Bright, operated by Bright Capital Inc., is a financial technology company offering an all-in-one app to help people manage credit, debt, spending, and savings. Its tools include Bright Builder, a secured line of credit starting with a $50 deposit that reports payment history to major credit bureaus, and Bright Plan, which provides personalized budgeting and debt-payoff guidance. Users can also round up purchases to save spare change, track bills and subscriptions, report rent payments to help build credit history, and manage card balances and spending in one place.

Bright provides access to personal loan offers through network partners and cash advance offers, subject to eligibility, approval, and applicable restrictions. The app also features an AI-powered financial assistant, calculators, and educational guides. Bright offers customer support by email or chat. It is not a bank, and some services are provided by third parties. A paid Premium Membership is available, but Bright states that membership is not required for Bright Builder or personal loan offers.