Brigit fees & plans: Free vs Plus vs Premium

The three plans side by side

Prices are what Brigit's App Store and Google Play listings show as of November 6, 2026. Some 2025 reviews list Premium at $14.99; the figure you see on the plan screen at sign-up is the one that applies to you.

What an advance really costs

Brigit charges no interest, origination fee, late fee or tip on the advance itself. The cost is the membership plus, on Plus, an express fee if you can't wait for ACH. That makes the effective price depend entirely on how much and how often you borrow:

The rule of thumb: Brigit is good value when you take advances most months or genuinely use the budgeting and credit tools, and poor value if you keep paying while rarely borrowing. The cost calculator below compares it with payday loans, overdrafts and card cash advances for any amount.

Cost calculator: Brigit vs payday loan, overdraft and card advance

Move the sliders to compare the real cash cost of one Brigit advance with the three things people use instead.

Express delivery fees

Standard delivery is free on both paid plans and arrives by ACH in one to three business days. Express sends the advance to a linked debit card, typically within about 20 minutes. On Plus, express costs a per-advance fee that scales with the amount — Brigit shows the exact figure before you confirm. Members report fees from $0.99 for the smallest advances to roughly $3.99 for larger ones. On Premium, express is included.

If you use express more than about twice a month, Premium's extra $7 pays for itself; otherwise stay on Plus and plan requests a few days ahead.

When Premium is worth $7 more

• You want to build credit. Credit Builder is Premium-only and reports to Equifax, Experian and TransUnion with no hard inquiry to open. Read our Credit Builder review.
• You always need the money today. Express is included, so two or more express advances a month already cover the difference.
• You don't have identity monitoring elsewhere. Premium bundles up to $1M in identity-theft insurance and credit-report monitoring, which costs $10–$20 a month standalone.

If none of those apply, Plus is the better buy.

Getting an advance without a subscription

Brigit's Terms of Service (section 7.7) say you can request an Instant Cash advance without a paid membership by emailing [email protected] and stating that you want an advance without a subscription. You still need to pass the same eligibility checks, and the process is manual — expect email back-and-forth rather than a button. This option exists partly because of the 2023 FTC settlement, which required Brigit to make the subscription's role clearer.

Billing, cancellation and refunds

The membership bills monthly to your linked bank account or a card on file, starting the day you subscribe. You can cancel any time in Settings → Membership, on the website or through support, and the FTC order requires Brigit to process cancellations immediately even if you have an advance outstanding. The plan stays active until the end of the paid period; Brigit does not prorate or refund unused days. An outstanding advance is still due on its scheduled date after you cancel. Full steps are in our cancellation guide.

How Brigit's pricing compares

Brigit's flat fee is mid-pack: more than the no-subscription apps if you borrow rarely, competitive if you borrow monthly and hate tip prompts. See the full nine-app comparison on our alternatives page.