Reviews of Bright Lending

By: BWDS, LLC App

List of user reviews and ratings for Bright Lending

Total ratings

2.50 (Rating count: 72)

Receive review notifications

Get notified when new reviews are posted so you can respond quickly.

See reviews on Apple App Store

View and respond to reviews directly on the store page.

Visit

Review summary

User reviews largely frame Bright Lending as a short-term loan option with clear disclosures, but overwhelmingly criticize its pricing as predatory (with APRs sometimes cited in the hundreds or thousands), alleged illegal lending tactics, and poor customer service. The most common complaints involve unfair interest accrual and difficulty obtaining refunds or help, alongside frustrating app/login issues. A minority praise transparency and the potential to improve credit or to pay off early, but overall sentiment is negative.

Pros

Transparent disclosures of rates and repayment terms
Short-term loan option that can address urgent cash needs
Some users report paying off early can lower overall cost
Some users felt the app helped with credit management / reporting

Cons

Extremely high APR / cost (often cited as predatory)
Allegations of predatory or illegal lending practices and regulatory scrutiny
Poor or unresponsive customer service
Large portion of payments goes to interest, leaving principal largely unreduced
App/account usability issues (password reset failures, reapplication problems)

Upgrade to see all 32 reviews

User Reviews

Recent rating average: 1.30

All time rating average: 2.50

Upgrade to see all 32 reviews

75% (24)

Date	Author	Comment
2026-02-05	LM*****	They are absolute Sharks and charge .1 percent less than what would trigger federal probes for predatory lending.
They are absolute Sharks and charge .1 percent less than what would trigger federal probes for predatory lending.
2026-01-23	ba*****	The app simply does nothing but let you change passwords or talk to AI chat 100% pointless highly don’t recommended your better off just finding a different source to help you.. because a loan of 500$ you will be paying back 3,000+$ don’t do it
The app simply does nothing but let you change passwords or talk to AI chat 100% pointless highly don’t recommended your better off just finding a different source to help you.. because a loan of 500$ you will be paying back 3,000+$ don’t do it
2025-12-16	Ki*****	Avoid these criminals. The worst loan app.
Avoid these criminals. The worst loan app.
2025-07-11	Bt*****	This company gave me a $700 loan while living in Illinois, with a 699.96% APR. That violates Illinois state law, which caps APR at 36%. I paid $344.46 before learning the loan was illegal. The company refuses to refund or respond. This app supports predatory, unlawful lending and should be reviewed by Apple for removal. Edit: Fascinating that you can reply here for damage control but can’t be bothered to respond to my actual emails. I’ve contacted you multiple times to resolve this, and you’ve ignored every attempt. You issued a 699.96% APR loan to me while I was living in Illinois—where that rate is illegal under state law. I’ve paid $344.46 already on a void loan. You refuse to refund or engage directly, yet have time to write PR responses on app reviews? That’s not transparency….it’s evasion. Regulators are already involved.
This company gave me a $700 loan while living in Illinois, with a 699.96% APR. That violates Illinois state law, which caps APR at 36%. I paid $344.46 before learning the loan was illegal. The company refuses to refund or respond. This app supports predatory, unlawful lending and should be reviewed by Apple for removal. Edit: Fascinating that you can reply here for damage control but can’t be bothered to respond to my actual emails. I’ve contacted you multiple times to resolve this, and you’ve ignored every attempt. You issued a 699.96% APR loan to me while I was living in Illinois—where that rate is illegal under state law. I’ve paid $344.46 already on a void loan. You refuse to refund or engage directly, yet have time to write PR responses on app reviews? That’s not transparency….it’s evasion. Regulators are already involved.
2025-06-28	No*****	So I’ve paid off my previous loan years ago. And now I’m trying to reapply for another. But every time I sign in my account it keeps sending me back to the same page. How can I reapply?
So I’ve paid off my previous loan years ago. And now I’m trying to reapply for another. But every time I sign in my account it keeps sending me back to the same page. How can I reapply?
2025-03-14	Ju*****	Beware before you choose to borrow from this company aside from the rates being ridiculously high customer service is useless. Quite honestly they should be reported to the BBB.
Beware before you choose to borrow from this company aside from the rates being ridiculously high customer service is useless. Quite honestly they should be reported to the BBB.
2025-02-19	kb*****	you will end up paying more than what you loaned. & their customer service is terrible. DO NOT USE!!
you will end up paying more than what you loaned. & their customer service is terrible. DO NOT USE!!
2024-11-29	Do*****	What this company does is a crime. Stay away and tell others to stay away!
What this company does is a crime. Stay away and tell others to stay away!
2024-11-15	Mc*****	To everyone who got screwed because they were desperate and couldn’t comprehend the fine print; these loans are illegal, they don’t follow federal guidelines; they operate off “tribal laws” which don’t apply if you’re not on their reservation. So don’t feel bad if you can’t pay them back. There’s protections against predatory loans in every state, which these are.
To everyone who got screwed because they were desperate and couldn’t comprehend the fine print; these loans are illegal, they don’t follow federal guidelines; they operate off “tribal laws” which don’t apply if you’re not on their reservation. So don’t feel bad if you can’t pay them back. There’s protections against predatory loans in every state, which these are.
2024-11-01	Ne*****	High interest is normally for a short term but I just found out there a $14 daily charge! If loan not paid off?! They won’t contact you if a payment didn’t go through so that put you in a late fee charge on the account and interested on that too. I thought I read everything in the contact but I guess I missed something. Another thing!!!! this dose not show on your credit report that you are making payment on time meaning doing good with this company won’t help you in future so don’t bother getting a loan here not unless you are just needing the fast money and paid off fast but be ready because they might throw you a curve ball.😉
High interest is normally for a short term but I just found out there a $14 daily charge! If loan not paid off?! They won’t contact you if a payment didn’t go through so that put you in a late fee charge on the account and interested on that too. I thought I read everything in the contact but I guess I missed something. Another thing!!!! this dose not show on your credit report that you are making payment on time meaning doing good with this company won’t help you in future so don’t bother getting a loan here not unless you are just needing the fast money and paid off fast but be ready because they might throw you a curve ball.😉