Get cash for

 

To qualify for Brigit Instant Cash, your checking account must meet the following criteria:

Checking account with sufficient activity:

• Adding your primary checking account and using it daily helps us accurately predict your spending and earning patterns.
• Using your account every day for a couple of weeks should satisfy the requirement.

Checking account has at least 60 days of activity:

• If you just opened your account, wait until your account is 60 days old.
• If your account has been open for over 60 days,  please wait one business day, and if the requirement is still not met, reach out to us.

Balance is greater than $0:

• We’ve found that members with less than $0 in their bank account have trouble using our service to maximize their financial health.
• If your balance is above $0, please hold tight until we receive updates from your bank to meet this requirement.

You have a cash cushion in your account at the end of day you receive your paycheck:

• We require a minimum average end-of-day balance on days you receive your paycheck to make sure that you can repay Brigit on time.

Deposit or Income Requirements:

• To qualify for Brigit Instant Cash you must have at least three recurring deposits from the same employer or deposit source.

Please note: 

• ATM deposits, paper checks, cash transfers, or paychecks with irregular pay schedules do not qualify at this time.

Brigit looks at your account information and calculates a Brigit score from 0-100. The score is used to determine whether you qualify for Brigit Instant Cash.

Brigit calculates this score by looking at your account data across three categories: Bank Account Health, Spending Behavior, and Earnings Profile.

What score do I need to qualify for Brigit Instant Cash?

The Brigit app will tell you the minimum score you will need to qualify. Scores can range from 40 to 100.

How is my score calculated?

Brigit calculates this score by looking at your account data across three categories: Bank Account Health, Spending Behavior, and Earnings Profile.

Bank Account Health:

This score factor primarily reflects:

1. Balance status and fees: Your average balance over time and the number of bank fees you’ve been charged.
2. Account activity: How long your bank account has been active and how often you use your account.

Earnings Profile:

This score factor is made up of two main contributing general attributes:

1. Monthly recurring deposits: Deposit amount from the same employer or another deposit source.
2. Deposit history: Deposit size and number of recurring deposits in your account.

Spending Behavior:

This score factor primarily reflects:

1. Budgeting habits: How much you spend vs earn each month.
2. Bill payment history: How often you make routine bill payments.

Automatic Advances are a feature of Brigit Plus that will automatically make sure you’re covered if you’re at risk of an overdraft. We know when to send you cash by looking at your balance and spending patterns to predict if you’ll be at risk of an overdraft in the near future

Please note:

• You need to qualify for Instant Cash
• You always have the option to turn off auto advances
• You can still choose to manually request an advance if you have auto advances enabled
• You can only have one advance outstanding at a time

We have two delivery options:

1. Get cash in 1-3 days:
We try our best to deliver advances to our users as fast as possible. The typical schedule is as follows:

• If an advance is requested before 10:00 am EST on a business day, they will arrive the same day by 11:59 pm (local time).
• If an advance is after 10:00 am EST, they will arrive on the following business day by 11:59 pm (local time).
• If an advance is requested at any time on a weekend (Saturday or Sunday), they will arrive on the following business day by 11:59 pm (local time)

*Please note a business day is Monday through Friday excluding bank holidays. The delivery time typically depends on your bank’s processing times. After an advance is requested, we cannot cancel or expedite the payment.

2. Get cash instantly:
We are excited to announce that instant delivery is now available. Advances are delivered within 20 minutes of requesting them.

To get cash instantly, please add your debit card associated with your connected checking account either in Settings --> Connected Bank or when you request an advance.

Brigit works with over 6,000 banks and credit unions.

Our search form allows for easy location of your bank. If your bank does not appear in our search form, we do not currently support that bank at this time.

We are unfortunately unable to provide membership to new members looking to create an account using the following banks at this time, due to issues with maintaining connectivity:

• Chime Bank
• Net Spend
• Varo

Being able to maintain a secure connection at all times allows our members to fully benefit from the use of their membership, whether basic or plus. If membership is still a desired need, please try using a different bank that can be secured and verified.

1. Go to Settings
2. Tap Connected Bank Account
3. Add a debit card & enter your card details

You will need to confirm your date of birth to help keep your account secure. Brigit will then deposit $.01 into your account to confirm your debit card is linked to your checking account.

Once your debit card has been verified, you will then be able to choose instant delivery when requesting advances.