Get cash. Save More. Stress Less.

Experian^® Plus can give you more breathing room, every month.

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Get cash when you need it

Life doesn’t wait for your next paycheck and neither should your money. Get advances from $25-$250 with no interest, no late fees and flexible repayment options.^⟐

Reduce your expenses

We’ll negotiate eligible bills, cancel subscriptions you don’t need and could help lower recurring expenses, so more of your money stays yours.^φ

Grow your savings faster

Experian^® Plus includes access to a digital high-yield savings account with 3.00% APY^||, so you can build a cushion while you manage everyday expenses.

Graphic smart money savings and protection.

Get expedited access to Experian Cash™ powered by Brigit—cash when you need it, plus tools to save more and protect your future with Experian^® Plus.

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Experian^® Plus vs. Others

Experian® Plus comparison table
Benefit	Experian^® Plus	Others
Benefit	Helps you take full control of your finances: from getting cash, to cutting expenses, to saving for the future.	Can help cut your expenses but not much else.
Save on bills and subscriptions	We can negotiate bills with your provider and help you cancel unwanted subscriptions.^φ Learn more.Included with Experian® Plus	Included with other options
Access to Cash	Get advances from $25-$250 with no interest and no late fees, with Experian Cash™ powered by Brigit.^⟐ Learn more.Experian® Plus includes access to cash	Other options do not include access to cash
Grow your savings	Earn more from what you save with up to 3.00% APY^\|\| on a digital high-yield savings account for Experian members.Experian® Plus helps you grow savings	Limited offersOther options have limited savings offers
Monitor and improve your credit	Experian credit report and FICO^® Score*, with tools to manage, monitor, and improve your credit, including Experian Boost^®.^øExperian® Plus includes credit monitoring and improvement tools	Limited views of your credit score. Not the direct source.Other options only provide limited credit views
Protect your identity	Peace of mind with up to $500,000 of identity theft insurance^※, fraud resolution, dark web monitoring, and more.Experian® Plus includes identity protection	Other options do not include identity protection

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*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.

^øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost^®. 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^® Plus.

Frequently asked questions

The Experian^® Plus plan includes access to Experian Cash™ powered by Brigit ^⟐, Experian Smart Money™ Digital Savings Account, bill negotiation and subscription cancellation ^φ to help you manage your expenses, identity theft protection including up to $500,000 of identity theft insurance^※, your Experian credit report and FICO^® Score*, credit monitoring, and more.

Yes, you can cancel or change your membership at any time. Sign in to update your membership from a paid monthly membership to a free membership with no monthly costs by simply selecting the type of membership you would like to change to.

Experian Cash™ powered by Brigit allows you to get an advance between $25-$250^⟐ when you need it most, between paychecks, for example. Experian Cash™ powered by Brigit is included with an Experian^® Plus membership for those who qualify.

The Experian Smart Money™ Digital Savings Account is a digital high-yield savings account (HYSA) designed to help you grow your savings online and from your phone. You won’t have a physical bank but can make transfers and access your account on the go. Opening an account takes about a few minutes, and there’s no minimum amount required to open it. Access to Experian Smart Money™ Digital Savings Account is included with an Experian^® Plus membership.

Banking services provided by Community Federal Savings Bank, Member FDIC. Experian is a Program Manager, not a bank.

When you submit a cancellation request, we’ll ask for your account info, like your full name, billing address, phone number and the last 4 digits of your billing card. Then, we’ll contact your provider to cancel your subscription.

It typically takes 3–7 business days for us to cancel a subscription for you. As soon as we have results, we’ll send you an email and update the info on your main subscription cancellation page. We can also send you text notifications if you opt in.

Learn more about how we can help you manage bills and subscriptions.^φ

When you submit a bill negotiation request, we’ll ask you for the most recent copy of your bill. Then, we’ll contact your provider to negotiate savings. Learn more about how we can help you manage bills and subscriptions.^φ

Banking services provided by Community Federal Savings Bank, Member FDIC. Experian is a Program Manager, not a bank.

^§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. Learn 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.

^φResults will vary. Not all bills or subscriptions are eligible for negotiation/cancellation. Savings are not guaranteed, and some may not see any savings.

Get cash. Save More. Stress Less.

Get cash when you need it

Reduce your expenses

Grow your savings faster

Experian^® Plus vs. Others

Frequently asked questions

Money advice

Current Average Savings Interest Rates

What Is a Payday Loan and How Does It Work?

Why Are Payday Loans Bad?

Pros and Cons of High-Yield Savings Accounts

Average Savings by Age in America

How Many Savings Accounts Should I Have?

Credit support

Credit advice

Identity Theft support

Identity Theft Advice

Money advice

Credit Card advice

Loan types

Loan advice

Insurance Advice

Get cash. Save More. Stress Less.

Get cash when you need it

Reduce your expenses

Grow your savings faster

Experian® Plus vs. Others

Frequently asked questions

What features are included with the Experian® Plus plan?

Can I cancel or change my plan at any time?

What is Experian Cash™ powered by Brigit?

What is an Experian Smart Money™ Digital Savings Account?

How does subscription cancellation work?

How does bill negotiation work?

Money advice

Current Average Savings Interest Rates

What Is a Payday Loan and How Does It Work?

Why Are Payday Loans Bad?

Pros and Cons of High-Yield Savings Accounts

Average Savings by Age in America

How Many Savings Accounts Should I Have?

Experian^® Plus vs. Others