Brigit eligibility rules explained

The official eligibility requirements

Brigit publishes its criteria, which is unusual in this category. To request an Instant Cash advance you must:

1. Be 18 or older and a U.S. citizen or resident with a valid SSN or ITIN.
2. Link a primary checking account at a supported bank through Plaid.
3. Have that account open for at least 60 days.
4. Keep a balance above $0 — at the time of the request and typically the day after your payday.
5. Show at least three recurring deposits from the same source (employer, government benefits, pension) on a regular cadence: weekly, bi-weekly, semi-monthly or monthly.
6. Use the account actively enough that Brigit can model your spending — daily use is recommended.

Brigit summarizes these into a 0–100 Brigit Score and shows three status checks on the Instant Cash screen. All three must be green before the request button unlocks.

What counts as a recurring deposit

If your income is irregular, the practical fix is to route all of it into one account on one day each week where your platform allows, and give Brigit two or three cycles to recognize the pattern.

Supported banks

Brigit connects to more than 15,000 U.S. financial institutions through Plaid, including Chase, Bank of America, Wells Fargo, Citi, Capital One, U.S. Bank, PNC, Truist, TD, Navy Federal, USAA, most credit unions, and online banks such as Chime, Varo, SoFi, Ally, Current and Discover. A bank is "supported" when Plaid can both read transactions and verify the account for ACH. A handful of small banks and some prepaid programs allow read-only access, which is why a link can succeed but an advance still fails.

Why people get denied (and how to fix it)

• Wrong account linked. Joint, secondary, savings or a brand-new online account. Relink the one your pay hits.
• Fewer than three qualifying deposits. New job or new account — wait one or two more paydays.
• Negative balance after payday. If automatic bills drain the account below zero right after you're paid, Brigit assumes a repayment would bounce. Move one bill's date, or keep a small buffer.
• Irregular income pattern. See the table above; consolidate deposits where possible.
• Low activity. An account used only for a monthly transfer doesn't give Brigit enough signal. Use it for everyday spending.
• Outstanding advance or returned payment. One advance at a time; a failed debit pauses new requests until it clears.
• Bank sync issues. Plaid connections sometimes break after a password change. Reconnect in Settings → Linked accounts.

Each of these is covered in more depth, with what to do and how long to wait, in Brigit not approving you? 7 reasons and fixes.

How your limit is set

Passing eligibility gets you in; the Brigit Score sets how much you can borrow. The score weighs deposit size and consistency, average and minimum balance, how often you get close to zero, and your repayment history with Brigit. First advances are usually $50–$100, and Brigit's disclosed average across all members is about $72. Limits step up over several pay cycles rather than jumping; our limit guide shows what moves the number.

State restrictions

Instant Cash is offered in all 50 states. Maine caps advances at $250 under state rules. A few states have enacted earned-wage-access laws since 2024 (including Nevada, Missouri, Wisconsin, Kansas and South Carolina) that require registration and disclosures; these affect how Brigit discloses fees, not whether you can use it.