⚡ Key Insight
Your Brigit Score is NOT your credit score. It's an internal score Brigit uses to assess lending risk based on your bank account activity. You can have an 800 credit score and still get a low Brigit limit if your bank account doesn't meet their criteria.
What Is the Brigit Score?
The Brigit Score is a proprietary algorithm that analyzes your linked bank account to determine:
- Whether you qualify for advances
- Your maximum advance limit ($50-$500)
- Your repayment reliability
Unlike credit scores, you can't see your exact Brigit Score number—you only see the resulting advance limit.
Factors That Affect Your Brigit Score
1. Income Consistency
HIGH IMPACTBrigit looks for regular, predictable income deposits. Direct deposits from employers are ideal. Irregular deposits (like gig work income deposited at random times) can lower your score.
2. Average Account Balance
HIGH IMPACTA higher average balance signals financial stability. Accounts that frequently dip to $0 or go negative are riskier to lend to.
3. Overdraft History
HIGH IMPACTFrequent overdrafts indicate cash flow problems. Ironically, this makes it harder to qualify for advances designed to prevent overdrafts.
4. Account Age
MEDIUM IMPACTBrigit requires at least 60 days of transaction history. Longer history = more data = potentially higher limits.
5. Repayment History with Brigit
HIGH IMPACTSuccessfully repaying previous advances builds trust. Failed repayments (even if eventually collected) hurt your score.
6. Income Amount
MEDIUM IMPACTHigher income can support higher advance limits, but consistency matters more than amount.
Proven Strategies to Increase Your Limit
🚀 Action Plan: From $50 to $500
- Set up direct deposit: If you receive paper checks, switch to direct deposit. This is the single most important factor.
- Maintain a positive balance: Keep at least $50-$100 buffer in your account at all times. Never go negative.
- Avoid overdrafts: If you're close to overdrafting, use the small Brigit advance to prevent it. This is what the app is designed for.
- Repay on time: When Brigit auto-debits your account, make sure the funds are there. Failed repayments hurt your score significantly.
- Use Brigit regularly: Taking and repaying small advances ($50-$100) builds your track record.
- Upgrade your plan: Free tier caps at $50. Plus is $250. Premium is $500. You need the plan that matches your goal.
- Wait: Sometimes you just need to let Brigit gather more data. Check back weekly for limit updates.
| Current Limit | Strategy | Expected Timeline |
|---|---|---|
| $50 (starting) | Set up direct deposit, maintain balance, take/repay small advances | 2-4 weeks |
| $100-$150 | Continue consistency, upgrade to Plus plan if needed | 2-4 weeks |
| $200-$250 | Maintain perfect repayment history, consider Premium for $500 max | 4-8 weeks |
| $300-$500 | Continue demonstrating financial stability | Ongoing |
Do's and Don'ts
✅ DO
- Set up direct deposit
- Keep positive balance
- Repay advances on time
- Use Brigit regularly
- Be patient (limits increase over time)
- Upgrade plan for higher max limits
❌ DON'T
- Overdraft your account
- Miss advance repayments
- Switch bank accounts frequently
- Expect $500 immediately
- Contact support demanding higher limits
- Create multiple accounts
Why Your Limit Might Decrease
Sometimes Brigit lowers your limit. Common reasons:
- Missed repayment: If auto-debit failed, your limit may drop
- Income change: Job loss, reduced hours, or irregular deposits
- Account balance drop: Consistently low or negative balance
- Overdrafts: Multiple overdrafts signal financial stress
- Bank connection issues: If Brigit can't access your data, limits may be affected
If your limit dropped, review your recent bank activity and address any issues. Limits typically recover within 2-4 weeks of improved behavior.
FAQ
How long does it take to increase my limit?
Typically 2-8 weeks depending on your starting point and how well you demonstrate financial stability. Some users see increases within days; others take months.
Can I request a manual limit increase?
No. Brigit's algorithm automatically adjusts limits. Customer support cannot manually override the system.
Does my credit score affect my Brigit limit?
No. Brigit does not check your credit score. The Brigit Score is based entirely on your bank account activity.
Why is my limit $0?
A $0 limit usually means: no direct deposit detected, bank connection issues, or you don't meet minimum requirements. See our Brigit Denied guide for solutions.
🎯 Bottom Line
Increasing your Brigit limit comes down to demonstrating financial stability: consistent income, positive balances, no overdrafts, and reliable repayment. Be patient, follow the strategies above, and your limit will grow over time.