Need cash fast? Borrow $200–$5,000. Or up to $500 from Brigit at 0%.
Two ways to cover a gap: a personal loan from our lending partners, or a Brigit Instant Cash advance. See who qualifies, how fast it lands, and what each really costs — before you apply.
- Same-daywith Instant Transfer
- From $8.99/moBrigit Plus plan
- Next-dayloan funding by ACH
Brigit Instant Cash in numbers
Brigit (Bridge It, Inc., New York) links to your checking account and lets you move up to $500 of your next paycheck forward. The four numbers that matter:
Most new members start at $50–$100; the average advance is $72.
The cost is the membership: Plus $8.99 or Premium $15.99 a month.
Free ACH delivery takes 1–3 business days; express to a debit card costs a small fee.
Approval is based on 60+ days of bank activity, not your score.
Full breakdown: How it works · Fees & plans · Eligibility · Is Brigit legit?
Small gap or bigger one?
Brigit stops at $500 and is repaid on your next payday. For more, or for longer to repay, compare a personal loan instead.
Brigit Instant Cash
- 0% interest, no credit checkYou pay a membership from $8.99/mo instead.
- Repaid on your next paydayOne advance at a time, auto-debited.
- Needs 60 days of bank historyPlus 3 recurring deposits and a balance above $0.
- Express in ~20 minutesOr free in 1–3 business days.
Independent guide — we're not affiliated with Brigit.
Loan through our lender network
- Fixed monthly paymentsTerms from 3 to 36 months.
- All credit types consideredSoft check to see offers; APR set by the lender, typically 5.99%–35.99%.
- Funds as soon as next business dayBy ACH to your checking account.
- Free to check, no obligationWalk away if the terms aren't right.
Example: $2,000 over 24 months at 24% APR = $105.72/month.
Linked through Plaid
Nov 2023 · refunds paid
Real company, real refunds — and a court order that fixed the app
Brigit is a legitimate New York fintech with millions of users. It also settled with the FTC in 2023 over "up to $250" and "instant" marketing — which is why the app now shows clear eligibility gates and a one-tap cancel.
- Founded 2017, Bridge It, Inc.Rated 4.8 on both app stores with 850,000+ reviews.
- No interest, no late fees, nothing on your credit reportAdvances are never sent to the bureaus.
- Watch the membershipYou pay $8.99–$15.99/mo even in months you can't borrow — the issue at the heart of the FTC case.
Six steps from form to money in your account
What happens after you tap "Apply now" for a $200–$5,000 personal loan.
- 01 3 min
Fill in the 3-minute form
Pick an amount from $200 to $5,000 and enter basic details. Checking your options is a soft inquiry — it won't affect your score.
- 02 Seconds
Get matched with lenders
Our network of state-licensed lenders decides in seconds whether to make you an offer. All credit types are considered.
- 03 Your pace
Review the offer
See the amount, APR, term, monthly payment and any fees before you commit. Nothing is binding yet.
- 04 5 min
Verify and e-sign
The lender confirms identity, income and bank account, then you e-sign on your phone.
- 05 Next business day
Funds hit your account
Sent by ACH to your checking account — as soon as the next business day.
- 06 Monthly
Repay monthly
Same amount every month, usually auto-debited. Pay early with no penalty from reputable lenders.
- 18+ and a U.S. resident
- Regular income (job, self-employment or benefits)
- An active checking account
- A valid phone number and email
- Checking your options: free, no obligation
- APR set by the lender; typically 5.99%–35.99%
- Terms from 3 to 36 months, fixed payments
- Example: $2,000 over 24 months at 24% APR = $105.72/month
Takes about 3 minutes. Checking your options won't affect your credit score.
Apply now Only need up to $500? See how Brigit works and how to apply →What 850,000+ Brigit reviews actually say
Store ratings are high but say little about whether you'll qualify — our own score weighs that in.
Read the full breakdown of praise, complaints and the FTC case: Is Brigit legit?
Ratings as shown on each platform on November 6, 2026, counts rounded down. Themes are our summary of recent reviews, not a scientific sample. Brigit is not accredited by the Better Business Bureau.
Guides to every part of using Brigit
Each guide is researched from Brigit's terms, tested in the app and updated when Brigit changes something.
How it works: Brigit advances and loans up to $5,000
How the Brigit Score sets your limit, the 7-step application, and how our $200–$5,000 personal-loan matching works.
Read guide
Brigit eligibility rules explained
The 60-day, three-deposit and positive-balance rules, which banks are supported, and why gig workers get denied.
Read guide
Brigit fees & plans: Free vs Plus vs Premium
What each tier includes, when Premium pays for itself and how to get an advance with no subscription.
Read guide
How to increase your Brigit limit
The five account behaviors that move your Brigit Score, and a realistic timeline from $50 to $500.
Read guide
Is Brigit legit? The FTC settlement explained
What the FTC alleged in 2023, what the $18M order changed, and how to tell if you were owed a refund.
Read guide
9 Brigit alternatives compared
EarnIn, Dave, Chime MyPay, MoneyLion and more — ranked by true monthly cost at $100, $250 and $500.
Read guideBrigit questions, answered
How much can I get from Brigit?
Brigit Instant Cash advances range from $25 to $500. Your personal limit is set by Brigit's scoring of your linked checking account — deposit size and regularity, balance history and spending — not your credit score. Brigit's own disclosures put the average advance at about $72, and most new members are offered $50–$100 at first. Limits can rise as your account history improves. Maine residents are capped at $250.
Does Brigit check your credit?
No. Brigit does not run a hard or soft credit inquiry to approve an Instant Cash advance, and advances are not reported to the credit bureaus. The only product that touches your credit file is the optional Credit Builder account on the Premium plan, which reports your payments to all three bureaus.
How long does it take to get the money?
Standard delivery is free and typically arrives in 1–3 business days by ACH. Express delivery sends the funds to a linked debit card, usually within about 20 minutes; it costs a small per-advance fee on the Plus plan and is included at no charge on Premium. Requests submitted before the app's daily cut-off are processed the same day.
What does Brigit cost?
There is no interest, no tip and no late fee on an advance. Instead, you pay a flat monthly membership: Plus is $8.99/month and Premium is $15.99/month. Express delivery adds a per-advance fee on Plus (disclosed in-app before you confirm) and is free on Premium. Brigit's terms also let you request an advance without a paid membership by emailing [email protected], though you lose the in-app tools.
What are the eligibility requirements?
You must be 18 or older, a U.S. citizen or resident, and link a primary checking account (not savings or a prepaid card) that has been open at least 60 days, has a balance above $0 and shows at least three recurring deposits from the same employer or income source. ATM deposits, paper checks, cash app transfers and irregular gig income do not count as recurring deposits.
More answers in How it works and Eligibility.
Small gap? Try Brigit. Bigger one? Compare loans.
Brigit covers up to $500 until payday. For $200–$5,000 with a fixed monthly payment, check offers from our lender network — free, no obligation, and checking won't affect your credit score.