Attorney General Ellison sues to stop unlawful app-based lending

Brings lawsuit against online payday lender Brigit for violating Minnesota’s payday lending laws, which protect borrowers from being exploited and falling further into debt

Annual percentage rates Minnesotans pay on Brigit loans regularly exceed 300%, with some exceeding 700%

June 10, 2026 (SAINT PAUL) — Minnesota Attorney General Keith Ellison today filed a lawsuit against Bridge It, Inc., doing business as Brigit, for Brigit’s violations of Minnesota’s payday lending laws. AG Ellison alleges that Brigit is an unlicensed, unregistered, consumer small-loan and consumer short-term lender making a modern, online variation of payday loans. Brigit has issued tens of thousands of small and short-term loans to Minnesotans without complying with the requirements the Minnesota Legislature has created for those making certain types of loans.

Annual percentage rates Minnesotans pay on Brigit loans regularly exceed 300%, with some exceeding 700%. Nowhere does Brigit disclose these extremely high rates of borrowing to the consumer. State law caps the annual percentage rate that consumer short-term loan lenders may charge at 50%.

“As Attorney General, it’s my job to protect consumers from businesses that try to evade the law and take advantage of people who take desperate measures to afford their lives,” Attorney General Ellison said. “Regardless of how Brigit markets itself, the advances it offers consumers in need of cash are clearly loans. The legislature has wisely chosen to regulate lenders like Brigit carefully to keep short-term borrowers from being exploited and falling even further into debt. To operate in Minnesota, Brigit needs to comply with these laws when advancing funds for profit, as all payday lenders do. I’m bringing this lawsuit because it’s my job to protect consumers and enforce the law to protect consumers.”

Brigit offers an app where consumers take out what it and others in the fintech industry call “earned wage advances.” For such lending, companies advance money to consumers that meet specified criteria, including that consumers must be able to demonstrate recurring deposits to their bank accounts. Brigit calls its loans “Instant Cash” advances and claims that Minnesota’s payday lending laws do not apply because its terms and conditions indicate that consumers may choose not to repay these advances.

However, as Attorney General Ellison’s lawsuit documents, Brigit’s advances are loans by any common-sense understanding. Brigit speaks about them like loans and takes numerous steps to ensure that consumers repay them as loans.

• First, in order to make the loan, Brigit requires a consumer to preauthorize Brigit to deduct the loaned amount — plus any incurred fees — from the consumer’s account at a future repayment date.
• Second, Brigit does not disclose anywhere in the normal flow of its app that repayment is “voluntary.”
• Third, Brigit does not offer an entirely in-app cancellation mechanism or even disclose within the app how a consumer may cancel or choose not to repay.   
• Fourth, Brigit offers consumers “extension credits,” strongly suggesting that it costs the consumer something to extend the repayment date, and consumers may only do so a specified number of times.  
• Fifth, when consumers do reach out to customer service, as they must do to cancel, Brigit’s responses often reinforce the belief that the loan must be repaid.

Taken together, Brigit’s actions confirm that these “earned wage advances” are nothing more than payday loans disguised to try to circumvent Minnesota’s laws.

Businesses like Brigit that operate in Minnesota and make loans to Minnesotans must comply with Minnesota law, including Minnesota’s robust payday-lending laws that place caps on the interest and fees that can be charged and require important disclosures, among other requirements. These are important laws that protect borrowers facing financial difficulty from being exploited and sinking further into debt traps and poverty.

Attorney General Ellison encourages Minnesotans to submit complaints about Brigit or other earned-wage advance lenders by filing a complaint with the Attorney General’s Office via its online complaint form. The Office can also be reached by phone at (651) 296-3353 or (800) 657-3787.