Bottom line: While BrightenLoans appears to be a standard connection service, its lack of transparent contact information, customer reviews and information about its network of lenders means you might want to tread carefully when submitting personal details.
Finder makes money from featured partners, but editorial opinions are our own.
Advertiser disclosure
BrightenLoans connection service review
BrightenLoans isn't available on Finder right now.
- Min. Amount
- $100
- Max. Amount
- $5,000
- Turnaround time
- Typically one to two business days
Our verdict
A lack of transparency and customer reviews means you may want to look elsewhere for a loan.
BrightenLoans is an option for people who don't have the time to compare short-term lenders. But unlike many of its competitors, it's missing critical information about what lenders in its network charge for a loan and how the overall process works. Its privacy policy also states that it might sell or rent your information — which could result in a large amount of marketing calls or emails.
Overall, it may make more sense to compare other short-term loan options to find a more transparent service.
Details
Product details
| Product Name | BrightenLoans |
| Min. Amount | $100 |
| Max. Amount | $5,000 |
| Loan Term | Varies by lender |
| Turnaround Time | Typically one to two business days |
| Requirements | Bank account, $1,000 monthly income after taxes, at least 90 days employed or other regular source of income, valid phone number and email, at least 18 years old, US citizen or permanent resident |
What to watch out for
- May sell your personal information
- Strict arbitration clause in terms of service
- Limited information available online
- No contact phone number
- No Better Business Bureau (BBB) or Trustpilot reviews
Compare alternatives to BrightenLoans
1 – 0 of 0
What is the Finder Score?
The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product’s interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate – this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you’re comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
BrightenLoans rates, fees and terms
There is no cost to use BrightenLoans’ connection service. However, you may be connected with a lender that charges interest rates well above 300%, depending on your state laws. Check your loan agreement for a full breakdown of the costs of your loan, including its APR and other terms.
What is BrightenLoans and is it legit?
Yes, BrightenLoans appears to be a legit connections service. It has a privacy policy and clear terms of service that outline how it will use your information. But keep in mind this can include selling it to third parties. However, its limited contact information is a red flag.
And while it’s common for connection services not to have many customer reviews, it means you won’t have any idea about the type of experience you might have with BrightenLoans. You may want to consider working with a lender directly before turning to this connection service.
BrightenLoans reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | NR |
| Customer reviews verified as of | 13 November 2020 |
It’s not unusual for a connection service to lack customer reviews. But it makes identifying the best marketplace difficult. If you choose to use BrightenLoans, research the lender you’re connected with to ensure its customers rate it well.
Am I eligible?
The lenders in BrightenLoans’ network require you to meet a few requirements to qualify for a loan:
- Bank account in your name
- Employed for at least 90 days or regular source of nonemployment income
- Monthly income of $1,000 or more after taxes
- Valid email address and phone number
- At least 18 years old
- US citizen or permanent resident
BrightenLoans doesn’t work with lenders in every state. Confirm short-term loans are legal where you live before submitting your information through its online form.
What information do I need to apply?
BrightenLoans requires you to submit some personal information through its online form, including:
- Driver’s license number
- Estimated monthly income
- Bank account number
- Date of birth
- Social Security number
How do I get connected?
To get connected with a lender in BrightenLoans’ network, follow these steps:
- Visit BrightenLoans’ website and select your desired loan amount.
- Select your credit score, then enter your email address, full name and cell phone number.
- Enter your ZIP code and address, then enter some basic questions about yourself.
- Enter your date of birth, driver’s license number, estimated monthly income and information about your employment.
- Select your next pay date, then enter your bank’s routing number and your bank account number.
- Enter your Social Security number then click Request cash.
It should only take a few minutes for your information to be processed. If you’re connected with a lender, BrightenLoans will redirect you to its website so you can finalize your application.
What are my repayment options?
Your repayment options depend on the lender you’re connected with. In most cases, repayments will be automatically taken from your attached bank account. However, some lenders may allow you to mail a check or offer other repayment options.
BrightenLoans may be useful if you haven’t been successful in finding a lender. But you should consider more short-term loan providers before you submit information through BrightenLoans’ online form.
BrightenLoans is not currently available on Finder
Have you considered Cleo?
Automatically monitor your spending plus access cash advances up to $100 at a time.
- $5.99 monthly membership fee
- Borrow up to $250
- No credit check required
- No interest on cash advances
- Connect bank account to access cash advance
Your reviews
No reviews yet.
Write a review
Kellye Finder
Writer
Hi there, looking for more information? Ask us a question.
You are about to post a question on finder.com:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.
More resources on Finder
Short-term loan guides
We compare the following short-term lenders
Loans by state
Loan amounts
Loan categories