Your money. Your way.

BrighterPays for brighter days

A better future with personal loans up to $10,000

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  • Up to $10K
  • No Hidden Fees
  • 100% Online
  • Simple & Fast

Start by creating a brighter future with us

Learn more about how our simple, transparent, online process works

1-Simply tell us how much you need

Specify the amount you would like to borrow and provide some basic info about yourself to get started quickly.

2-Wait online while we’re processing

We get to work fast and display your approval decision from our lender network for you to view online right away.

3-Lookout for your funding to arrive

Get ready for a brighter day. Upon lender approval, your funds may arrive as soon as the next business day.

Personal loans that fit your life

Step this way towards a brighter day

Find my lender
  • Checking your rate will not impact your credit score
  • Personal loans to $10,000 for what you need most*
  • There are no hidden fees and our service is free
  • Flexibly apply one time to find your perfect lender

Personal loans with purpose

Start building a brighter future with a personal loan from BrighterPays

Car Purchases

Secure financing to help with your next auto purchase that best fits your budget and lifestyle. You can get behind the wheel sooner with us.

Home Improvement

Find funding to get started on your next home improvement project. No matter how big or small your next project is, or you just need to make some repairs; we’re here.


Whether you are just starting school or need funding to finish your degree, a personal loan through BrighterPays can help with tuition costs so you can graduate.

Personal Needs

Take back control of your finances and use your personal loan for everyday expenses or just your immediate financial needs. We’re here when you need us.

Debt Consolidation

If you have multiple credit cards or loans it’s often helpful to consolidate them into one single payment to offset the financial burden of multiple payments.

Medical Bills

Unexpected medical bills can often add up and translate to undue financial hardship. Alleviate the burden and payoff outstanding balances.

Ready to get started?

Get your questions answered

Find answers to some of our most frequently asked customer questions.

How much can I borrow?

BrighterPays allows you to request up to $10,000. Simply select the amount you need, and we’ll do the rest. Based on the information you supply in your application and individual lender criteria determines the specific amount of credit you are approved for.

How quickly can I get funds?

We understand that our customers often need funding fast. It can vary between lenders, but most offer electronic deposit, which means you can receive funds as soon as the next business day. Simply select the option from your lender that works best for you.

What if I have bad credit?

BrighterPays works with customers that have all credit types: good or bad. We understand that life doesn’t always go as planned, but that shouldn’t stop you from applying. We help customers with less than perfect credit every day.

What can I use my loan for?

That’s really up to you. A personal loan is flexible and can be used for any number of purposes such as debt consolidation, auto-financing, medical bills, credit card reduction or other miscellaneous expenses that might be causing financial hardship.*

How long until I get an approval?

With BrighterPays you never have to wait long. We present your application to lenders while you wait. This process can take mere seconds, but it may take up to a few minutes. We promise once we have your decision, we’ll display it right away.

How do I check my rate?

BrighterPays doesn’t set your interest rate. Typically, rates are determined by a combination of factors, such as the amount borrowed, credit type and annual income. If approved, your will be redirected to your lender to view your rate and all terms.

Take us with you wherever you go

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