Brigit Cash Advance App: 2024 Review

Brigit pros and cons

Best for: users who only need to borrow a small amount 

Brigit's cash advance maximum is much smaller than similar apps, making it best for users who need to borrow a small amount immediately. The app initially approves you for a low set amount and provides incremental increases over time with consistent on-time repayments. 

How to qualify for a Brigit advance 

After downloading the Brigit app, you'll need to connect your primary checking account. After selecting a plan — and confirming the monthly subscription fee — your bank account must meet the following standards to get approved:

• Be active for a minimum of 60 days.
• Have a nonzero balance. 
• Have at least three recurring deposits from the same source, like a direct deposit from an employer.

Once your account is connected to Brigit's app, you'll be given a score between 0 to 100. To qualify for Brigit Instant Cash, you need a score between 40 and 100. The score is based on three categories:

1. Bank account status and activity.
2. Spending behavior and payment history. 
3. Monthly recurring deposits and deposit history.

How this app compares 

Brigit vs. Klover

Klover and Brigit offer similar cash advance amounts, though Klover's is slightly lower at $225. Brigit also comes ahead when it comes to payment extensions — Klover requires an established history of repayments, where Brigit doesn't. Where Brigit falls short is its monthly cost. Klover doesn't require a monthly membership fee to access cash advances.

Brigit vs. Dave

Dave offers a max advance of $500 and a membership fee of $1 per month. Much like other cash advance apps, Dave has an account that users can sign up for, including an early paycheck deposit feature. 

Dave's low monthly fees, coupled with its features, like a personalized budget and potential overdraft alerts, set it apart from Brigit and its competitors on the market. 

What we like and what we don’t like

What we like

• Overdraft protection: Brigit provides automatic advances to prevent overdrafts if you meet specific requirements. There is also the option to turn off auto advances.
• Budgeting tools and resources: In addition to cash advances, Brigit offers a suite of budgeting tools to help you improve your financial health.
• Payment extensions: Payment extensions are available until 3 p.m. ET the business day before the payment is due as long as you have an extension credit. 

What we don’t like

• High minimum amount: Most cash advance apps will allow you to borrow as little as $10 — significantly lower than Brigit's minimum.
• Low maximum amount: Other comparable cash advance apps have maximums of $500 — and in some cases even up to $750.
• Mandatory monthly subscription fees: You have to pay a minimum monthly fee of $9.99. Similar apps charge either lower basic subscription fees or none at all.

Brigit features and perks 

Along with not initiating a hard credit check, Brigit offers features that can help you improve your overall financial health. For one, it has a feature that will alert you if you're in danger of overdrafting your account. It also offers a budgeting tool — called Finance Helper — within the app that can help you manage your current finances. 

How Bankrate rates Brigit