Brigit

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.

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

Product category

Consumer Financial Wellness

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

Keywords

• Cash advance app
• Credit builder
• Financial wellness
• Paycheck advance
• Personal finance app

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core 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

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

One partnership is on record.

• Coastal Community BankcoreStrategic or Co-development PartnerCoastal 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

Direct 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

• Xx.com/hellobrigitapp
• Facebookfacebook.com/hellobrigitapp
• Instagraminstagram.com/hellobrigitapp
• LinkedInlinkedin.com/company/hellobrigit

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds6 records

Investors19 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Brigit