# Bright Lending — user reviews > 37 indexed App Store user reviews of Bright Lending by BWDS, LLC, rated 2.50/5 from 73 ratings. - Source: https://appshunter.io/ios/app/bright-lending/id1626378613/reviews - App overview in markdown: https://appshunter.io/ios/app/bright-lending/id1626378613.md - Rating breakdown: 5★ 23 · 4★ 4 · 3★ 1 · 2★ 1 · 1★ 44 ## Newest reviews (12 of 37) ### 1/5 — Fraud *2024-10-17, version 1.8* Interest rates are higher than in the most dangerous cities in the world hahahaha WARNING ### 1/5 — Bad Loan *2024-09-30* I got approved of 600 each week they take out minimum for 3 weeks how come the due date balance get increased instead of decreasing **Developer response:** Thank you for sharing your feedback. We would be happy to discuss this further with you and provide additional clarification. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ### 1/5 — Yamilia *2024-08-25, version 1.8* 0 stars, 999 apr, for 700 now I have to pay 4300 or more, don’t use this loan option! This people are thieves! Complete scammers! ### 1/5 — Loan *2024-07-11, version 1.8* Absolutely the worst. Will never borrow again. Paying back way more than I borrowed. ### 1/5 — Do Not Use this app!!! *2024-05-04* This Is a scam! They will lend you a small amount and dump interest on you even if you pay on time. I borrowed 400$ and ended up pay close to 800$ they doubled the amount and it’s just not worth it I promise!! **Developer response:** We’re sorry to hear of your negative experience. Bright Lending discloses the total cost to a borrower when only the minimum payment schedule is followed, and the APR is prominently disclosed on both our website and the loan documents that are reviewed and signed by our customers. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ### 1/5 — Predatory Lending Scam by Rent-A-Tribe Scheme. Loan Sharks. *2024-03-15, version 1.5* I am one of many borrowers who have been ensnared in the predatory web of Bright Lending. Despite diligently making ten on-time bi-weekly payments totaling $2,688.30, I was shocked to discover that the overwhelming majority of my payments had been allocated towards interest, leaving me with an outstanding balance of $2,019.24 on the original $2,100 loan. A mere $80 has been applied to the principal amount, effectively trapping me in a cycle of debt with no end in sight. This situation not only highlights the egregious nature of the exorbitant 325% interest rate imposed by Bright Lending but also underscores the predatory amortization structure employed by such entities, where minimal progress is made toward reducing the principal balance. It is a glaring injustice that demands immediate attention and intervention from lawmakers Bright Lending is operating what appears to be a "rent-a-tribe" scheme, where the economic gains from lending operations are funneled to external parties rather than benefiting the tribe itself. These LLCs are no more tribal than their non-Native, out-of-state beneficiaries. ### 1/5 — Terrible UPDATE NO RESOLUTION *2024-01-05* Have paid off on time way more than I originally borrowed completely upset! I’d understand if you do not make payments on time….but that is not the case! Would use again if they stoped charging you after repaying requested amount. I have paid $770 on a $600 loan every payment on time? Totally unfair would use if they resolved issue and stoped charging me impossible to save money now I have been advised to go to my state representative to deal with the matter and no one on brights end has been helpful in any matter to address the situation I will contact my bank as well Will talk to my state representative and bank to get the issue handled no effort to reach out on brights end I have called that customer service number with no human answering **Developer response:** Again, we are very sorry to hear of your negative experience and are here to help. Unfortunately, we are unable to confirm your identity or account based on this review alone, which is why we have been unable to reach out. Please contact customer service at (866) 441-7674 so that we may assist you with any settlement requests you may have. ### 1/5 — Terrible UPDATE NO RESOLUTION *2024-01-01* Have paid off on time way more than I originally borrowed completely upset! I’d understand if you do not make payments on time….but that is not the case! Would use again if they stoped charging you after repaying requested amount. I have paid $770 on a $600 loan every payment on time? Totally unfair would use if they resolved issue and stoped charging me impossible to save money now I have been advised to go to my state representative to deal with the matter and no one on brights end has been helpful in any matter to address the situation I will contact my bank as well Will talk to my state representative and bank to get the issue handled no effort to reach out on brights end **Developer response:** We’re sorry to hear of your negative experience. The APR is disclosed on our website and is prominently displayed in loan documents that are reviewed and signed by our customers. We regret your experience was not reflective of our commitment and thank you for sharing your feedback. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ### 1/5 — Terrible UPDATE NO RESOLUTION *2023-12-30* Have paid off on time way more than I originally borrowed completely upset! I’d understand if you do not make payments on time….but that is not the case! Would use again if they stoped charging you after repaying requested amount. I have paid $770 on a $600 loan every payment on time? Totally unfair would use if they resolved issue and stoped charging me impossible to save money now **Developer response:** We’re sorry to hear of your negative experience. The APR is disclosed on our website and is prominently displayed in loan documents that are reviewed and signed by our customers. We regret your experience was not reflective of our commitment and thank you for sharing your feedback. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ### 1/5 — Terrible *2023-12-22* Have paid off on time way more than I originally borrowed completely upset! I’d understand if you do not make payments on time….but that is not the case! Would use again if they stoped charging you after repaying requested amount **Developer response:** We’re sorry to hear of your negative experience. The APR is disclosed on our website and is prominently displayed in loan documents that are reviewed and signed by our customers. We regret your experience was not reflective of our commitment and thank you for sharing your feedback. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ### 1/5 — Can’t schedule payment and have already past due status. Terrible *2023-12-09* App doesn’t work good **Developer response:** Thank you for sharing your feedback. We are sorry to hear of your negative experience. We strive to always provide exceptional service and communication. We would be happy to discuss this further with you and provide additional clarification. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ### 1/5 — Worst company ever *2023-09-08* Please do not apply for a loan with this company . They have a high APR rate and won’t tell you about it and will purposely leave out information when you apply for a loan. Idk how they’re in business . This is a complete scam ! Don’t apply here . I been trying to get in contact about my loan and they were so rude and refuse to give me a refund . Don’t apply here ! **Developer response:** We’re sorry to hear of your negative experience. The APR is disclosed on our website and is prominently displayed in loan documents that are reviewed and signed by our customers. We regret your experience was not reflective of our commitment and thank you for sharing your feedback. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ## Most critical reviews (10 lowest-rated) ### 1/5 — 699.9 % interest for a short term loan *2026-02-05, version 4.0* They are absolute Sharks and charge .1 percent less than what would trigger federal probes for predatory lending. ### 1/5 — Pointless *2026-01-23* The app simply does nothing but let you change passwords or talk to AI chat 100% pointless highly don’t recommended your better off just finding a different source to help you.. because a loan of 500$ you will be paying back 3,000+$ don’t do it **Developer response:** Bright Lending discloses the total cost when only the minimum payment schedule is followed, and the APR is prominently disclosed on both our website and loan documents that are reviewed and signed by our customers. Should you have any further questions, please call customer service at (866) 441-7674. ### 1/5 — Never borrow from them criminals *2025-12-16, version 2.0* Avoid these criminals. The worst loan app. ### 1/5 — App engages in fraudulent or misleading activity *2025-07-11, version 1.9* This company gave me a $700 loan while living in Illinois, with a 699.96% APR. That violates Illinois state law, which caps APR at 36%. I paid $344.46 before learning the loan was illegal. The company refuses to refund or respond. This app supports predatory, unlawful lending and should be reviewed by Apple for removal. Edit: Fascinating that you can reply here for damage control but can’t be bothered to respond to my actual emails. I’ve contacted you multiple times to resolve this, and you’ve ignored every attempt. You issued a 699.96% APR loan to me while I was living in Illinois—where that rate is illegal under state law. I’ve paid $344.46 already on a void loan. You refuse to refund or engage directly, yet have time to write PR responses on app reviews? That’s not transparency….it’s evasion. Regulators are already involved. ### 1/5 — Worst mistake Ever *2025-03-14* Beware before you choose to borrow from this company aside from the rates being ridiculously high customer service is useless. Quite honestly they should be reported to the BBB. **Developer response:** Thank you for your feedback. Bright Lending discloses the total cost to a borrower when only the minimum payment schedule is followed, and the APR is prominently disclosed on both our website and the loan documents that are reviewed and signed by our customers. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ### 1/5 — DO NOT USE *2025-02-19* you will end up paying more than what you loaned. & their customer service is terrible. DO NOT USE!! **Developer response:** Thank you for your feedback. Bright Lending discloses the total cost to a borrower when only the minimum payment schedule is followed, and the APR is prominently disclosed on both our website and the loan documents that are reviewed and signed by our customers. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ### 1/5 — Scam stay away *2024-11-29, version 1.8* What this company does is a crime. Stay away and tell others to stay away! ### 1/5 — Scam *2024-11-15* To everyone who got screwed because they were desperate and couldn’t comprehend the fine print; these loans are illegal, they don’t follow federal guidelines; they operate off “tribal laws” which don’t apply if you’re not on their reservation. So don’t feel bad if you can’t pay them back. There’s protections against predatory loans in every state, which these are. **Developer response:** We’re sorry to hear of your negative experience. We inform our customers that this is an expensive form of borrowing, and the APR is disclosed on our website and in loan documents reviewed and signed by our customers. While your claims concerning Bright Lending’s legality are categorically false, we regret your experience was not reflective of our commitment and thank you for sharing your feedback. ### 1/5 — Warning ⚠️ *2024-11-01* High interest is normally for a short term but I just found out there a $14 daily charge! If loan not paid off?! They won’t contact you if a payment didn’t go through so that put you in a late fee charge on the account and interested on that too. I thought I read everything in the contact but I guess I missed something. Another thing!!!! this dose not show on your credit report that you are making payment on time meaning doing good with this company won’t help you in future so don’t bother getting a loan here not unless you are just needing the fast money and paid off fast but be ready because they might throw you a curve ball.😉 **Developer response:** Thank you for your feedback. Bright Lending discloses the total cost to a borrower when only the minimum payment schedule is followed, and the APR is prominently disclosed on both our website and the loan documents that are reviewed and signed by our customers. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ### 1/5 — I need help *2024-10-24* I have paid more than 1 month in a row 135 dollars per week and it still says that my debt is at 1000 dollars that was the loan they made is a big problem! I need an answer and help with the issue! **Developer response:** Thank you for sharing your feedback. Bright Lending discloses the total cost to a borrower when only the minimum payment schedule is followed, and the APR is prominently disclosed on both our website and the loan documents that are reviewed and signed by our customers. Should you have any further questions or concerns, please call customer service at (866) 441-7674. ## Most praised reviews (10 highest-rated) ### 5/5 — Smooth process no issues *2024-02-06* Everything is disclosed and very transparent. Thanks for being there when needed. **Developer response:** Thank you for taking the time to leave us a review. We are so happy you chose Bright Lending for your personal loan needs and appreciate your feedback. ### 5/5 — The only real approve *2023-11-28* That the only help me with my credit score! Thank you so much! I waiting the deposit! **Developer response:** Thank you for taking the time to leave us a review. We are so happy you chose Bright Lending for your personal loan needs and appreciate your feedback. ### 5/5 — Good Company *2023-09-26* This is a short term loan, and it clearly tells you when you signing your contact your interest rate and how much you will be paying back. For those people who say it’s hidden or not disclosed are lying or they didn’t read the contract that they sign. I have borrowed several times from this company and always paid the loan off ahead of schedule. The only suggestion I would give is for returning customers who have built that trust with, maybe lowering the interest rate from time to time. We try to show good faith by paying on time and paying loan off early just maybe a little reward who be nice. Other than that, I have no issues with this company. If I call customer service they have always been respectful and understanding to my situation. For those reasons is why I only use Bright lending anytime I need extra cash. **Developer response:** Thank you for taking the time to leave us a review. We are so happy you chose Bright Lending for your personal loan needs and appreciate your feedback. ### 5/5 — Short term loan *2023-06-06* I recently received a loan offer from bright lending for an undisclosed amount so I took it. I am aware that the rates are extremely high but I understand that this is not a long term loan. I took the offer last month and I payed the first monthly payment for credit management purposes and then I payed the total amount without penalty. I will say it again this is a short term loan hence the high rates, but for someone who is working hard to fix my credit and finally getting an loan offer to me it was good opportunity and I took it. I recommend Bright Lending but only if you’re looking for “short term” loan. Meaning you have to pay it back in a couple months. **Developer response:** Thank you for taking the time to leave us a review. We are so happy you chose Bright Lending for your personal loan needs and appreciate your feedback. ### 4/5 — Trying to reapply *2025-06-28* So I’ve paid off my previous loan years ago. And now I’m trying to reapply for another. But every time I sign in my account it keeps sending me back to the same page. How can I reapply? **Developer response:** Thank you for taking the time to leave us a review and we are so happy you chose Bright Lending for your personal loan needs. We apologize for any difficulty you may have experienced on our website and would be more than happy to assist with your application. Please feel free to contact our customer service team by calling (866) 441-7674. ### 4/5 — Fair company! *2023-09-26* They helped a lot when needed. The APR is extremely high but I was able to read the contract before signing and accepting anything so I was highly aware of the interest rate and how much I was going to pay. They’re also great about paying your loan off early, so since I did that it was much lower than paying them back monthly. **Developer response:** Thank you for taking the time to leave us a review. We are so happy you chose Bright Lending for your personal loan needs and appreciate your feedback. ### 4/5 — Useful if you’re overdrafted and can pay back *2023-05-25* Helped me out when I was over drafted from moving across the country and being in between jobs. Still paid a ton in interest but less than daily over draft fees. DO NOT USE IF YOU CAN NOT PAY BACK WITHIN A WEEK **Developer response:** Thank you for taking the time to leave us a review. We are so happy you chose Bright Lending for your personal loan needs and appreciate your feedback. ### 3/5 — Changed my balance. *2024-10-18* So the other day I checked my account and it said my balance was like $900 something and when I checked it again this afternoon it says my balance was a little over 1,000 I have never missed a payment on this and am aware of the high interest but that shouldn’t effect what my balance is it should be getting lower not higher and I feel like I’m getting screwed over. They changed my balance on me and I have no idea why and I can’t find a way to check my previous payments. This is ridiculous. I only borrowed $1,000 and have been paying it off since May. I am grateful that I was able to get the money as fast as I needed it and I thought the terms of the contract were reasonable but I never imagined that they would change my balance on me like that I wish that I would have taken a screenshot and was able to post the change as proof but I’m just really upset about this right now. I don’t think I will be comfortable using this loan service again due to this issue. I can’t say it’s 100% a scam because I did get the money but the rest of it definitely feels like a scam so beware to those looking into this service. **Developer response:** Your feedback is incredibly valuable to us. We're sorry to hear about your negative experience. Our commitment is to consistently provide exceptional service and to maintain open lines of communication. We would be more than happy to engage in further discussions with you to address your concerns. Please feel free to contact our customer service team by calling (866) 441-7674. ### 3/5 — Changed my balance. *2024-07-29* So the other day I checked my account and it said my balance was like $900 something and when I checked it again this morning it says my balance was 1,124.22. I have never missed a payment on this and I feel like I’m getting screwed over. They changed my balance on me and I have no idea why and I can’t find a way to check my previous payments. This is ridiculous. I only borrowed $1,000 and have been paying it off since May. I am grateful that I was able to get the money as fast as I needed it and I thought the terms of the contract were reasonable but I never imagined that they would change my balance on me like that I wish that I would have taken a screenshot and was able to post the change as proof but I’m just really upset about this right now. I don’t think I will be comfortable using this loan service again due to this issue. I can’t say it’s 100% a scam because I did get the money but the rest of it definitely feels like a scam so beware to those looking into this service. **Developer response:** Your feedback is incredibly valuable to us. We're sorry to hear about your negative experience. Our commitment is to consistently provide exceptional service and to maintain open lines of communication. We would be more than happy to engage in further discussions with you to address your concerns. Please feel free to contact our customer service team by calling (866) 441-7674. ### 3/5 — repaying loan *2024-01-13* How do i repay my loan before the first payment? it’s scheduled to come out on the 25th. but i want to pay it in full on the 17th. **Developer response:** Thank you for reaching out! We recommend paying your loan back early, which reduces the amount of finance charges. You can pay your outstanding balance at any time without prepayment penalty—simply visit our self-service portal at selfservice.brightlending.com or reach out to our Customer Service team using the methods listed on our Contact Us page. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*