to Credit Approval. Final terms may vary depending on credit review, not all applicants will qualify for full loan amount. Not all applicants qualify for the lowest rate. Bright may also offer Personal Loans made by our referral partners. Bright Credit is line of credit and not a credit or debit card.

When you check your rates for Bright Credit we initiate a “soft pull” of your credit. This will NOT impact your credit score. If you’re approved and activate Bright Credit we may do a hard inquiry which may affect you credit score.

Bright uses standard industry practices to determine our customer satisfaction score. It's a metric used in all kinds of businesses to measure customer service and product quality. Businesses calculate their score by taking the number of satisfied customers (those who rated them 4 or higher) and dividing it by the total number of responses.

The product images shown are for illustration purposes only.

Pay off Credit Cards with a single monthly payment

Why pay off cards with Bright?

How to pay off cards with Bright?

Download the App and check the rates.

Get the credit line and choose which cards to pay.

Get the credit line and choose which cards to pay.

Make on-time payments and defeat debt.

Changing lives every day.

Frequently asked questions

Pay off Credit Cards
with a single monthly payment