BORROW BRIGHT

Our installment loans give your finances a little flexibility when you need it.

Our Loan Process is Simple

We offer a loan that allows you to stretch your monthly budget when the unexpected happens. Ranging from $300 to $1,000, our new customer installment loans are a secure and convenient alternative to traditional payday loans. Qualified returinng customers may borrow up to $2,000 through our Bright Lending VIP Loan Program. Our loans are unsecured and typically require only a few steps for fast results.

  • Loan term is 10 months for loans up to $1,000
  • Bright VIP Program Loans in excess of $1,000 have a term of 12 months
  • The payment schedule coincides with your pay frequency.

FUNDING

Loans are typically funded by direct deposit to your checking account the next business day.

NO HASSLE

Get the funds you need without leaving the comfort of your own home from online .

FRIENDLY SUPPORT

Our customer service team loves to help you through the loan process. Contact Us today!

APPLYING FOR A BRIGHT LENDING LOAN IS SIMPLE AND ONLY TAKES A FEW MINUTES.

ONE:

APPLY

Fill out the online application from wherever you are and get a preliminary decision in a matter of moments.

TWO:

 REVIEW & SIGN

If you complete the verification section online and your application is accepted (pending final approval), you will be able to review and e-sign your loan agreement.

THREE:

FUNDING

If approved, your loan will be funded or you will be contacted to finish any open items needed to complete the process.

INSTALLMENT LOAN RE-PAYMENT

Payment Methods:

  • Electronic Payments:

    • ACH

      • Incentives offered for ACH. See our rates page for details.

  • Manual Payments:

    • Personal Check

    • Cashier’s Check

    • Money Order

ACH payments will be deducted from your account on your scheduled payment date according to your loan agreement terms. Any debits to your account for repayment that falls on a Saturday, Sunday, or banking holiday will be debited on the next business day.

Personal Checks, Cashier’s Check and Money Order payments must be received on or before your scheduled payment date by mailing to PO Box 578 Hays, MT 59527.

You may change your payment method at any time prior to your due date by emailing Customer Service at customerservice@brightlending.com. However, we require a minimum of 2 business days’ notice to ensure your change is applied to the upcoming scheduled payment, otherwise your change may not take effect until the subsequent scheduled payment due date. Any late or non-payments may be subject to additional fees and/or collection activity.

This is a term installment loan with approximate, equal payments, but you have the right to prepay at any time.

There are no pre-payment penalties and we strongly encourage customers to pay back their loan as soon as possible to reduce the amount of finance charges. This is an expensive form of borrowing, and it is not intended to be a long-term financial solution.