# Bright: Loans & Credit Builder — user reviews > 2,959 indexed App Store user reviews of Bright by Bright Capital Inc, rated 4.77/5 from 258,075 ratings. - Source: https://appshunter.io/ios/app/bright-loans-and-credit-builder/id1511043796/reviews - App overview in markdown: https://appshunter.io/ios/app/bright-loans-and-credit-builder/id1511043796.md - Rating breakdown: 5★ 199,284 · 4★ 12,447 · 3★ 4,873 · 2★ 1,274 · 1★ 5,679 ## What do users think of Bright? Overall sentiment: neutral **Pros** - 🚀 Helpful in paying off debt - 👍 Automated payment management - 🚀 Efficient credit building - 💡 Useful budgeting and savings features - 👍 Good customer service **Cons** - 🐛 Connectivity issues with bank accounts - 🔒 Concerns about unauthorized withdrawals - 👎 Confusing or misleading pricing - 👎 Poor communication from the company - 🐛 Inconsistent app functionality **Commonly reported bugs** - Incorrect credit card payment reporting - Delayed or missing payment processing - Account information not updating properly **Most requested features** - Ability to manually manage payments - More transparency on how the app works - Improved customer support channels - Integration with more bank and credit card providers ## Newest reviews (16 of 2,959) ### 4/5 — Easy set up *2026-08-28, version 1.61.1* It was so easy to set up right on my phone with my bank account thanks to plaid. ### 4/5 — Need help thank you *2026-08-27, version 1.61.1* This would really help me out thank you so much ### 5/5 — Great *2026-08-27, version 1.61.1* Love you guys your the best keep up the good work🙌🏼 ### 5/5 — Great app *2026-08-27, version 1.61.1* This app helps with a lot as well when a loan is needed. I really appreciate the app and the team! ### 5/5 — Great!!! *2026-08-27, version 1.61.1* Great service! Very easy! ### 5/5 — Bright is the best *2026-08-27, version 1.61.1* Great app ### 5/5 — Very helpful *2026-08-27, version 1.61.1* This app has been super helpful in times of need! Easy to use highly recommended! ### 5/5 — Best Financial App *2026-08-27, version 1.61.1* Bright is one of the best Financial apps there is whenever I have been between paycheck. They have been able to give me some type of lifeline they also help my credit paying a small investment like a dollar I was able to boost my credit at least 20 points and again like best platform, hands-down, when it comes to loans and cash advances. ### 5/5 — Awesome App! *2026-08-27, version 1.61.1* I’ve had a really positive experience with Bright: Loans & Credit Builder. The app is easy to use, the features are straightforward, and I like that it focuses on helping users build better credit while also providing access to financial tools. The overall experience feels convenient and user-friendly, especially if you’re trying to stay on top of your finances and improve your credit over time. Definitely worth checking out if you’re looking for an app to help with your credit-building goals! ### 5/5 — The Best try it! *2026-08-27, version 1.61.1* Bright! The best around! ### 5/5 — Helpful *2026-08-27, version 1.61.1* This app has helped me when I needed the most. Easy to use and fast to receive funds. ### 5/5 — Bright: Loans & credit Builder *2026-08-27, version 1.61.1* Very good and the feed back ### 5/5 — Good *2026-08-27, version 1.61.1* Good ### 4/5 — Credit builder *2026-08-26, version 1.49.1* Great app to have it helped me gain knowledge on my spending and credit habits and it connected me to the cards I needed to have in my circle in order to better my credit habits!! ### 4/5 — Great *2026-08-26, version 1.61.1* It’s awesome if they actually live up to their promises of loans so far no one has and it’s discrimination because I’m an identity theft victim and credit ruined by hackers. I haven’t tried here yet but I suspect the same. Also, the person had my number before me information shows up on my account yall need to get yall stuff straight. ### 5/5 — 10/10 *2026-08-26, version 1.61.1* Very great app, been using for over a year and have always been satisfied. ## Most critical reviews (10 lowest-rated) ### 1/5 — Scam *2026-08-27, version 1.61.1* Scam ### 1/5 — App *2026-08-27, version 1.61.1* How I get charged for a membership I never signed up for? And the app doesn’t work unless your card is on file. That’s scam ### 1/5 — Bs *2026-08-27, version 1.61.1* No real loan offers! Waste of time ### 1/5 — Hate this company *2026-08-26, version 1.61.1* I don’t even use them they didn’t even give me alone and now they keep taken money off my card twice a day don’t use this app ### 1/5 — Don’t use *2026-08-26, version 1.61.1* Will charge u multiple times for things ### 1/5 — BS *2026-08-26, version 1.61.1* Does not tell you it automatically takes a one year subscription when you link a card ### 1/5 — Very disappointed smh *2026-08-26, version 1.61.1* I do not think you should have to retrieve your credit score every time you try to get a loan, especially when you retrieved it earlier for an option you sent before you sent the last one each one asked you for the same thing and there’s not an option of just putting the credit score, you just retreat earlier a day before two days before after I retrieve the credit score, I canceled the subscription because my bank Wells Fargo already traces my three credit options there should be an option for you to just put your credit score down ### 1/5 — Taking money *2026-08-24, version 1.61.1* Stop taking money from me that’s not yours ### 1/5 — All the damn features *2026-08-24, version 1.61.1* All these damn features before even getting to main screen is ridiculous. Add this feature add this feature like the hell ### 1/5 — Refund *2026-08-22, version 1.61.1* They charge a $97 subscription and it’s taking forever just to get my refund back. I was told it would take 3-5 business days but it’s been past 5 business days. ## Most praised reviews (10 highest-rated) ### 5/5 — Bright Loan Review *2026-08-28, version 1.61.1* Goood Evening I am leaving a review because I have found it very accessible to use the platform presented with the Bright Loans App. They Have An AI Loan Assist which I find very helpful when Generating questions asked about the Company! I have gotten the questions that I had answered and look forward to Continuing the Set up process with my Account so that I can receive the Loan of 3,000 in order to begin Correction to be made with a Work Account & get a handle of a debt Situation . ### 5/5 — Slowly but surely!! *2026-08-28, version 1.61.1* I have been using quite a few different apps trying to rebuild my credit up!! My late husband most definitely left a lot of bills on me ! What’s worse is I never even knew he had said acts in MY name ! 🤦🏻‍♀️ but bright has been amazing and extremely helpful in my times of need !! If you are working on improving your credit score then you should absolutely be using this app! ### 5/5 — Awesomeness *2026-08-28, version 1.61.1* This app is great… ### 5/5 — Get it! *2026-08-28, version 1.61.1* Really good ### 5/5 — Excellent app *2026-08-28, version 1.61.1* Wow 😮 very good app I get qualify very easily for $3,200. ### 5/5 — It’s great *2026-08-27, version 1.61.1* It helps when I need quick cash between payday and helps build your credit ### 5/5 — Bright *2026-08-27, version 1.61.1* This app has been amazing for helping with bill gas money they have been my top to go help thank you bright so much ### 5/5 — Works *2026-08-27, version 1.61.1* I use bright & it works to help build your credit if you are falling behind & it helps you save money. ### 5/5 — Good app *2026-08-27, version 1.61.1* Awesome app to use thank you ### 5/5 — Great *2026-08-27, version 1.61.1* Super helpful with darn near everything finance related. --- *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 2026-09-04.*