💡 Good News
Most Brigit denials are temporary and fixable. The most common causes are bank connection issues, lack of direct deposit history, or outstanding advances. Follow the solutions below to get approved.
8 Reasons Brigit Denies Advances
1️⃣ No Direct Deposit Detected
Why: Brigit requires regular direct deposits to verify your income. If you're paid by check, cash, or irregular transfers, Brigit can't confirm your repayment ability.
✅ How to Fix
- Switch to direct deposit with your employer (takes 1-2 pay cycles)
- If self-employed, set up regular automated transfers from your business account
- Wait for 2-3 direct deposits to appear in your account
- Recheck your Brigit eligibility after deposits appear
2️⃣ Bank Account Too New
Why: Brigit requires at least 60 days of transaction history to analyze your spending patterns and income consistency.
✅ How to Fix
- Wait until your account is 60+ days old
- Use a different, more established bank account
- Keep using your account normally and check back weekly
3️⃣ Outstanding Advance Not Repaid
Why: You can only have one active advance at a time. If your previous advance hasn't been repaid, you can't request a new one.
✅ How to Fix
- Check your "Activity" tab for outstanding balance
- Wait for automatic repayment on your next payday
- Ensure sufficient funds are in your account for repayment
- Contact support if you believe this is an error
4️⃣ Bank Connection Lost
Why: If Brigit loses connection to your bank (due to password change, bank security updates, or technical issues), it can't access your data.
✅ How to Fix
- Go to Settings → Bank Account in the Brigit app
- Tap "Reconnect" or "Update Credentials"
- Re-enter your online banking login
- Complete any two-factor authentication
- Wait 24-48 hours for data to sync
5️⃣ Low Account Balance
Why: If your account balance is very low or negative, Brigit sees this as a sign you might not be able to repay.
✅ How to Fix
- Deposit funds to bring your balance positive
- Maintain a buffer of at least $50-$100
- Avoid overdrafts for the next 2-4 weeks
- Check eligibility again after your next paycheck
6️⃣ Frequent Overdrafts
Why: Multiple recent overdrafts signal financial instability, making Brigit hesitant to lend.
✅ How to Fix
- Stop overdrafting immediately (use smaller Brigit advances if available)
- Wait 30+ days with no overdrafts
- Build a small buffer in your account
- Your eligibility should recover within 2-4 weeks
7️⃣ Income Changed or Stopped
Why: If your income deposits stopped or changed significantly (job loss, reduced hours), Brigit may reduce or remove your eligibility.
✅ How to Fix
- Start new income source with direct deposit
- Wait for 2-3 new deposits to be detected
- Update your employment info in the app if prompted
8️⃣ Unsupported Bank
Why: Some banks, especially newer neobanks or small credit unions, may not be fully supported by Plaid (Brigit's bank connection service).
✅ How to Fix
- Try linking a different bank account
- Open an account at a major bank (Chase, Bank of America, Wells Fargo)
- Check Plaid's supported banks list
- Contact Brigit support to report the issue
Eligibility Requirements Checklist
Do you meet all requirements?
- 18+ years old
- US resident with valid address
- US bank account with 60+ days history
- Regular direct deposits (at least 2-3 per month)
- Positive account balance most days
- No outstanding Brigit advance
- Bank successfully connected to Brigit
- No excessive recent overdrafts
Still Denied? Next Steps
- Contact Brigit Support: In-app chat or email [email protected]. They can sometimes identify specific issues.
- Wait and Retry: Many issues resolve within 2-4 weeks of improved account activity.
- Try Alternatives: Consider Brigit alternatives like Dave, Earnin, or Chime SpotMe which have different eligibility criteria.
🎯 Key Takeaway
Most Brigit denials are due to insufficient income verification (no direct deposit) or account issues (low balance, lost connection). Fix these issues, wait 2-4 weeks, and you'll likely be approved.