Based on our analysis of company history, security, regulations, and 125,000+ user reviews
⚡ Quick Answer
Yes, Brigit is legit. It's a legitimate fintech company founded in 2017 with 12+ million users, 4.7★ App Store rating, $90M+ in funding from reputable investors, and bank-level security. It's not a scam, but it does have subscription fees ($0-$14.99/month) that some users find expensive.
⚠️ Disclosure
We are NOT affiliated with Brigit Inc. This is an independent analysis. Full disclosure →
Company Background: Who Is Brigit?
Let's verify Brigit's legitimacy by examining the company's background:
| Factor | Details | Verdict |
|---|---|---|
| Company Name | Brigit Inc. (Hello Brigit) | ✓ Verified |
| Founded | 2017 | ✓ 7+ years operating |
| Headquarters | New York, NY, USA | ✓ US-based |
| Founders | Zuben Mathews (CEO), Hamel Kothari | ✓ Verified LinkedIn profiles |
| Funding | $90+ million raised | ✓ Reputable investors |
| Investors | Lightspeed, Nyca Partners, Canaan, DCM | ✓ Top-tier VCs |
| Users | 12+ million | ✓ Large user base |
| BBB Rating | Not Accredited | ⚠ Not unusual for fintech |
💼 About the BBB Status
Brigit is not BBB accredited, which some see as a red flag. However, many legitimate fintech companies (including Cash App, Venmo, and Chime) are also not BBB accredited. BBB accreditation requires a fee and is voluntary—lack of accreditation doesn't indicate a scam.
Security: Is It Safe to Connect Your Bank?
Connecting your bank account to any app can feel risky. Here's how Brigit protects your data:
256-bit Encryption
Same level of encryption used by major banks for online banking
Plaid Connection
Uses Plaid—trusted by Venmo, Coinbase, and 5,000+ apps
No Credential Storage
Brigit never stores your bank login username or password
FDIC Partner Banks
Works with FDIC-insured partner banks
How Plaid Works
When you connect your bank to Brigit, you're actually logging in through Plaid—a trusted intermediary used by thousands of financial apps. Plaid:
- Encrypts your credentials during transmission
- Provides read-only access (Brigit can view but not transfer your money without permission)
- Allows you to revoke access at any time
- Is audited and compliant with financial regulations
What Do Real Users Say?
We analyzed user reviews across multiple platforms:
| Platform | Rating | Reviews | Analysis |
|---|---|---|---|
| Apple App Store | 4.7/5 ★ | ~85,000 | Excellent |
| Google Play Store | 4.2/5 ★ | ~40,000 | Good |
| Trustpilot | 4.3/5 ★ | ~3,500 | Good |
| BBB | 2.1/5 ★ | ~200 | Mixed (complaints) |
✓ Common Positive Reviews
- "Saved me from overdraft fees multiple times"
- "Fast and easy to use"
- "No credit check, no judgment"
- "Express delivery is genuinely quick"
- "Credit Builder actually improved my score"
✗ Common Complaints (Not Scam Indicators)
- "Monthly subscription feels expensive" — Real concern, but disclosed pricing
- "My limit is lower than expected" — Algorithm-based, not a scam
- "Hard to cancel subscription" — UI issue, not fraud
- "Bank connection issues" — Technical, not intentional
- "Limit decreased without explanation" — Frustrating but legitimate risk management
Scam Red Flags Check
We checked Brigit against common scam indicators:
| Red Flag | Brigit | Status |
|---|---|---|
| Hidden fees | Pricing clearly disclosed ($0-$14.99/mo) | ✓ Pass |
| Upfront payment required | Free tier available, no upfront costs | ✓ Pass |
| Too good to be true promises | Realistic claims about advance limits | ✓ Pass |
| No physical address | NYC headquarters verified | ✓ Pass |
| No customer support | In-app support, email, help center | ✓ Pass |
| Pressure tactics | No aggressive sales tactics | ✓ Pass |
| Anonymous founders | Founders have LinkedIn, press coverage | ✓ Pass |
| No app store presence | Official apps on App Store & Play Store | ✓ Pass |
Legitimate Concerns (Not Scams)
While Brigit is legitimate, there are real concerns worth considering:
1. Subscription Cost
$8.99-$14.99/month ($108-$180/year) is real money. If you rarely need advances, cheaper alternatives exist.
2. Variable Limits
Your advance limit is determined by an algorithm and can change. This frustrates users but isn't fraudulent—it's risk management.
3. Automatic Repayment
Brigit automatically debits your account on payday. If you forget, it could cause issues. But there are no late fees.
4. Not a Bank
Brigit is a fintech company, not a bank. Your advances are not FDIC-insured (though their partner banks are FDIC-insured).
Final Verdict: Is Brigit Legit?
✓ Yes, Brigit Is Legitimate
Based on our analysis, Brigit is a real, legitimate financial technology company—not a scam. It has millions of users, transparent pricing, strong security practices, reputable investors, and years of operating history.
Brigit IS:
- A legitimate cash advance app
- Safe to connect to your bank
- Transparent about pricing
- Backed by reputable investors
Brigit is NOT:
- A scam or fraud
- Free (subscription required for full features)
- A guaranteed approval for everyone
- A bank (it's a fintech company)