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Bright - Crush Your Card Debt
Bright - Crush Your Card Debt Vs. Albert: Budgeting and Banking

Bright - Crush Your Card Debt vs Albert: Budgeting and Banking Usage & Stats

1. Loan offers of up to $10,000(1) with no impact on your score(2) to check Multiple loan offers in a few clicks. You can use the loan to pay off debt like your credit cards. All credit scores can apply. 2. Build credit history with Bright Builder(3) Get a secured line of credit starting at $50. Make on-time payments(3) monthly, get payments reported to the credit agencies, and build history. 3. Build credit history with monthly rent payments Get rewarded for paying rent on time(4). Get credit for up to past 2 years of rent payments. 4. Customized debt pay-off plan with Bright Plan Create a customized pay-off plan to repay credit card debt. Whether a long-due trip, a favorite car, a new house, or a happy retirement, the Bright App guides you toward smart budgeting with your current income. 5. AI-driven budget plan tailored for you 6. Expert tips to manage your money Get access to expert finance guidance on the Bright App. Use Bright’s resources, such as short articles, practical guides, and a comprehensive answer bank for all your money questions. 7. 24*7 live chat and seamless email, call support Email us at support@brightmoney.co or call us on +1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)] Unlock savings with our subscription plans! Choose from different monthly plans based on your convenience: 12-Month Plan - $97 billed annually (Save 15% compared to monthly billing) 6-Month Plan - $68 billed every 6 months 3-Month Plan - $39 billed every 3 months 1. Personal loan offers of up to $10,000 are made through Even Financial Corp and its network of financial partners who will determine if you are eligible for a loan. Subject to credit approval and state restrictions. Not all applicants will qualify for the full loan amount, advertised rates or terms. See brightmoney.co for more information 2. With your authorization, a soft credit pull may be conducted to facilitate the offer process, but it will not affect your credit score. If after receiving your offer(s) you choose to apply for a loan directly with a lender, the lender may conduct a hard credit pull that can affect your credit score. 3. Payment history has the biggest impact on Credit Score, accounting for 40% of how the score is calculated per TransUnion ( https://www.transunion.com/credit-score ). Bright Builder helps you build payment history that may positively improve your Credit Score. Credit Score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will have a negative effect on your Credit Score. 4. Bright reports customer rent history to TransUnion and Equifax credit bureaus. Please note that credit score improvement is not guaranteed, and individual outcomes may vary. Late payments, missed payments, or other defaults on accounts with Bright or other creditors may negatively impact your credit score. Bright does not control credit score calculations, as they are determined independently by the credit bureaus. Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loans are made through Even Financial Corp and its network of financial partners who will determine if you are eligible for a loan independent of Bright. Deposit accounts are provided by Evolve Bank & Trust, Member FDIC. Bright is a financial technology company, not a bank. When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.

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#1,891

Albert: Budgeting and Banking

THE ALL-IN-ONE MONEY APP Budget, save, spend, and invest — all in one incredibly powerful app. Get 24/7 identity monitoring, earn on your savings, and ask our finance experts anything. Subscription required. Try 30 days before you’re charged. ONLINE BANKING Set up direct deposit and get paid up to 2 days early. Earn cash back at select stores. Albert is not a bank. See disclosures below. BUDGETING AND PERSONAL FINANCE MANAGEMENT Get a monthly budget, track expenses, and use planning tools to customize your spending plan. See all your accounts in one place and track recurring bills. We’ll help find subscriptions you don’t use and negotiate to lower your bills. AUTOMATIC SAVING AND INVESTING Smart money automatically transfers money to your Albert Savings and Investing accounts throughout the week. Open a high yield savings account to earn competitive APY on your deposits, over 9x the national average. Invest in stocks, ETFs, and managed portfolios. See disclosures below. PROTECT YOUR MONEY 24/7 monitoring on your accounts, credit, and identity. Get real-time alerts when we detect potential fraud. Plus, track your credit score over time. DISCLOSURES Albert is not a bank. Albert Cash banking services provided by Sutton Bank, Member FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, including Coastal Community Bank, and Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Sutton Bank, pursuant to a license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds in Albert Cash are held in a pooled account at Sutton Bank. Funds in Savings accounts are held at Coastal Community Bank or Wells Fargo, N.A., disclosed on account opening. Cash and Savings account funds are eligible for up to $250,000 in FDIC insurance on a pass-through basis. Your FDIC insurance is subject to specific conditions being satisfied. Albert plans range from $11.99 to $29.99. Try 30 days before you're charged. The fee will auto-renew until canceled or your Albert account is closed. Cancel in the app. See Terms of Use and Account Agreement for more details, including fee information. The Instant Advance is available to you at Albert’s discretion. Limits range from $25-$250, subject to eligibility. Not all customers will qualify. Transfer fees may apply. Early access to direct deposit funds may vary depending on the payer’s deposit timing. Cash back rewards are subject to Terms of Use. For High Yield Savings accounts, interest rates are variable and subject to change at any time. These rates are current as of 12/19/24. There is no minimum balance requirement. Genius is required to access High Yield Savings. Fees to use Albert may reduce the earnings on your account. Brokerage services provided by Albert Securities, member FINRA/SIPC. Investment advisory services provided by Albert Investments. Investing accounts are not FDIC insured or bank guaranteed. Investing involves the risk of loss. More info at albrt.co/disclosures. Credit score calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits at albrt.co/id-ins. Address: 440 N Barranca Ave #3801, Covina, CA 91723 No customer support available at this address. Visit www.albert.com for customer support details. Not affiliated with personal finance budget apps such as Rocket Money, Everydollar, Monarch Money, Quicken Simplifi, Pocketguard, Copilot or Nerdwallet.