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Brigit is a cash advance app that offers a maximum advance of up to $250 and doesn't require a credit check. Since its launch in 2019, the New York-based company states that it saved its over 4 million members from $750 million in fees.
$50-$250
None
Next paycheck or income deposit
Brigit's cash advance maximum is much smaller than similar apps, making it best for users who need to borrow a small amount immediately. The app initially approves you for a low set amount and provides incremental increases over time with consistent on-time repayments.
After downloading the Brigit app, you'll need to connect your primary checking account. After selecting a plan — and confirming the monthly subscription fee — your bank account must meet the following standards to get approved:
Once your account is connected to Brigit's app, you'll be given a score between 0 to 100. To qualify for Brigit Instant Cash, you need a score between 40 and 100. The score is based on three categories:
Klover and Brigit offer similar cash advance amounts, though Klover's is slightly lower at $200. Brigit also comes ahead when it comes to payment extensions — Klover requires an established history of repayments, where Brigit doesn't. Where Brigit falls short is its monthly cost. Klover doesn't require a monthly membership fee to access cash advances.
Dave offers a max advance of $500 and a membership fee of $1 per month. Much like other cash advance apps, Dave has an account that users can sign up for, including an early paycheck deposit feature.
Dave's low monthly fees, coupled with its features, like a personalized budget and potential overdraft alerts, set it apart from Brigit and its competitors on the market.
Brigit initially routes all help requests through its chatbot, which is available 24/7. There is no information on how to contact live customer support without first using the chatbot. The support option offered to the Bankrate team through the chatbot was email, with no information about hours of support.
After downloading the mobile app, it only takes a few steps to request a cash advance through Brigit.
Along with not initiating a hard credit check, Brigit offers features that can help you improve your overall financial health. For one, it has a feature that will alert you if you're in danger of overdrafting your account. It also offers a budgeting tool — called Finance Helper — within the app that can help you manage your current finances.
Brigit charges a monthly membership fee of $9.99 for its lowest tier subscription, called Plus, and $14.99 a month for its premium tier. There is also an optional fee if you want to receive your cash advance funds instantly, which ranges from $0.99 to $3.99 depending on your subscription tier.
| Overall Score | 4.3 | |
|---|---|---|
| Availability | 4.3 | Brigit has both a high minimum amount and low maximum amount. |
| Affordability | 4.6 | There is no free version available for Brigit's cash advances, which lowers its score in this category. |
| Customer Experience | 4.2 | Brigit has extremely limited customer service support options, but has a highly rated app and payment extension options. |
To select the top cash advance apps, the Bankrate team evaluates companies using a 16-point ranking system, known as the Bankrate Score. The Bankrate Score focuses on three key aspects: availability, affordability and customer experience. These are some of the factors considered as part of each category:
Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.
