Handle Unexpected Expenses With an Advance From Experian Cash™ Powered by Brigit

What Is Experian Cash^™?

Experian Cash^™ powered by Brigit gives you access to cash with an advance that ranges from $25 to $250, depending on your eligibility. Here's how it works:

1. Sign up for a free Experian membership, and we'll connect you to Brigit.
2. Add your primary checking account to Brigit via Plaid.
3. Find out if you qualify for an advance and how much you are eligible for. There's no credit check, so your credit scores won't be affected.
4. Once you see if you qualify, you can upgrade to an Experian Money Plus^℠ membership to expedite access to your advance.
5. Receive your advance, typically within two to three business days. (You can choose to expedite your advance for a fee.)
6. Pay back your advance on a flexible schedule, usually within two to three weeks.

Advances have no interest, no late fees and no penalties. Once you have paid back an advance, you can receive additional advances, with a limit of one active advance at a time.

How Experian Cash^™ Can Help

Experian Cash^™ powered by Brigit can help you manage your everyday expenses with advances that you can use for any purpose you choose. Key benefits include:

• Affordable advances: Unlike expensive payday loans or credit card cash advances, an Experian Cash^™ powered by Brigit advance has no interest charges, late fees or penalties.
• Flexible repayment options: Pay back your advance on a flexible schedule that fits your needs. You'll typically have two to three weeks to make the payment.
• Get cash quickly: Get your advance generally in two to three days. Need money faster? For a fee, you can choose to expedite your advance.
• No impact to credit scores: Applying for an Experian Cash^™ powered by Brigit advance does not require a credit check, so it won't affect your credit scores.

Experian Cash^™ vs. Cash Advance App

How is Experian Cash^™ powered by Brigit different from a cash advance app (also called a paycheck advance app or early payday app)?

Cash advance app: Advances via cash advance apps are typically repaid by automatic withdrawal from your next paycheck. Depending on the timing and your financial situation, this could leave you short of cash again.

Experian Cash^™: When you get cash with Experian Cash^™ powered by Brigit, automatic payments are withdrawn from your connected bank account, generally within two to three weeks, giving you more control over where your money goes.

If you opt for an Experian Money Plus^℠ membership, which includes Experian Cash^™ powered by Brigit, you'll also enjoy benefits that could help you take control of your cash flow and get ahead financially. (Learn more about Experian Money Plus^℠ below).

Who Should Consider Using Experian Cash^™?

Paycheck timing doesn't always align with your expenses. Experian Cash^™ powered by Brigit may be a good fit for you when:

• You want to avoid late fees or overdrafts. Your utility or rent autopayment is due to come out of your checking account soon, but your account is short by $50. Experian Cash^™ can fill the gap, helping to avoid overdrafts and late fees.
• You need to cover time-sensitive medical costs. A visit to urgent care comes with a copay and a prescription for antibiotics that you need to fill as quickly as possible. Handle the costs with an expedited advance via Experian Cash^™.
• You have urgent transportation expenses. You need to put gas in the car to get to work, but your paycheck is four days away. Experian Cash^™ can help ensure you don't have to miss shifts and lose income.
• Your family has unexpected needs. Children often come home from school with requests, like a sports team fee or payment for a school field trip. Cover the cost with Experian Cash^™.
• You have poor credit or no credit. Experian Cash^™ doesn't require a credit check, so it may be an accessible option for cash even if you don't qualify for traditional financing.
• You want to avoid high interest rates. Credit card cash advances and payday loans typically have high interest rates. An advance with Experian Cash^™ has no interest.

More Ways Experian Money Plus^℠ Helps You Stay on Track

Having quick access to cash is helpful in an emergency, but building financial stability for the future is even better. An Experian Money Plus^℠ membership can move you toward that goal, with tools that help you:

• Reduce your expenses. Experian can help negotiate your eligible bills and cancel unwanted subscriptions^§ for you, so you can keep more of what you earn.
• Save for the future faster. Your Experian Money Plus^℠ membership includes access to a digital high-yield savings account with an annual percentage yield (APY) of up to 3.00%^||. Grow your money faster and build a savings cushion to help you handle future expenses.
• Monitor and improve your credit. Experian Money Plus^℠ gives you access to your Experian credit report and FICO^® Score^*, plus tools to manage, monitor and improve your credit scores. Good credit scores could help you access lower interest rates on credit cards and loans and may offer other benefits such as lower car insurance premiums or more options for renting a house or apartment.
• Protect your identity. Your Experian Money Plus^℠ membership comes with up to $500,000 of identity theft insurance^※, fraud resolution, dark web monitoring and more to help safeguard against financial fraud.

Learn more: Why Do You Want a Good Credit Score?

The Bottom Line

Offering access to cash when you need it, Experian Cash^™ powered by Brigit is included with an Experian Money Plus^℠ membership, which costs $14.99 per month plus applicable sales tax and features plenty of other tools to help reduce your expenses and grow your savings.

Experian offers additional membership levels depending on your needs, starting with a free membership that gives you access to your Experian credit report and FICO^® Score. For deeper credit insights plus identity protection tools, you can choose to upgrade to the core membership for $4.99 per month plus applicable sales tax. If you're looking for comprehensive identity protection, consider Experian's premium membership, which includes credit reports from all three bureaus, dark web surveillance, fraud resolution and more.

^⊜Experian Cash^™ is powered by Brigit. Not all users will qualify. Depending on eligibility, advances range from $25—$250. Express delivery is optional and a fee may apply. Monthly membership fee may apply, cancel anytime. Not available in all states. You are not required to enroll in a paid membership to receive an advance. Users that are eligible for an advance may access an advance without a paid membership here.

^φResults will vary. Not all bills or subscriptions are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any savings. Available with eligible paid memberships and requires connecting payment account(s) to Experian account.

^**Banking services provided by Community Federal Savings Bank, Member FDIC. Experian is not a bank. See Experian.com/legal.

^§ Funds in your Experian Smart Money^™ Accounts are held in a pooled deposit account at Community Federal Savings Bank and insured up to $250,000 for each account ownership category. Leran more at FDIC.gov.

^||The Annual Percentage Yield (APY) is 3.00% as of today's date based on the Experian membership status. The APY may change at any time before or after your account is opened. If you are in or enroll in a trial membership, your APY will be 3.00% during the trial period. No minimum deposit to open account. Balance must be at least $0.01 to earn APY. Learn more.

^*Credit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more.

^※Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits for Experian Money Plus^℠.