Pay off Credit Cards

with a single monthly payment

  • Credit line of up to $8,000*
  • No impact on the score to check rates*
  • Sign up in 2 mins

Why pay off cards with Bright?

Accepts all
major bank
cards

Affordable
monthly payments

100% data security
- 256-bit encryption

How to pay off cards with Bright?

Download the App and check the rates.

Get the best rates and credit limit with a quick soft credit inquiry.

Apply Now

Get the credit line and choose cards to pay.

Refinance multiple cards up to your credit limit; pay down and choose more.

Apply Now

Make on-time payments and defeat debt.

Choose how much to pay each month above your monthly minimum payment.

Apply Now

Changing lives every day.

★★★★★
“To stay off my credit card debt, Bright changed my life. It's making my payments effortless.”

Arvind Singh

                       ★★★★★
“Bright creates a willingness to invest more money on your behalf than you ever did on your own.”

Lance Holden

                        ★★★★★
“If you're looking to get your credit score higher and faster, Bright is the best option I've found so far.”

Sergio Lopez

                        ★★★★★
“If you're looking to get your credit score higher and faster, Bright is the best option I've found so far.”

Sergio Lopez

                        ★★★★★
“If you're looking to get your credit score higher and faster, Bright is the best option I've found so far.”

Sergio Lopez

Frequently asked questions

  • Can I pay off or close my account anytime?
  • Do I need to pay interest fees?
  • Is there a hard pull on the credit report?
  • Do you report to Equifax and TransUnion?

Crush Debt today1
with Bright

Revolving lines of credit are made by COW Bank, Member FDIC, and Bright Capital Inc. NMLS (2410428), subject to State residency. Personal loans are made by our referral partners independent of Bright. Deposit accounts are provided by Evolve Bank & Trust or CBW Bank, Members FDIC. Bright is a financial technology company and non-depository lender, not a bank.1. Revolving line of credit ranging from $500–$8,000 to help repay credit cards. Variable APR ranges from 2.99%–29.99%. Subject to credit approval. Final terms may vary depending on credit review; not all applicants will qualify for the full loan amount. Not all applicants qualify for the lowest rate. Bright may also offer personal loans made by our referral partners. Bright Credit is a line of credit and not a credit or debit card.2. When you check your rates for Bright Credit, we initiate a soft inquiry of your credit. This will NOT impact your credit score. If you’re approved and activate Bright Credit, we may do a hard inquiry, which may affect your credit score.3. Bright uses standard industry practices to determine our customer satisfaction score. It’s a metric used in all kinds of businesses to measure customer service and product quality. Businesses calculate their score by taking the number of satisfied customers (those who rated them “8” or higher) and dividing it by the total number of responses.The product images shown are for illustration purposes only.

© 2024 Bright Capital Inc.