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Brigit App | Reviews by SmallBizGenius

ByJulija A.
June 28,2022
We form affiliate partnerships with some of the companies mentioned in our reviews, which means we may get a small monetary compensation every time you purchase a product using the links on our website. This does not influence the contents of our reviews. Learn more by reading our Affiliate disclosure.

Brigit aims to provide high-quality service to its customers without any hidden fees, which includes contract-free loans and financial management advice. Let’s take a closer look and see if Brigit fulfills its promises.


Stay on top of your finances with the free version of the app Get an interest-free loan for only $9.99 a month

pros thumb up Pros
  • No interest rates on loans
  • No hidden fees
  • Users can improve their credit scores and build up their savings
  • Favorable Brigit app reviews
  • Free version of the app
cons thumb down Cons
  • Customer support only via email
  • Maximum loan amount is only $250

What Is Brigit?

Brigit is a New York-based company that offers a range of financial services and products. It is a relatively young company, having been founded in 2017. Nevertheless, it has been highly successful, in part because of its excellent, feature-rich app. The app currently has over three million users and is available both on Android and iOS. 


Around 70% of small businesses are in outstanding debt. Therefore, many small-business owners may want to take advantage of the features offered by services such as Brigit to improve their finances.

The company offers two plans. The free plan provides limited access to the following features: Finance Helper, Insights, and Earn Extra.

The paid version of the app is called Brigit Plus, and it offers access to the full feature set. This includes six additional tools: Credit Builder, Credit Protect and Secure, Instant Deposit, Auto Advances, Flexible Repayment, and Identity Theft Protection.

  • Finance Helper

The Finance Helper feature is there to help users improve their financial management. It offers information about the user’s previous, current, and future financial outcomes.

  • Insights

Through this tool, Brigit gives you personalized tips on how to better manage your money.

  • Earn Extra

This feature allows you to browse through full and part-time job opportunities.

  • Credit Builder

Brigit’s credit builder feature helps the user improve their credit score, and also allows them to build up their savings. The way it works is simple: You open a Credit Builder account, and Brigit sets up a loan for you that can be paid off over the course of 12 or 24 months.

In addition to making interest-free payments, you pay an additional amount that is refunded after the debt is paid. The minimum amount you’re required to deposit is only $1.

  • Credit Protect and Secure

Full credit reports are available on the Brigit app to help you keep track of your credit. 

  • Instant Deposit

A major perk of Brigit is the option to get an instant loan of up to $250 without a credit check, or Annual Percentage Rate (APR). There are also no hidden fees. However, this amount is half of what some of Brigit’s competition offers.

To qualify for Brigit’s cash advance feature, the user must meet certain requirements. This includes:

  • The user’s checking account should be open for at least 60 days.
  • They should use their account every day during that 60-day period. 
  • Their balance should be above $0.
  • There should be a minimum average balance in the account the day after they receive their paycheck.
  • The user should have received at least three deposits from the same source (their employer, in most cases).

Brigit doesn’t conduct a credit check to accurately assess someone's eligibility. Instead, the company calculates the Brigit score, which ranges from 0 to 100. If you end up not qualifying for Brigit loans, you can take a look at some companies offering loans for individuals with poor credit scores.

  • Auto Advances

Automatic advances are there to save you from overdrafts. Brigit reviews and analyzes your balance and spending habits, and when you’re approaching an overdraft, it will automatically deposit cash into your account. This feature is optional, so you can disable it at any time.

  • Flexible Repayment

In case you need more time to repay the loan, Brigit allows for a free extension with no hidden fees.

  • Identity Theft Protection

Brigit has an identity theft protection feature: If a user has their details stolen while using the app, they can receive compensation for resulting expenses of up to $1 million. 


The Brigit app is free to download and use. However, if you wish to have access to all of the above-listed features, you’ll need to pay $9.99 per month for the Plus plan. There are no additional fees or interest rates.

User Interface and Sign-Up Process

The Brigit app has a clean and elegant interface, making it easy to use and navigate. For those looking to use the Brigit advance feature, apart from entering their email and phone number, linking a bank account is also necessary during sign-up. Once you go through the verification steps, you’ll be all set to use the app.


Brigit has put in extra effort to ensure its user data is kept safe. It employs top-of-the-line 256-bit encryption, along with several other security features. The app has multi-factor verification, and also monitors user activity, notifying them if there is anything unusual on their account.

User Experience

The Brigit app holds an exceptional rating of 4.8 from iOS users on the App Store based on over 170,000 reviews. On Google Play, it has a rating of 4.5, with over 75,000 user reviews.

Many users listed no hidden fees as one of the main reasons they would recommend the app. Some users also noted that using the app helped them save more money than they spent on the membership fee.

It’s commendable that Brigit took the time to respond to positive and negative reviews alike. Negative reviews always receive prompt responses from Brigit support agents eager to help resolve the issue.

Customer Support

Brigit’s customer service team consists of an AI-powered chatbot and customer service agents. The chatbot is available 24/7, although it’s unlikely to be able to help with complex inquiries.

If you need to reach out to customer service agents, you can do so via email, and responses usually take up to 24 hours. Unfortunately, the agents aren’t available over the phone.

Some customers who left reviews on the Brigit app said that the customer service takes too long to respond. However, they noted that, once they received the replies, the agents were extremely friendly and helpful.

Final Thoughts

As you can tell from our Brigit review, this is an excellent app. It offers instant loans without a credit check, and has a number of features to help you keep track of your finances. The only major downside is the customer support, which could be faster and easier to contact. Otherwise, the app is definitely worth trying out.

Does Brigit charge a monthly fee?

Brigit doesn’t charge a fee for access to basic features. However, this free version is quite limited. To be able to take out a Brigit loan, and use its other handy features, you need to pay $9.99 per month.

How do I qualify for a Brigit loan?

You should be active on your Brigit account daily for at least 60 days. Also, your balance needs to be more than $0, and you ought to have received at least three deposits from a single source.

Does Brigit check credit?

No, Brigit doesn’t perform any credit checks. However, it does calculate a Brigit score based on which it decides whether a candidate qualifies for a loan.

Is the Brigit app safe?

Yes, the Brigit app is generally safe to use. It utilizes 256-bit encryption, the same kind that banks use. They also allow you to set up multi-factor authentication. Numerous positive Brigit app reviews are a testament to the fact that the app can be trusted.