How To Develop An App Like Brigit: A Complete Guide

Hitting your bank balance to zero before payday? This has become a global problem due to the current economic position and other factors.

You now have the option to win over this crunch situation with the help of an app that acts as your financial safety net and a budgeting coach. We’re talking about Brigit, which gives you an instant cash boost with a loan at zero interest without affecting your credit score.

The app has made a solid place in the booming fintech industry, making great profits and building a loyal user base. Many businesses today are investing in creating similar apps, looking into their success.

Do you also want to develop an app like Brigit? It’s a great idea to extend your business in this growing fintech industry and create an extraordinary position.

To know how to create it, we have provided you with a complete guide in this blog.

Understanding the Brigit App

Brigit is a fintech app designed to help users manage their cash flow, avoid overdrafts, and help create financial stability. So, if we can explain the Brigit app as a personal finance and budgeting app, that would be best.

The core purpose with which the Brigit app was created is that users can avoid the overdraft fees of the bank. Users can take loans at zero interest and which will be debited automatically on payday only.

Make it easy for users to get financial guidance, as the AI of the app looks over spending and income patterns. 

To use the app, users have to connect their bank account to Brigit. Then users can take advantage of key features like cash advance, budget tracking, credit monitoring, finance alerts, and overdraft prevention.

The app will alert users or just send cash when it detects any potential shortfall since the app’s AI analyzes spending and income patterns.

So, this is the app that aims to keep users safe from falling into a debt trap and maintain their financial stability.

Why is An App Like Brigit Thriving in 2025? – Market Overview

In 2025 and beyond, apps like Brigit will have a thriving market due to a combination of reasons like economics, changing human behaviour, and the rise of the fintech industry.

We are not saying that, but the studies we have made and the reports we have been able to secure speak in our favour.

These statistics will surely encourage more people to develop an app like Brigit and make a profit.

First and foremost thing is that it is expected that the digital lending platform market by 2025 will reach $19.37 billion.

Moreover, it has been predicted by the experts that by the end of the year 2029, the digital lending platform market will increase and reach $45.29 billion. This means between the years 2025 to 2029 the market of digital lending platforms will grow at a CAGR of 23.7%. 

We’ve gathered more reports that say apps like Brigit have a thriving future:

• Today, 85% of traditional banks, intending to offer streamlined services and reach extended customers, are partnering with digital lenders. 
• Due to convenience, speed, and a transparent process, almost 72% of millennials prefer digital lending platforms.  
• The boost in smartphone usage is fueling the adoption of digital lending transactions in 2025, and 85% of them are done through mobile devices. 
• The integration of AI and ML in the digital lending platforms cut short the approval time by 65% as compared to the traditional system.

Must-Have Features to Add to an App Like Brigit

You must have understood what the Brigit app is and be convinced enough, looking into the above statistics, to invest in creating a similar app.

Since you are convinced, you must be familiar with the loan lending app features that make Brigit a unique and successful app. 

Let’s look into the key features of the Brigit app we have listed below, which will help you successfully build an app like Brigit.

► Cash Advance

Cash advance is the primary feature of the app Brigit; this is the value proposition of the app. These are the features which users can take advantage of to take small amounts of loans which can be automatically repaid on payday.

The loans are typically interest-free for users, which is the best thing. When the crash crunches, it’s the best option for users to rely on. 

► AI-Powered Budgeting

This app is the best friend for users who don’t have to put much effort into budgeting. The AI-powered budgeting feature makes life easy for users, which automatically analyzes their spending and income patterns.

After the analysis, the app offers users personalised budgeting tips, financial predictions, and helps avoid the problem of overdrafts. 

► Credit Monitoring & Score Boosting

For users who want to make smarter financial decisions, the credit monitoring & score boosting is the best.

This feature of the Brigit app automatically tracks in real time the credit score of the users and offers actionable advice to help improve their credit score can be improved. This feature is attractive to gamification, which celebrates when the score improves. 

► Multi-Layer Security

Creating apps like Brigit comes with the importance for you to keep the user data and the app secure from any kind of cyber threat. The app comes with the advantage of multi-layer security features.

Users can protect sensitive information & data using features like biometric login, i.e., fingerprint or face ID, end-to-end encryption, and AI-powered fraud detection. 

The Step-By-Step Guide To Developing An App Like Brigit

You know about the Brigit app, why the app is such a hype in 2025, and also know the features that make it stand out. All this information must have encouraged you to create an app like Brigit, so we will proceed with it.

Below is the step-by-step process that will help you build an app similar to Brigit.

1. Market Research and Analysis

The first step in developing an app like Brigit with winning outcomes is to do thorough market research and analyse the competitors. This will help you to understand the money lending app market closely and the competitors in the same market.

As part of the competitor analysis, studying the Brigit app and the other similar apps must be done.

In this way, you are able to know their unique features, the loopholes, and what audiences are expecting. You will be able to design a unique app that fulfills the audience’s needs. 

2. Choosing the Right Technology

Next comes the part without which creating an app like Brigit is next to impossible, which is the technological stack. It is important to choose the ideal tech stack to develop a robust app that stands out in the competitive crowd.

Each development phase needs different technologies that correctly build your app. So, here is the loan lending app tech stack as per the different requirements, i.e., frontend, backend, database, cloud, and payment gateway integration. 

3. The UI/UX Design of the App

After choosing the technology, let’s start to design the app like Brigit before starting its development. In this part, you have to focus on the UI/UX design of the app, and it must be excellent, as that will be developed into the app interface.

Use the wireframe and create the prototype of the app. The user interface (UI) of the app must be easily accessible and intuitive to offer an excellent user experience.

Ensure you design the app keeping in mind that it supports both iOS and Android platforms for seamless use by everyone. 

4. Start Developing the App

After successfully designing the app, it’s now time to jump into the development part of the app. For the Brigit app development, you have to divide it into frontend and backend development. For the frontend development, you have to turn the UI/UX design into an app interface.

In this, the app features and everything that users can see on the screen will be created. Next, the backend development makes sure the app works properly, focusing on creating a robust, scalable, and secure app infrastructure with all the integrations.  

5. Testing and QA of the App

After successfully building an app like Brigit, don’t go straight to launch it, as your app might have some issues or bugs.

So, before you launch the app, test it thoroughly to make the app error-free and bug-free. You don’t want your audience to have a bad experience with your app; in that case, testing and QA are a big help.

QA testing will check that the functionality, security, and performance are working at their optimum state. You can hire professional QA or testers who will make sure your app doesn’t go further without any issues. 

6. Launch & Marketing of the App

Now that you have successfully tested the app and removed all the issues from the app, it is ready to hit the ground, i.e., for launch. Launch the app on various platforms like Google Play, Apple Store, and others.

The audience will download the app from that platform for their use. Before launching the app, you can promote your app through various marketing channels.

Share a post on social media, use email marketing, send SMS, and others to create a buzz about the app. This will help you attract more audiences.

7. Post-Launch Maintenance

Thought after the app launch, the work is over? No, the app development work is yet to be over because the best loan lending apps need to offer excellent performance. Thus, carrying out the post-launch maintenance is very important.

In this step, the developers will keep an eye on the performance of the app, and if any issues are raised, they are to be fixed right away.

The app must be kept updated so that the app doesn’t lag. With the increasing cyber attacks, the security patch of the app must be kept updated.

Factors to Consider Affecting the Cost of Developing an App Like Brigit

While spilling the development cost, we told you about various factors that work behind deciding the cost. We will tell you the factors in this section that will make the budgeting work more efficiently. 

The factors that decide the cost of Brigit app development have been listed below. Let’s take a look at them.

➤ Development Team

The team working on developing an app like Brigit plays an important role in influencing the development cost. The location, expertise, and tea size decide how much they will charge you.

There are two types of development teams: offshore and onshore. The former exists outside the country, and the latter exists within the country and is a costlier option. 

➤ Project Complexity

Project complexity, i.e., if the app has to be created by integrating complex features, APIs, and strong backend infrastructure, then that can raise the development cost.

When unique features have to be integrated, like AI in loan lending, or the app is created with complex and advanced technologies, it affects the cost. This is because it takes a longer time and extra effort in creation. 

➤ Platform Choice and Devices

The choice of platform and devices will affect the cost of mobile app development. You can create an app for two types of platforms: Native, i.e., either iOS or Android, and cross-platform, i.e., for both iOS and Android at the same time.

Creating an app for a native platform can be a costlier option than a cross-platform one. Also, device compatibility affects the development cost, which means your app must support a range of screens and devices.

➤ UI/UX Design

The UI/UX design of the app affects its development cost. It should be your aim to offer your audience an app that has an excellent user interface (UI) that offers them a good user experience (UX).

For this reason, you must invest in hiring a skilled and experienced designer, which can be costlier. You will get a budget-friendly option with standard templates, but that is not the best option. 

➤ Security and Compliance

Since you will be investing in developing an app like Brigit, focusing on its security and compliance is crucial. These apps have to handle sensitive data of thousands of users all the time, so it’s crucial to integrate robust security measures and compliance with regulations like PCI, DSS, or GDPR. The financial regulations like KYC, anti-money laundering, etc, should also be added, which will affect the cost. 

How to Monetize Your App Like Brigit?

Your next step is to know how money lending apps make money. Just creating an app will not be enough; you must know how your app can help your business to enjoy financial profit. 

So, here are the monetization strategies you need to know.

♦ Subscription Model

Offer a subscription model to your app users that will allow them to access premium features of the app by subscribing to an annual or monthly paid plan. 

♦ In-App Advertisement

Offer your app as a banner for another brand to run advertisements in exchange for money that helps businesses earn money. This is used by almost every kind of app. 

♦ Affiliate Marketing

Affiliate marketing will allow app owners to earn commissions by promoting relevant financial products or services within the app. 

♦ Freemium Model

Integrate a freemium model into your app like Brigit, which will allow users to access the basic features for free and to use the premium features, but they have to invest in paid plans.

The Cost of Investing in Developing an App Like Brigit

Now, you are well aware of the app development process, like Brigit, you should know how much it will cost you to make this investment.

This will help you make a clear budget for your app before diving into its development process.

The cost to develop a loan lending app similar to Brigit would range between $20,000 to $150,000 or more, depending on various factors of development.

The factors that decide the development cost include features, complexity, technology used, development team location, and more.

Also, different levels of apps have different development costs. Suppose you’re creating an MVP app, then it will cost you no more than $50,000.

Further, if you are creating a mid-level app, then that will cost you between $60,000 to $90,000. Lastly, if you want to develop a fintech super app using all the advanced technologies & features, then that will cost you more than $90,000. 

Why Partner With Nimble AppGenie to Develop an App Like Brigit?

Are you stuck on how to build a loan app like Brigit? Don’t worry, because Nimble AppGenie is here to rescue you. We know exactly which steps need to be followed to create a futuristic, robust, and scalable fintech app.

We have decades of experience in developing an app like Brigit, which has brought digital transformation in fintech. Our asset is the team of expert developers who put their 100% efforts into making your app successful among the competition.

We have extended our expertise to the broader industry, whether it’s fitness, restaurants, or any other, like music, etc., making us the best loan lending app development company.

We will help you turn any of your mobile app ideas into reality with advanced technology and unique features that stand out from the competition.

Conclusion

So, you must know that building an app like Brigit is all about investing in creating a trustworthy financial partner for your users. By blending innovative technology, seamless user experience, and strong security, you can achieve it.

Do you know how you can create an app like Brigit? Additionally, you have to learn everything you need to know related to it, from market overview to its development cost and more.

So, it’s time to map the idea of your app and start working towards creating a strong future for it that stands out from the competition.

FAQs

Niketan Sharma

Niketan Sharma, CTO, Nimble AppGenie, is a tech enthusiast with more than a decade of experience in delivering high-value solutions that allow a brand to penetrate the market easily. With a strong hold on mobile app development, he is actively working to help businesses identify the potential of digital transformation by sharing insightful statistics, guides & blogs.