Brigit
Brigit is a US mobile financial wellness app offering paycheck advances ($25-$500), credit builder loans, budgeting tools, and identity protection to underbanked and credit-constrained consumers via subscription tiers, operating as a subsidiary of Upbound Group.
- Company typePrivate
- Founded2017
- HeadquartersNew York, United States
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
What Brigit does
Brigit (legally Bridge It, Inc.) is a US-based financial wellness platform founded in 2017 and headquartered in New York, serving paycheck-to-paycheck consumers, low-to-moderate-income Americans, and credit-building seekers. The mobile-first application, distributed exclusively through Apple App Store and Google Play, integrates with users' existing bank accounts via Plaid and delivers a suite of products: Instant Cash advances of $25-$500 with no credit check (underwritten on bank history and recurring direct deposit patterns), Credit Builder (a Coastal Community Bank installment loan reported to Experian, Equifax, and TransUnion), Finance Helper (budgeting and bill forecasting), Overdraft Prediction alerts, Identity Theft Protection (up to $1M coverage), and Deals & Offers (side gigs and cashback). The platform has reached 12M+ registered users with a 4.7+ App Store/Google Play rating across 562,000+ reviews, and operates as a wholly-owned subsidiary of Upbound Group Inc. (NASDAQ: UPBD) following a January 2025 acquisition valued at approximately $150M.
The company monetizes through a two-tier monthly subscription (Plus at $8.99/month for advances up to $250; Premium at $14.99/month for advances up to $500), supplemented by optional express delivery fees of $0.99-$3.99 per transaction and a free tier for basic budgeting. Distribution is product-led growth: users self-onboard in approximately two minutes without a credit check, with acquisition driven by app store optimization, content marketing (the hellobrigit.com/learn blog), earned media in mainstream personal finance publications, and word-of-mouth. As of Q4 2025, Brigit reported approximately 1.6 million paying subscribers, $65M in quarterly revenue (41.5% YoY growth), and nearly 10% ARPU growth, making it Upbound Group's fastest-growing segment. The company carries significant regulatory risk exposure, having settled with the FTC in November 2024 for over $17M in consumer refunds related to deceptive advertising and cancellation practices.
Brigit's strategic position is anchored by integration into Upbound's digital-first ecosystem serving 3.5 million credit-constrained consumers, providing a captive cross-sell pipeline that competitors without a parent of similar scale cannot easily replicate. Prior to the acquisition, Brigit had raised over $110M in total funding, including a $75M investment from Community Investment Management (2021) and a $35M Series A led by Lightspeed Venture Partners (2025). The competitive moat rests on proprietary underwriting based on bank account data analytics, subscription-driven retention, strong app store credibility signals, and the Upbound distribution channel.
Brigit firmographics
Firmographics- Name
- Brigit
- Legal name
- Bridge It, Inc.
- Website
- https://hellobrigit.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Brigit is a US mobile financial wellness app offering paycheck advances ($25-$500), credit builder loans, budgeting tools, and identity protection to underbanked and credit-constrained consumers via subscription tiers, operating as a subsidiary of Upbound Group.
- Ownership category
- akta.pro rank
Brigit industry classification
Industry- Product category
- Consumer Financial Wellness
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
Keywords
Where Brigit is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Brigit business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure
Revenue model
- Monthly Subscription (Core): Brigit charges a recurring monthly subscription fee (Plus: $8.99/month for advances up to $250; Premium: $14.99/month for advances up to $500). This is the primary revenue driver, providing access to cash advances and the full suite of financial wellness tools.
- Express Delivery Fees: Optional express transfer fees of $0.99 to $3.99 per transaction for faster funding, generating additional per-transaction revenue on top of subscription fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Plus Plan — $8.99/month: advances up to $250, full financial wellness tools, overdraft protection, credit builder access. |
| Subscription | Monthly | Premium Plan — $14.99/month: advances up to $500, full financial wellness suite. |
| Freemium | Monthly | Free Tier: basic financial insights and budgeting tools at no cost. |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Brigit product offering
Product offeringCore offering
Brigit is a mobile-first financial wellness subscription app that provides paycheck cash advances of $25-$500 with no credit check or late fees, a credit builder installment loan reported to all three major credit bureaus, free budgeting and spending-insight tools, and identity theft protection of up to $1 million. Users connect their existing bank account via Plaid and can self-serve through the iOS or Android app.
Product overview
Brigit is a financial health app offering a suite of tools for paycheck advances, credit building, and financial management. The core products include Instant Cash (paycheck advances of $25-$500), Credit Builder (reports to all three credit bureaus), Finance Helper (budgeting and spending insights), and Deals & Offers (gigs and discounts). Additional features include overdraft protection alerts and identity theft protection up to $1 million. The app is available on iOS and Android with 12+ million users and a 4.7+ rating.
Differentiator
Problem solved
Functional benefit
Products and services
- Instant Cash Paycheck advance service offering $25-$500 advances in minutes with no credit check, no late fees, and no mandatory tips, requiring 60+ days of bank history and three recurring direct deposits; priced via $8.99-$14.99 monthly subscription plus optional express delivery fees of $0.99-$3.99.
- Credit Builder Credit-building installment loan product, issued through Coastal Community Bank (Member FDIC), that reports on-time payments to Experian, Equifax, and TransUnion; requires as little as $1/month contribution, with no credit approval, no hard credit pull, and no upfront deposit.
- Finance Helper Free financial insights tool providing spending habit analysis, bill forecasting, category-based budget breakdowns, earnings-vs-expenses tracking, and savings tracking, available to all Brigit users.
- Deals & Offers Curated marketplace of partnerships inside the Brigit app offering side gigs, personal loan and car insurance savings, debt management tools, and cashback rewards on daily expenses for Brigit members.
Quantifiable outcome
- Members saved over $250 million in fees since the company's launch (based on average overdraft fee of $34)
- +4 more outcomes
Companies that use Brigit
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Brigit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature5 records
Brigit partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Coastal Community BankcoreCoastal Community Bank (Member FDIC) is Brigit's bank partner for the Credit Builder product. Brigit arranges a credit builder installment loan through the bank, which is deposited into an FDIC-insured deposit account. Brigit reports payment activity to Experian, Equifax, and TransUnion on behalf of the bank's loan product.
Scale indicators10 records
Recent moves5 records
Expansion highlights5 records
Brigit competitors and assessment
Company assessmentDirect peers
- Dave: Dave is a direct competitor offering cash advances, budgeting tools, and a subscription membership to underbanked consumers. Its Extra Cash product and Dave Banking overlap directly with Brigit's Instant Cash and Finance Helper offerings.
- Earnin: Earnin pioneered the earned wage access category with no-mandatory-fee cash advances tied to direct deposit, directly overlapping Brigit's Instant Cash product for the same paycheck-to-paycheck customer segment.
- MoneyLion: MoneyLion offers Instacash advances, credit builder loans, and a financial membership subscription, making it a direct multi-product competitor to Brigit's combined cash advance, credit building, and subscription bundle.
- Albert: Albert provides cash advances, budgeting, and a Genius subscription tier for underbanked consumers, directly competing with Brigit's Instant Cash and Plus/Premium subscription model.
Emerging players
- Possible Finance: Possible Finance offers small-dollar installment loans to subprime consumers via a mobile app, overlapping with Brigit's credit-building and short-term liquidity products, though focused more on installment lending than earned wage access.
- Current: Current is a fintech offering early-paycheck access as part of its mobile banking product, competing with Brigit on cash advance functionality while bundling checking and debit card services.
Broad incumbents
- Chime: Chime is a large neobank offering early direct deposit, fee-free banking, and MyPay (early wage access). It serves a similar underbanked demographic but as part of a much broader banking ecosystem that cross-subsidizes the advance feature.
- Varo Bank: Varo is a nationally chartered digital bank offering early direct deposit, cash advances, and credit-building products to underbanked consumers, overlapping with Brigit's target customer and product suite.
- Credit Karma: Credit Karma provides free credit monitoring, identity protection, and personal loan marketplaces, overlapping with Brigit's Credit Builder and Identity Theft Protection products while serving a broader consumer base.
Regional players
- Even (Responsive Industries): Even offers earned wage access primarily through employer partnerships, overlapping with Brigit's direct-to-consumer cash advance model but distinguished by its B2B distribution channel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Brigit social profiles
Digital presenceBrigit compliance and trust
Trust signalCompliance2 records
Brigit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Brigit leadership team
Management profileNumber of profiles
Profiles5 records
Brigit funding detail
Funding detailFunding overview
Funding rounds6 records
Investors19 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Brigit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Brigit
What does Brigit do?
Brigit is a mobile-first financial wellness subscription app that provides paycheck cash advances of $25-$500 with no credit check or late fees, a credit builder installment loan reported to all three major credit bureaus, free budgeting and spending-insight tools, and identity theft protection of up to $1 million. Users connect their existing bank account via Plaid and can self-serve through the iOS or Android app.
Is Brigit a public or private company?
Brigit is a private company. It is classified as corporate owned and is currently operating.
When was Brigit founded?
Brigit was founded in 2017. It employs 51 to 100 people.
Where is Brigit based?
Brigit is headquartered in New York, United States, in the North America region.
How does Brigit make money?
Two revenue lines are on record. Monthly Subscription (Core) is the primary driver. The others are express Delivery Fees.
Who are Brigit's main competitors?
Direct peers on record are Dave, Earnin, MoneyLion and Albert. Emerging players are Possible Finance and Current. Broad incumbents are Chime, Varo Bank and Credit Karma. Even (Responsive Industries) is listed as a regional player.
Does Brigit have an API?
No public API is recorded for Brigit.
What industry is Brigit in?
Brigit's product category is Consumer Financial Wellness. Its primary akta.pro industry code is FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured). Its SIC code is 6141.