Brigit cash-advance data API

Hello Brigit, Inc. · Lending

Brigit: Cash Advance & Credit is Hello Brigit, Inc.'s Android client for U.S. consumers who would otherwise reach for a payday loan or a bank overdraft. Members sign in with a U.S. phone number or email, connect a checking account through Plaid, pick a protected account, and draw a cash advance that can land as a standard ACH or as an express debit-card delivery in about 20 minutes. The same home screen tracks overdraft likelihood, upcoming paydays, bills and bank fees, and lets members repay or extend an outstanding advance, pause a subscription, or switch banks. Hello Brigit competes with Dave, Earnin, MoneyLion, Albert and Possible Finance in the U.S. cash-advance niche; the Play listing is Brigit: Cash Advance & Credit.

Linked checking rows expose balanceAvailable and balanceCurrent on the protected account, while each cash-advance object in loans carries loanAmount, dueDate and isExpress. Payday calendars keyed by incomeId sit next to overdraftLikelihood and shortfallAmount, and PFM cards add monthly inflows/outflows, bill dueDate and fee totalAmount by code. Underwriting and collections teams use that member ledger to size the next advance, warn before an NSF, and schedule repayments; openData Studio turns it into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Sign in with phone or email
POST /v1/members/auth/sign-in osint
Starts a member session from the phone or email sign-in screen and returns the Bearer token plus nextStep / activationNextStep that steer PIN confirmation, name capture and bank linking.
Auth: Unauthenticated. Phone sign-in posts phoneNumber; email sign-in posts emailAddress. The returned token becomes the Bearer credential for later calls.
- phoneNumber
- emailAddress
- token
- id
- nextStep
- activationNextStep
- firstName
- lastName
- email
```
POST /v1/members/auth/sign-in HTTP/1.1
Content-Type: application/json

{
  "phoneNumber": "+14155550123"
}
```
```
{
  "token": "<bearer-token>",
  "id": "usr_8f21c0ab",
  "nextStep": "AUTH_PIN",
  "activationNextStep": null,
  "details": {
    "personal": {
      "phoneNumber": "+14155550123",
      "email": "[email protected]",
      "firstName": "Alex",
      "lastName": "Rivera"
    }
  }
}
```
Verify member PIN
POST /v1/members/auth/pin osint
Confirms the member's PIN on the PIN screen and advances nextStep (typically bank linking, or straight to the home screen) for the signed-in member.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- pin
- token
- id
- nextStep
- activationNextStep
```
POST /v1/members/auth/pin HTTP/1.1
Authorization: Bearer <token>
Content-Type: application/json

{
  "pin": "147258"
}
```
```
{
  "token": "<bearer-token>",
  "id": "usr_8f21c0ab",
  "nextStep": "LINK_BANK",
  "activationNextStep": null
}
```

Load member protection snapshot

GET /v1/members/me/overview openfinance

Hydrates the home dashboard: cash-advance headroom (loanAmount vs maxLoanAmount), the protected checking balance, overdraftLikelihood / shortfallAmount, outstanding loans and underwritingChecks.

Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.

loanAmount
minLoanAmount
maxLoanAmount
suggestedLoanAmount
protectionStatus
balanceAvailable
balanceCurrent
protectedAccountId
institutionName
overdraftLikelihood
shortfallAmount
zeroDate
isAutoEnabled
pricingStrategy
pricingAmount
underwritingChecks
extensionCredits
dueDate
isExpress
isOutstanding

GET /v1/members/me/overview HTTP/1.1
Authorization: Bearer <token>

{
  "id": "usr_8f21c0ab",
  "nextStep": null,
  "token": "<bearer-token>",
  "details": {
    "personal": {
      "firstName": "Alex",
      "lastName": "Rivera",
      "email": "[email protected]",
      "phoneNumber": "+14155550123",
      "referralRewardAmount": 25
    },
    "bank": {
      "institutionId": "ins_3",
      "institutionName": "Chase",
      "institutionLogoUrl": "https://example.com/chase.png",
      "protectedAccountId": "acc_checking_1",
      "balanceAvailable": 214.55,
      "balanceCurrent": 226.10,
      "checkingAccounts": [
        {
          "accountId": "acc_checking_1",
          "name": "Checking ...1234",
          "card": {"status": "VERIFIED", "lastFour": "4412"}
        }
      ],
      "secondaryAccounts": []
    },
    "protection": {
      "loanAmount": 125,
      "minLoanAmount": 50,
      "maxLoanAmount": 250,
      "suggestedLoanAmount": 125,
      "protectionStatus": "DELIVERED",
      "protectionStatusDescription": "Your cash is in your account",
      "isEnabled": true,
      "isImmediateDisbursal": false,
      "isManualAllowed": true,
      "isAutoEnabled": false,
      "extensionCredits": 1,
      "savings": {"amount": 12.4},
      "pricingDetails": {
        "pricingStrategy": "FLAT_UTILIZATION_FEE",
        "pricingAmount": 8.99
      },
      "approval": {
        "isApproved": true,
        "progress": 1,
        "underwritingChecks": [
          {"category": "Income Requirements", "isFulfilled": true}
        ]
      },
      "loans": [
        {
          "id": "ln_4412",
          "amount": 125,
          "isExpress": false,
          "isDelivered": true,
          "isOutstanding": true,
          "isProcessing": false,
          "deliveryDate": "20261018",
          "dueDate": "20261031",
          "originationTimestamp": "2026-10-18T16:04:11Z"
        }
      ]
    },
    "prediction": {
      "overdraftLikelihood": "POTENTIAL",
      "shortfallAmount": 42.1,
      "zeroDate": "20261028",
      "incomeSources": [
        {"id": "inc_9", "status": "VERIFIED", "frequency": "BIWEEKLY", "dayOfWeek": "FRIDAY"}
      ]
    },
    "preferences": {
      "notifications": {
        "isEmailEnabled": true,
        "isPushEnabled": true,
        "isSMSEnabled": false
      }
    },
    "flags": {
      "isBankTimeout": false,
      "isTabapayCardUser": true,
      "isDisbursalFlowV2": true
    }
  }
}

List bank transactions by day

GET /v1/members/me/ledger openbanking

Pages linked checking activity grouped by date (YYYYMMDD) for the transactions list: merchant name, signed amount and isPending.

Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.

date
transactions
transactionId
name
amount
isPending

GET /v1/members/me/ledger?date=20261018 HTTP/1.1
Authorization: Bearer <token>

[
  {
    "date": "20261018",
    "transactions": [
      {
        "transactionId": "txn_88c1",
        "name": "SQ *BLUE BOTTLE",
        "amount": -6.45,
        "isPending": false
      },
      {
        "transactionId": "txn_88c2",
        "name": "PAYROLL ACME CO",
        "amount": 1240.11,
        "isPending": false
      }
    ]
  }
]

Monthly cashflow snapshot

GET /v1/insights/monthly-flow opendata

Returns per-month inflows vs outflows for the 'Where you stand' cash-flow card.

Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.

month
inflows
outflows

GET /v1/insights/monthly-flow HTTP/1.1
Authorization: Bearer <token>

[
  {
    "month": "2026-10-01",
    "inflows": 2480.22,
    "outflows": 2315.40
  },
  {
    "month": "2026-09-01",
    "inflows": 2480.22,
    "outflows": 2601.15
  }
]

Upcoming bills calendar

GET /v1/insights/recurring-bills opendata

Lists detected recurring bills with name, amount, paid flag and dueDate for the bills screen.

Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.

name
amount
paid
dueDate

GET /v1/insights/recurring-bills HTTP/1.1
Authorization: Bearer <token>

[
  {
    "name": "PG&E",
    "amount": 86.4,
    "paid": false,
    "dueDate": "2026-10-22"
  },
  {
    "name": "T-Mobile",
    "amount": 70,
    "paid": true,
    "dueDate": "2026-10-12"
  }
]

Bank fee totals by code
GET /v1/insights/fee-totals opendata
Aggregates bank fees by fee code (OVERDRAFT, ATM, LATE_PAYMENT, CASH_ADVANCE and others) with totalAmount for the refund-tip cards.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- code
- totalAmount
```
GET /v1/insights/fee-totals HTTP/1.1
Authorization: Bearer <token>
```
```
[
  {
    "code": "OVERDRAFT",
    "totalAmount": 70
  },
  {
    "code": "ATM",
    "totalAmount": 9.5
  },
  {
    "code": "LATE_PAYMENT",
    "totalAmount": 0
  }
]
```
Spending category breakdown
GET /v1/insights/spend-categories opendata
Breaks linked-account spend into category buckets (FOOD_AND_DRINK, SHOPS, TRANSFER, BANK_FEES, CASH_ADVANCE and others) for the spending category list.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- code
- amount
```
GET /v1/insights/spend-categories HTTP/1.1
Authorization: Bearer <token>
```
```
[
  {
    "code": "FOOD_AND_DRINK",
    "amount": 312.18
  },
  {
    "code": "SHOPS",
    "amount": 144.02
  },
  {
    "code": "TRANSFER",
    "amount": 80
  }
]
```
Potential income sources
GET /v1/income/candidates openfinance
Returns candidate payroll streams detected on the linked account before the member saves them, with pay frequency and payday calendar fields.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- id
- status
- frequency
- dayOfWeek
- dayOfMonth1
- dayOfMonth2
- weekOfMonth
- periodMean
- isEndOfMonth
```
GET /v1/income/candidates HTTP/1.1
Authorization: Bearer <token>
```
```
[
  {
    "id": "inc_pot_1",
    "status": "PENDING",
    "frequency": "BIWEEKLY",
    "dayOfWeek": "FRIDAY",
    "periodMean": 14,
    "isEndOfMonth": false
  }
]
```
Upcoming paydays for an income source
GET /v1/income/{incomeId}/paydays openfinance
Returns the payday calendar for a saved income source, keyed by incomeId, so repayment dates can be aligned with payroll.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- incomeId
- upcomingPaydays
```
GET /v1/income/inc_9/paydays HTTP/1.1
Authorization: Bearer <token>
```
```
{
  "incomeId": "inc_9",
  "upcomingPaydays": ["20261031", "20261114", "20261128"]
}
```
Set cash-advance amount
POST /v1/advances/limit openfinance
Writes the member-selected advance size between minLoanAmount and maxLoanAmount before a manual disbursal.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- loanAmount
- minLoanAmount
- maxLoanAmount
- suggestedLoanAmount
```
POST /v1/advances/limit HTTP/1.1
Authorization: Bearer <token>
Content-Type: application/json

{
  "loanAmount": 150
}
```
```
{
  "details": {
    "protection": {
      "loanAmount": 150,
      "minLoanAmount": 50,
      "maxLoanAmount": 250,
      "suggestedLoanAmount": 125
    }
  }
}
```
Quote manual disbursal
GET /v1/advances/quote openfinance
Quotes delivery and due dates for a requested cash advance (standard ACH vs isExpress debit-card delivery in about 20 minutes) before the member confirms.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- estimatedDeliveryDate
- estimatedDueDate
- loanAmount
- disbursalDeliveryDate
- disbursalDueDate
- isExpress
```
GET /v1/advances/quote?amount=150&isExpress=false HTTP/1.1
Authorization: Bearer <token>
```
```
{
  "estimatedDeliveryDate": "20261021",
  "estimatedDueDate": "20261031",
  "loanAmount": 150,
  "disbursalDeliveryDate": "20261021",
  "disbursalDueDate": "20261031"
}
```

Request cash-advance disbursal

POST /v1/advances openfinance

Sends the confirmed cash advance to the protected checking account or express debit card and returns the new loan object.

Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.

protectionStatus
isImmediateDisbursal
loans
amount
isExpress
isDelivered
isProcessing
isOutstanding
deliveryDate
dueDate

POST /v1/advances HTTP/1.1
Authorization: Bearer <token>

{
  "details": {
    "protection": {
      "protectionStatus": "DISBURSED",
      "isImmediateDisbursal": false,
      "loans": [
        {
          "id": "ln_4413",
          "amount": 150,
          "isExpress": false,
          "isDelivered": false,
          "isProcessing": true,
          "isOutstanding": true,
          "deliveryDate": "20261021",
          "dueDate": "20261031"
        }
      ]
    }
  }
}

Quote loan repayment
POST /v1/advances/repayment-quote openfinance
Quotes how an outstanding loan will be pulled from the protected account (expectedRemovalDate plus any flat utilization pricingAmount) before the member confirms repayment.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- expectedRemovalDate
- amount
- pricingAmount
- pricingStrategy
- balanceAvailable
- accountName
```
POST /v1/advances/repayment-quote HTTP/1.1
Authorization: Bearer <token>
Content-Type: application/json

{
  "loanId": "ln_4412"
}
```
```
{
  "expectedRemovalDate": "20261022",
  "amount": 150,
  "pricingAmount": 8.99,
  "pricingStrategy": "FLAT_UTILIZATION_FEE"
}
```
Quote loan due-date extension
POST /v1/advances/extension-quote openfinance
Returns calendar windows (validDays, invalidDays, paydays) and remaining extensionCredits for the extend-loan date picker.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- validDays
- invalidDays
- paydays
- extensionCredits
```
POST /v1/advances/extension-quote HTTP/1.1
Authorization: Bearer <token>
Content-Type: application/json

{
  "loanId": "ln_4412"
}
```
```
{
  "validDays": ["20261107", "20261108"],
  "invalidDays": ["20261101"],
  "paydays": ["20261114"],
  "extensionCredits": 1
}
```

Select protected checking account

POST /v1/accounts/primary openbanking

Marks which linked checking account receives advances and repayments after the member picks it from the account list.

Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.

accountId
isJoint
protectedAccountId
checkingAccounts
name

POST /v1/accounts/primary HTTP/1.1
Authorization: Bearer <token>
Content-Type: application/json

{
  "accountId": "acc_checking_1",
  "isJoint": false
}

{
  "details": {
    "bank": {
      "protectedAccountId": "acc_checking_1",
      "checkingAccounts": [
        {
          "accountId": "acc_checking_1",
          "name": "Checking ...1234"
        }
      ]
    },
    "nextStep": null
  }
}

Bank-link progress
GET /v1/accounts/link-status openbanking
Polls bank-link ingestion after the member connects a bank so the wait screen can show progressPercent; updateToken is returned when the bank session needs re-authentication.
Auth: Authorization: Bearer token issued by POST /v1/members/auth/sign-in.
- progressPercent
- environment
- updateToken
```
GET /v1/accounts/link-status HTTP/1.1
Authorization: Bearer <token>
```
```
{
  "progressPercent": 72,
  "environment": "production",
  "updateToken": null
}
```

Data categories

cash advances
bank balances
transactions
income and paydays
bills
bank fees
identity

Where teams use this data

Cash-advance limit monitor
A lending ops bot reads loanAmount against maxLoanAmount and suggestedLoanAmount, plus approval.underwritingChecks, to alert when headroom changes or an underwriting rule flips isFulfilled.
Overdraft early-warning feed
A budgeting tool combines overdraftLikelihood, shortfallAmount and zeroDate with balanceAvailable on the protected account to warn before the next NSF.
Payday-aligned repayment scheduler
Collections software pulls upcomingPaydays for an incomeId together with repayment expectedRemovalDate and extension validDays so ACH pulls land after payroll, not before.
Bill and fee ledger
A household-finance dashboard overlays pfm bills (name, amount, dueDate, paid) with fee totals by code (OVERDRAFT, ATM, LATE_PAYMENT) and monthly inflows/outflows.

Frequently asked questions

What cash-advance fields does Brigit expose?

The member overview returns loanAmount, minLoanAmount, maxLoanAmount and suggestedLoanAmount, plus each loans[] row with amount, dueDate, deliveryDate, isExpress, isDelivered and isOutstanding. The advance quote returns estimatedDeliveryDate and estimatedDueDate before the advance is sent.

Can I read the linked bank balance and transactions?

Yes. The member overview includes balanceAvailable and balanceCurrent on the protected checking account (protectedAccountId, institutionName), and the ledger view pages activity by date with transactionId, name, amount and isPending.

How does Brigit authenticate members?

A member signs in with a phone number or email address and receives a session token; later calls send it as an Authorization: Bearer header. A PIN confirmation step follows, and the response's nextStep then points to bank linking.

Is there income and bill data beyond the advance itself?

Yes. Candidate income sources carry frequency and payday calendar fields, and upcomingPaydays is keyed by incomeId. The insights views return monthly inflows/outflows, recurring bills with dueDate, and bank fees with code and totalAmount.

Apps similar to Brigit: Cash Advance & Credit

EarnIn — EarnIn Cash Out advances $10 to $1,000 against already-earned wages, with standard delivery in 1 to 2 business days and optional instant delivery fees of $3.99 to $5.99.
Dave — Dave ExtraCash advances $25 to $500, depositing instantly into a Dave checking account, with optional one-hour debit-card delivery at 1.5% of the transfer and a membership fee of up to $5 a month.
Tilt — Tilt Cash Advance (formerly Empower) sends $10 to $500 to an existing bank account in about one business day, or instantly onto a Tilt debit card, with optional 15-minute express delivery at $1 to 3% of the advance.
MoneyLion — MoneyLion Instacash advances $10 to $500 (up to $1,000 with qualifying direct deposits to a MoneyLion Spend account), with free standard delivery in 1 to 5 business days and optional instant Turbo fees.
Chime — Chime MyPay lets eligible checking members with direct deposit draw $20 to $500 per pay period with no mandatory fees, landing in a Chime account within 24 hours or instantly for a $2 to $5 expedite fee.
Current — Current Paycheck Advance offers $25 to $750 into a Current account with no mandatory fees and no disbursement cap, so a member who qualifies for $750 can take the full amount at once.
Klover — Klover Balance Advance offers $5 to $750 with no mandatory fees, standard delivery in a couple of days, optional express fees of $3.99 to $37.49, and a points program that can cover an advance or the express fee.
Cleo — Cleo cash advances of $20–$250 ($20–$100 for first-time users) are based on accrued unpaid income, with same-day transfers subject to express fees of $3.99–$14.99, and the app also includes budgeting tools.

More Lending apps

Topics

Brigit API
cash advance data
loanAmount
balanceAvailable
overdraftLikelihood
upcomingPaydays
bill due dates
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Brigit cash-advance data API

Screenshots

API surface

Sign in with phone or email

Verify member PIN

Load member protection snapshot

List bank transactions by day

Monthly cashflow snapshot

Upcoming bills calendar

Bank fee totals by code

Spending category breakdown

Potential income sources

Upcoming paydays for an income source

Set cash-advance amount

Quote manual disbursal

Request cash-advance disbursal

Quote loan repayment

Quote loan due-date extension

Select protected checking account

Bank-link progress

Data categories

Where teams use this data

Cash-advance limit monitor

Overdraft early-warning feed

Payday-aligned repayment scheduler

Bill and fee ledger

Frequently asked questions

Apps similar to Brigit: Cash Advance & Credit

More Lending apps

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Duxi Finanzas: Préstamo Seguro

Topics

Need this app's data API integrated?

Brigit cash-advance data API

Screenshots

API surface

Sign in with phone or email

Verify member PIN

Load member protection snapshot

List bank transactions by day

Monthly cashflow snapshot

Upcoming bills calendar

Bank fee totals by code

Spending category breakdown

Potential income sources

Upcoming paydays for an income source

Set cash-advance amount

Quote manual disbursal

Request cash-advance disbursal

Quote loan repayment

Quote loan due-date extension

Select protected checking account

Bank-link progress

Data categories

Where teams use this data

Cash-advance limit monitor

Overdraft early-warning feed

Payday-aligned repayment scheduler

Bill and fee ledger

Frequently asked questions

Related apps

Apps similar to Brigit: Cash Advance & Credit

More Lending apps

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Duxi Finanzas: Préstamo Seguro

Topics

Need this app's data API integrated?