Brigit: Borrow & Build Credit
How does Brigit's automatic cash advance feature work?
You set a minimum balance threshold, and if your linked bank account dips below that amount, Brigit automatically deposits cash to cover you. This can prevent overdraft fees, as it saved the reviewer $35 in fees twice when they forgot about subscriptions.
What credit score does Brigit track, and is it useful for loan approvals?
Brigit provides a VantageScore, not a FICO score, which is a soft pull that doesn't affect your credit. Most lenders use FICO scores for loan approvals, so the VantageScore is less practical for that purpose.
Why is Brigit's cash advance limit so low at first, and how can I increase it?
Brigit starts most users with a small limit, like $50, which can be frustrating. To increase it, you need consistent usage over several months—the reviewer got bumped to $200 after six months of regular use.
Does Brigit charge fees for cash advances on the free plan?
Yes, even on the free plan, instant cash advances come with a fee, which can feel sneaky. The most useful features, like higher limits and full budgeting tools, require the paid 'Plus' subscription.
How does Brigit compare to other finance apps like Dave or Earnin?
Brigit stands out with its automatic cash advance feature that triggers based on a minimum balance, unlike some competitors that require manual requests. However, like Dave, it pushes upsells for its premium plan, and its initial loan limits are smaller than some alternatives.
