Comparison

Bright Lending vs Together Loans

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Bright Lending

Manage your loan account conveniently from your mobile device. View balances, payment details, and access important documents. Schedule extra payments or full pay-offs, and get 24/7 customer support.

Highlights
  • View account balance
  • Schedule payments
  • Access account documents
  • Get payoff quotes
  • 24/7 customer support
  • Live chat support
Features
Read full description

With the Bright Lending mobile app, you'll have 24/7 access to manage your account all in one place. New loans are not available on the Bright Lending mobile app. Mobile App features include: • View account balance, next payment due date and payment amount. • Schedule an additional payment. • Access account documents, including your payment schedule. • Get a payoff quote or schedule a pay-in-full. • Chat with Bright Lending for 24/7 support + live chat during business hours. Download today!

About

Together Loans

This app offers personal loans based on trust rather than solely on credit history. It allows users to apply for loans, view statements, make payments securely, and access real-time support. Users can also top up existing loans or borrow more.

Highlights
  • Apply for loans in-app
  • View loan details
  • Access statements
  • Secure payments
  • Real-time loan support
  • Top up and borrow more
Features
Currently charting
Read full description

New to Together Loans? We're building a new type of loan company. One based on trust. We offer personal loans, but these loans are a little different. Most lenders look at your credit history to decide whether you can borrow from them, based on how you've previously handled your money. We don't do that - our loans are based on trust*. If you're trustworthy and can afford the monthly payments but have been turned down for other loans, Together Loans could be for you. We offer a fair, simple and transparent loan based on trust - not just your financial history. With the Together Loans app you can: - Apply for a loan right here in the app - View you loan like never before - Quickly access your statement - Make payments simply and securely - Get help with your loan in real time - Top Up and Borrow More To learn more about Together Loans and how we offer a fresh approach on lending visit our website at togetherloans.com. Representative Example: Borrowing $3,000.00 over 24 months, repaying $177.13 per month, total repayable $4,251.12. Interest Rate 35.99% APR. Minimum term 24 months. Maximum term 60 months. Maximum APR 35.99%. There are no added fees. All Loans are subject to credit and underwriting approval. The full range of available loan amounts and rates varies by State. *All loans are subject to identity verification and underwriting approval. Borrowers cannot be actively bankrupt, and must provide a cosigner that meets our credit criteria. Your credit history may be considered if you share finances with the cosigner. Personal loans through the Together Loans branded Loan Program are subject to approval and are issued by one of the following lending partners: Medallion Bank, Member FDIC; Transform Credit Inc. (NMLS ID: 1905055); or TL Financial Services LLC (NMLS ID: 2766355). Transform Credit Inc. (NMLS ID: 1905055) and TL Financial Services LLC (NMLS ID: 2766355) conduct business as the Together Loans brand. See our licenses and DBAs for more details (https://togetherloans.com/licenses). Together Loans is a financial technology company, not a bank.

Screenshots

Bright Lending4 screens
Together Loans4 screens

Verdict

The call

The clearest difference is rating: Together Loans at 4.2 against Bright Lending's 2.4. Together Loans also leads on update cadence (every 10 days vs every 3 months) and chart position (#194 vs unranked). On price, review sentiment, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Together Loans holds the better App Store score, 4.2 against 2.4. That said, the two scores are not equally well evidenced: Together Loans has 418 ratings behind it against 79, so its average is the more settled of the two. Written reviews point the same way: 18% of Bright Lending's written reviews are positive against 25% of Together Loans's.

UpkeepUpdate frequency

Bright Lending ships an update every 3 months, Together Loans every 10 days. The most recent releases landed on November 7, 2026 and November 12, 2026 respectively.

Scorecard4 real differences · 7 level
Bright Lending versus Together Loans: the parameters behind the verdict, then further details
ParameterBright LendingTogether Loans
PriceFreeFree
Rating2.4 (79 ratings)4.2 (418 ratings) — better
Positive reviews17.5% of reviews25.0% of reviews — better
Number of ratings79418 — better
Update frequencyEvery 3 monthsEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank—#194 — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size66 MB38 MB
Age rating4+4+
DeveloperBWDS, LLCTransform Credit

Customer experience

Bright Lending

All ratings73 ratings
Positive37.0%
Neutral1.4%
Negative61.6%
Written reviews40 reviews
Positive17.5%
Neutral7.5%
Negative75.0%

Together Loans

All ratings418 ratings
Positive80.6%
Neutral1.7%
Negative17.7%
Written reviews40 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

User reviews

Bright Lending

From 79 App Store ratings

What we love

  • 🚀 Fast access to funds
  • 👍 Clear disclosure of terms (for some users)
  • 👍 Helpful for credit building (for some users)
  • 👍 Useful for short-term needs
  • 👍 Transparent process (for some users)

Room to improve

  • predatory interest rates (700%+, 699.96%, 999 APR)
  • 💸 Loan amounts increase despite payments
  • 🚫 App login issues
  • ⚖️ Potentially illegal loan terms (violates state laws)
  • 😠 Unresponsive customer service

Together Loans

From 418 App Store ratings

What we love

  • 🚀 Quick funding process
  • 👍 Helped rebuild credit
  • 👍 Forced better money management
  • 👍 Transparent loan terms
  • 👍 Helped when others wouldn't

Room to improve

  • 😞 Misleading application process
  • 😞 Hostile and bullying behavior
  • 😞 Predatory lending practices
  • 😞 Shady fund disbursement
  • 😞 High interest rates

Bugs and requests

Bright Lending

Reported bugs

5 issues
  • Cannot login with correct password
  • App sends users back to the same page when reapplying
  • App doesn't work well
  • Failed attempts to reset password
  • Cannot schedule payment and have already past due status

Requested features

5 requests
  • Lower interest rates for returning customers
  • Option to pay loan in full before scheduled date
  • Ability to check previous payments
  • Resolution for balance discrepancies
  • Improved customer service responsiveness

Together Loans

Reported bugs

6 issues
  • App requires update but no update available
  • App won't go past notification screen after update
  • Cannot log in to app
  • App login options differ from website
  • Top-up application not proceeding after electronic signature
Show 1 more
  • Cannot delete old payment methods

Requested features

6 requests
  • Allow changing payment date in app/website
  • Option to apply extra payments to principal
  • Ability to speak to a human representative
  • Fix app login issues
  • Allow deletion of old payment methods
Show 1 more
  • Allow changing phone number in app/website

In-app purchases

None

Bright Lending

No in-app purchases

None

Together Loans

No in-app purchases

Questions

Is Bright Lending free?
Bright Lending is free to download, with no in-app purchases.
Is Together Loans free?
Together Loans is free to download, with no in-app purchases.
Which has better reviews, Bright Lending or Together Loans?
Together Loans is rated higher. Bright Lending averages 2.4 out of 5 from 79 ratings, while Together Loans averages 4.2 from 418 ratings.
Do Bright Lending or Together Loans have ads?
Neither Bright Lending nor Together Loans shows ads.
Which is updated more often, Bright Lending or Together Loans?
Bright Lending ships an update every 3 months, and Together Loans every 10 days. Most recently, Bright Lending was updated on November 7, 2026 and Together Loans on November 12, 2026.

Other comparisons