Bright Credit is a revolving line of credit and hence there is no fixed term. The time you have to pay this off will depend on your approved credit limit and your monthly minimum due. You can find those details on the app once you are approved for Bright Credit.
You will be required to pay a minimum payment each month. But you can always pay more than the minimum monthly payment if you wish to pay off the loan faster. We don’t charge any prepayment fees and you can pay as much as you like above your credit limit up to the full amount outstanding.