Brigit Review: How It Works, Fees and Is It Worth It?

Brigit is a cash advance app that offers eligible users advances of up to $500 with no hard credit check. Unlike traditional borrowing options such as personal loans, Brigit advances are typically repaid from your next paycheck and require a paid membership starting at $8.99 per month.

Brigit may be a good fit if you receive consistent direct deposits and want overdraft protection and budgeting tools. If you only need an occasional advance or want to avoid monthly subscription fees, another cash advance app may be a better fit.

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Key Takeaways

• Brigit offers cash advances of up to $500 with no hard credit check, though most users qualify for around $73. The basic plan is free, but cash advance access requires a Plus or Premium membership costing $8.99 or $15.99 per month.

• You repay advances automatically from your next paycheck, with no interest or late fees. Standard transfers take one to three business days, while expedited delivery may cost extra.

• Consider Brigit if you have steady direct deposits, want overdraft protection and need credit-building tools. Skip it if your income is irregular, you need more than $500 or you want to avoid subscription fees.

Summary generated by AI, verified by MoneyLion editors

Brigit Features at a Glance

What Is Brigit?

Brigit was established in 2017 and it's designed for everyday Americans who want to access cash for emergencies. There’s no hard credit check, and you can get additional features with paid subscriptions. With a subscription, you can also access identity theft protection and credit-building tools.

How Brigit Works

Brigit provides paycheck advances rather than personal loans or lines of credit, so you're accessing money before your next payday instead of borrowing through a traditional lender.

Here are the key features of Brigit and how it works as a type of cash advance service:

• Advance amount: Up to $500, though most users receive around $73.

• Funding speed: Instant or up to 3 business days, depending on delivery method.

• Repayment: Automatically withdrawn on your next pay date.

Brigit Costs and Fees

Here's a closer look at what each fee includes.

• Monthly membership fee: The basic plan is free. Plus membership is $8.99, and Premium membership is $15.99.

• Instant transfer fee: Transfers are free if you wait up to three days for delivery. Some members may receive instant transfers at no cost, though Brigit doesn't disclose its full fee structure for expedited delivery.

• Interest fees: Brigit doesn’t charge interest.

• Late fees: No late fees are associated with Brigit.

• Overdraft fees: If your account balance is too low and Brigit tries to withdraw from your account, the bank may charge an overdraft fee.

Pros and Cons of Brigit

Curious about the advantages and disadvantages of Brigit? Here's the breakdown.

Brigit Eligibility Requirements

To be eligible for a Brigit cash advance, you first have to meet Brigit’s minimum score qualifications. The score you’ll need will be listed in your account and ranges from 40 to 100.

Brigit calculates your score based on your account health, spending habits and income consistency to determine whether you qualify for advances.

Here’s what else is required to qualify:

• Active checking account

• Positive account balance

• Recurring direct deposits

How To Get a Brigit Cash Advance

1. Download the Brigit app.

2. Follow the prompts to provide some basic information.

3. You will be asked to link your primary checking account.

4. Wait for your Brigit score, which will be between 40 and 100.

5. Sign up for a membership and verify your identity.

6. Click on “Request an advance.”

7. Select a funding speed. You can elect for standard or expedited delivery.

8. Enter your repayment details. You can time it with when your paycheck hits.

Brigit vs. Other Cash Advance Apps

Here’s how Brigit stacks up against other apps that offer similar features.

Dave

Dave offers up to $500 cash with no credit check or hard inquiry on your credit. However, unlike Brigit, Dave charges an overdraft fee of 5% or $5 — whichever is more. Not many people will qualify for a $500 cash advance.

EarnIn

EarnIn lets eligible users access money they've already earned before payday without mandatory monthly fees. While advance limits are higher for some users, eligibility depends on your pay schedule and employment.

Instacash

Instacash from MoneyLion allows eligible customers to access up to $500. This service doesn’t come with a credit check or interest charges.

Payactiv

Payactiv is an example of EWA, which allows workers to access wages they've already earned rather than borrowing. You cannot access this feature if your employer hasn’t signed up for Payactiv. Brigit is available to anyone.

Who Brigit Is Best For

Choose Brigit If You

• Have no or low credit

• Frequently face overdraft fees

• Want to build your credit

• Have consistent direct deposits in your bank account

Choose Another Option If You

• Need more than $500

• Want to avoid subscription fees

• Have irregular or inconsistent income

Final Take

Brigit is best for those with predictable paychecks who don't mind paying a monthly subscription in exchange for cash advances, overdraft protection and budgeting tools. If you only need occasional access to cash or want to avoid subscription fees, another cash advance app may be a better fit.

Brigit Cash Advance FAQs

Still deciding whether the Brigit app is worth the monthly fee? Here are quick answers to the questions people ask most before they sign up.

Is Brigit a loan?

No, Brigit is a cash advance service. It’s an advance on your upcoming paycheck.

Does Brigit check your credit?

There are no hard credit checks at Brigit.

How much can you borrow with Brigit?

You can borrow up to $500. Most people qualify for around $73.

Is Brigit free?

There’s a free service plan, but if you want the Plus or Premium tiers, there’s a fee.

• Plus costs $8.99 per month.

• Premium costs $15.99 per month.

How fast does Brigit deposit money?

Free standard delivery is one to three days. If you want instant delivery, there’s an additional fee.

Key Terms

• Cash advance: A short-term way to get money before your next paycheck, usually for $500 or less and repaid automatically on payday. App advances typically charge no interest, unlike credit card cash advances.

• EWA: A service that lets you tap wages you've already earned before your scheduled payday.

• Overdraft protection: A feature that covers a transaction when your balance is too low, helping you avoid a bank overdraft fee. Brigit can send an advance automatically before you overdraw.

• Hard credit check: A review of your full credit report that a lender runs when you apply for credit, which can lower your score by a few points. Brigit does not run one.

• Direct deposit: An electronic transfer of your paycheck straight into your bank account. Brigit requires recurring direct deposits to verify income and set your advance limit.

• Credit builder: A tool designed to help you build credit history over time. Results are not guaranteed and depend on your overall credit profile.

Summary generated by AI, verified by MoneyLion editors

Photo credit: Angela Kotsell / Getty Images / iStockphoto

Data is accurate as of July 9, 2026, and is subject to change.