Brigit Cash Advance 2024 App Review

Brigit is a subscription-based cash advance and personal finance app offering $50 $250 cash advances for eligible users. These advances can help cover an unexpected expense in a pinch. Cash loans can be a decent alternative to a high-cost payday loan, but they don’t come cheap considering the amount you can borrow.

If you’re considering downloading Brigit, here’s what you need to know about the app, how it works, who it’s best for, and how to qualify for one of its cash advances.

Time

While a cash advance from Brigit can be helpful, if you’re short on cash, you’ll need to meet the application’s eligibility requirements to qualify. Even if you qualify, you may not be approved for the amount you want. It’s also worth noting that the company has faced some regulatory issues recently. Still, the app has hundreds of positive reviews from users, so it might be worth checking out.

Who is Brigit best for?

The Brigit app can be a good solution if an unexpected expense arises, as its advances can help you cover that expense. It can also be a decent choice if you’re looking for help managing your money or building credit.

How the Brigit app works

Brigit has a free version with minimal features but does not include cash advances. To use this feature, you must purchase a subscription. In addition to cash advances, Brigit also offers other tools such as credit monitoring, credit building, identity theft protection, and budgeting, all of which are available with its top-tier subscription.

The Brigit Plus version costs $8.99 per month and the Premium version costs $14.99 per month. To start using the app, simply enter your mobile number on the Brigit website and the company will send you an SMS with a link to download the app. You can then decide whether to stick with the free version or upgrade to access all of Brigit’s tools.

Requirements to get a cash advance from Brigit

To qualify for cash withdrawal through Brigit, you must be a Plus or Premium subscriber. Premium subscribers benefit from express delivery of funds. You will also need to connect a checking account, which will need to meet the following requirements:

• The account was opened at least 60 days ago.
• Daily use for several weeks or longer.
• At least three direct deposits from the same employer.
• Balance greater than $0.

How to Get a Cash Advance at Brigit

1. Download the app

If you want to get a cash advance through Brigit, the first step is to download the app from the Brigit website.

2. Sign up for a Plus or Premium subscription

As mentioned, you will need a Plus or Premium subscription to access the cash advance feature. You can register for one of them in the Brigit app.

3. Link your checking account and meet the eligibility requirements

You need to link your checking account. Brigit will check your account history to determine if you qualify for a cash advance.

4. Get a cash advance

If you qualify, Brigit will tell you the maximum amount you may be eligible for. The company mentions that most users qualify for an advance of $50 to $100, although it claims to offer advances of up to $250.

5. Pay off your cash advance

You will then repay the cash advance, often on your next pay day. That said, you can request an extension through Brigit if you need additional time to repay.

Brigit app details

Right

To be eligible for Brigit, you must be at least 18 years of age and a U.S. resident. You’ll also need an active bank account to use some of the features available with paid subscriptions.

Deposits and withdrawals

Brigit requires direct deposit setup to qualify for the cash advance feature. You will need at least three deposits from the same employer. Once you request an advance, the money will be transferred to your linked bank account and you can withdraw or use it as you wish.

Interest and fees

You won’t pay any interest or fees on your Brigit advance, but you will pay monthly subscription fees for the privilege of using all the app’s features. Subscription fees are $8.99 or $14.99 per month, depending on the subscription type you choose.

Financing time

If you use Brigit’s Instant Cash feature to get a cash advance, you can expect funds in your linked bank account within two to three business days. You can also pay a small express shipping fee and receive your money within 20 minutes.

Customer reviews

Brigit users on Trustpilot and the Better Business Bureau (BBB) ​​have mostly positive reviews of the app. It has a rating of 4.3 out of 5 stars on 323 Trustpilot reviews and 4.17 out of 5 stars on 507 BBB reviews.

Satisfied customers praise the application’s quick turnaround for cash advances, helpful customer service team, and credit-building features. That said, some users say the app isn’t worth the price and report issues with canceling it.

Notably, Brigit’s Trustpilot page indicates that “the company has received regulatory attention.” In late 2023, Brigit reached a settlement with the Federal Trade Commission (FTC) for $18 million. The settlement follows allegations that Brigit made false promises to provide immediate cash advances of up to $250 for people living paycheck to paycheck and signing up consumers for hard-to-cancel monthly memberships. Brigit denied the allegations.

Pros and cons

Benefits of Brigit

Helpful tools

In addition to cash advances, Brigit offers tools that can protect your identity, help you get credit, and control your money. If you can take advantage of all of its tools and features, the monthly cost may be worth it.

Fast cash available

If you qualify for a cash withdrawal through Brigit, you can pay the express shipping fee to get your money quickly. Brigit claims that if you choose express delivery, funds will reach your account within 20 minutes.

Positive user opinions

Online reviewers are generally positive about Brigit. While user reviews are only one factor to consider when deciding whether an app is right for you, it’s encouraging to see that many former customers have taken advantage of Brigit’s tools and features.

What can be improved

Relatively high monthly cost

Unfortunately, Brigit is not cheap. A Plus subscription costs $8.99 per month, or about $108 per year. The Premium version costs $14.99 per month or about $180 per year. This is quite high for those who borrow, say, $50 a month. (The lower fee is almost 18% of $50, and the $14.99 fee is almost 30% of that amount – comparable to the interest rate charged by credit cards.)

Cash advances can be quite small

Brigit offers cash loans up to the amount $250but that doesn’t mean you’ll qualify for such a high down payment. If you read the fine print, you’ll notice that eligible users receive $50 advances $250with most getting just $50-100.

Linked bank account history required

To use all the features Brigit offers, you need to link your bank account. For example, if you want to use the instant cash feature, Brigit will need to access your bank account history to determine whether you qualify.

What does the Brigit app look like?

If Brigit doesn’t seem like the right choice for a cash advance, there are other apps available that can help you if you find yourself in a financial bind. For example, the Dave app offers cash advances of up to 500 dollarsand subscription fees are fair $1 per month. That said, transfer fees apply, so this is an important consideration if you download Dave.

EarnIn is another option that can provide a higher down payment amount if needed. Unlike Brigit, EarnIn has no monthly fee, although if you need a cash advance quickly, fees apply. The app doesn’t reveal these fees until it processes your transfer.

For whom Brigit is not suitable

Brigit is probably not the right choice if you are looking for a cheap app, as its cost ranges from around $108 to $180 per year. Likewise, it’s not a good choice if you don’t have an active, established checking account or often rely on cash advances to make ends meet. In this case, you may not qualify for cash advances.

Conclusion

Brigit offers cash loans and many features designed to improve your financial situation. However, the app is quite expensive and the FTC recently took regulatory action against it over alleged deceptive business practices. For these reasons, we recommend comparing different options if you’re looking for cash withdrawal apps or other personal finance management tools.

Frequently asked questions (FAQ)

Can you trust the Brigit app?

Brigit is a legal application that was created in 2017. Many former and current users praise it, although some express concerns about its cost and the difficulty of canceling a monthly subscription. In late 2023, Brigit agreed to an $18 million settlement after U.S. regulators accused it of using deceptive business practices.

Does Brigit actually send you $250?

Brigit offers $50 cash advances $250 authorized users. You will need to meet its eligibility requirements and you will not necessarily be eligible for $250 advance even if you do.

Does Brigit give you money right away?

Brigit offers an express payment feature available for cash advances. To use this feature, you will pay a small additional fee and the app will transfer the advance to your linked bank account within 20 minutes of applying.