{"app_store_id":1511043796,"slug":"bright-loans-credit-builder-1511043796","name":"Bright: Loans & Credit Builder","subtitle":"AI Loan Asst > Credit & Loans","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/9e/8f/5e/9e8f5eea-7520-37e9-bc17-44e7c8a60ab7/AppIcon-0-0-1x_U007emarketing-0-6-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/bright-loans-credit-builder/id1511043796?uo=4","price":0,"currency":"USD","rating":4.76201,"rating_count":282342,"in_app_purchases":false,"recent_rating":3.75,"recent_review_count":20,"reviews_checked_at":"2026-10-15T03:06:53.111Z","primary_genre":"Finance","version_date":"2026-10-15T10:05:18Z","updated_at":"2026-10-20T15:24:13.381Z","stale":false,"missing_since":null,"one_liner":"Free finance app offering loan offers, cash advance options, secured credit building, rent reporting, debt plans and.","verified_maker":false,"maker_site":null,"file_size_bytes":101356544,"minimum_os":"15.6","content_rating":"17+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/3b/a4/6a/3ba46a18-788b-06a0-69fb-87ed53049976/1.1_1290_x_2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a0/bf/01/a0bf0115-de3c-cf02-01d0-311bba965866/1.2_1290_x_2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a6/4a/b3/a64ab341-4c38-3e7b-41a8-466dfe1038fc/1.3_1290_x_2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/6d/43/7f/6d437f01-43d8-88fe-0c7b-328ed34bf718/1.4_1290_x_2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/83/da/d0/83dad0f5-67c7-e01d-cfaf-528780520234/1.5_1290_x_2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/72/df/76/72df7607-5461-c3e9-b5ba-c73e13313934/1.6_1290_x_2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/19/33/db/1933dbfa-6878-0d85-b844-b0cd302b4bb8/1.7_1290_x_2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ac/8d/a3/ac8da342-912e-704a-9776-35664a2f505f/1.8_1290_x_2796.jpg/320x480bb.jpg"],"developer_name":"Bright Capital Inc","editors_choice":false,"url":"https://apptierlist.com/apps/bright-loans-credit-builder-1511043796/","api_url":"https://apptierlist.com/api/v1/apps/bright-loans-credit-builder-1511043796","schema_version":"1.0","generated_at":"2026-10-21T22:38:56.636Z","data_as_of":"2026-10-21T22:23:13.328Z","description":"1. Loan offers of up to $10,000(1) with no impact on score to check\nMultiple loan offers in one app. Compare rates, terms, and fees from different lenders and choose what works best.\n\n2. Cash Advance offers up to $750\nGet cash for emergencies or other needs. Offers up to $750(2) with no credit check(3). Multiple options available.\n\n3. Build credit history\nGet a secured line of credit starting at $50. Make on-time payments, get reported to credit agencies, and build credit history(4).\n\n4. Build credit history with rent\nBuild credit with rent payments you already make(5). Get rewarded for paying on time and report up to 2 years of past payments.\n\n5. Get customized debt pay-off plans\nA customized plan built with AI to manage debt and pay off smartly with your current income(6).\n\n6. Manage your bills \nView all subscriptions in one place. Track recurring payments, find savings, and cancel unwanted plans(7).\n\nUnlock savings with our exclusive subscription plans!\n12-Month Plan - $97 billed annually\n6-Month Plan - $68 billed every 6 months\n3-Month Plan - $39 billed every 3 months\nCancel anytime. Bright Premium membership is not required for Bright Builder or Personal Loan offers.\n\nQueries? Email us at support@brightmoney.co or call us on\n+1 877-274-6494 [OPERATIONAL HOURS [Mon-Fri] - 9:30 TO 6:30 PM (CST)]. 24*7 live chat support\n\n\n1. Personal loan offers are provided by third parties, subject to credit approval, state restrictions, and terms; Bright Money may receive referral compensation but does not endorse or guarantee these products. For more details, please see our full Loan Disclosures.\n2. Cash Advance offers are provided by Network Partners and third parties, not Bright Money. The Cash Advance amount ranges from $25 to $750.Terms, eligibility, fees, and approval are determined by the partners. Please refer to the respective Network Partner’s app for complete terms and conditions.\n\n3. \"No Credit Check” applies only to Cash Advance offers from Network Partners. Other products may require a credit check. Bright Money does not guarantee approval\n4. Secured line of credit with minimum deposit starting at $50. Loans provided by Bright Capital Inc., NMLS (2410428). Credit reporting to Equifax, Experian and TransUnion. State restrictions apply. Any credit scores, score changes, or improvements shown or inferred are estimates only. Credit score increase or loan approval is not guaranteed. Late payments or other defaults can have a negative impact on your credit score.\n5. Bright reports rent payment to TransUnion & Equifax. You can report up to 2 years of past and ongoing rent payments. Individual results may vary. Score improvement is not guaranteed. This is a paid service on top of Active Bright Membership and incurs a cost starting at $31 for up to 2 years of past reporting and $4 per month for ongoing. \n6. Bright Plan is intended for educational purposes only to help customers make decisions regarding the repayment of credit obligations. The Bright Plan does not constitute a recommendation for debt repayment, credit counseling, or credit servicing. Customers can modify or change the Plan as they wish. Savings accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC.\n7. Results will vary. Savings are not guaranteed. Potential annual savings are based on an analysis of 12,846 Bright Money users, with a median savings opportunity of $119.88. Available with eligible Bright Money memberships.\n\nBright is a financial technology company, not a bank. Personal Loans are provided by Bright’s Network Partners (https://www.brightmoney.co/legal/network-partners). Bright Capital Inc. (NMLS #2410428) holds the following state licenses and registrations\n(https://www.brightmoney.co/legal/state-licenses-and-consumer-information/licenses-in-states) and does business under the following DBAs\n(https://www.brightmoney.co/legal/state-licenses-and-consumer-information/doing-business-as-dba).","facts":{"developer_id":1510815258,"developer_url":"https://www.brightmoney.co","first_released":"2020-06-30T07:00:00Z","support_url":"https://www.brightmoney.co/help","privacy_url":"https://www.brightmoney.co/legal/privacy-policy.html","website_url":"https://www.brightmoney.co/","app_version":"1.63.1","release_notes":"What’s new?\n\nIntroducing a Faster, Smoother Login Experience on Bright Money\nA custom in-house solution for your login experience. This enhances overall efficiency and gives us more control to fine-tune every detail.\nHere’s how this update benefits you:\n+ Faster Login Times: Get into your account quicker than ever. \n+ Improved Reliability: A seamless and steady experience, every single time. \n+ Enhanced Control: Ensures optimal performance with the highest security standards.","rating_current_version":4.76201,"rating_count_current_version":282342,"star_counts":[8267,1711,6464,16065,249835],"genres":["Finance"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipod"],"chart":{"name":"top-free Finance","position":48}},"freshness":{"apple_read_at":"2026-10-20T15:24:13.381Z","catalog_read_at":"2026-10-20T15:24:13.381Z","reviews_checked_at":"2026-10-15T03:06:53.111Z","summary_written_at":"2026-10-16T15:32:54.351Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-21T22:23:13.328Z"},"editorial":{"one_liner":"Free finance app offering loan offers, cash advance options, secured credit building, rent reporting, debt plans and.","what_is":"Bright: Loans & Credit Builder is a free Finance app listed on the App Store. The listing describes loan offers from third parties, cash advance offers from Network Partners, a secured line of credit, rent payment reporting, AI-built debt pay-off plans, and a tool to view and cancel subscriptions. Optional Bright Premium subscriptions are priced at $97 per year, $68 every 6 months, or $39 every 3 months.","good_for":["Comparing personal loan offers from different lenders","Building credit history with a secured line of credit","Reporting on-time rent payments to credit agencies"],"pricing":"Bright: Loans & Credit Builder is free, with no in-app purchases on the App Store.","faq":[{"q":"Does checking loan offers affect my credit score?","a":"The listing says loan offers can be checked with no impact on score. Personal loan offers are provided by third parties and are subject to credit approval, state restrictions, and terms."},{"q":"Do I need a credit check for a cash advance?","a":"The 'No Credit Check' label applies only to Cash Advance offers from Network Partners, with amounts from $25 to $750. Other products may require a credit check, and approval is not guaranteed."},{"q":"Is Bright Premium required to use the loan offers?","a":"The listing states Bright Premium membership is not required for Bright Builder or Personal Loan offers. Rent reporting is a paid service on top of an active Bright membership, starting at $31 for up to 2 years of past payments."}],"model":"claude-haiku-5-5","created_at":"2026-10-16T15:32:54.351Z"},"memberships":[{"list":"loan-finding","list_name":"loan finding","list_status":"active","list_url":"https://apptierlist.com/best/loan-finding/","position":2,"tier":"A","score":84.9,"components":{"rating":95.2,"votes":94.5,"rank":50,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"},{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":8,"tier":"A","score":85.2,"components":{"rating":95.2,"votes":94.5,"rank":51,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"},{"list":"cash-advances","list_name":"cash 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