Earning BridgePoints™ is automatic and part of the Bridgeover service:

• Welcome Grant - Upon opening your user account, you will receive an initial welcome grant of BridgePoints™ to kickstart your credit reserve.

• Monthly Accumulation - As a user of the service, you'll continue to accrue additional BridgePoints™ every month. These monthly grants are automatically added to your account on the 1st of each calendar month, providing a consistent boost to your credit reserve.

It's important to note that accumulating BridgePoints™ does not require linking your bank account, but you do need to be registered on the Bridgeover service in order to accumulate BridgePoints™. To redeem BridgePoints™ for Cash Advances, a Linked Bank Account is necessary. To ensure eligibility for the Advance service, it's recommended to connect your bank account at your earliest convenience.

At any time, you can easily check your current BridgePoints™ balance within the Bridgeover app, offering transparency and control over your credit reserve.

Remember, the more BridgePoints™ you accumulate, the greater the flexibility to take higher advances for extended periods when the need arises.

1. Utilizing your BridgePoints™ to access Cash Advances is a seamless process designed to provide financial support when you need it. Here's a step-by-step guide:

   1. Check Available BridgePoints™:

   • Before taking a Cash Advance, you can view the number of BridgePoints™ available to you in the Bridgeover app.

   
    

   • Click on "What does it mean?" to see the corresponding dollar amount and the aggregated total period for the Cash Advance you can take.

    

   2. Adjust Amount and Period:

   • Use the slider in the app to adjust the amount you want for the Cash Advance.

   • Observe how the selected amount affects the availability period.

    

   3. Maximum Advance Limits:

   • Be mindful that there is a maximum amount limit for the advance, determined by your payroll, with a maximum of $400.

   • Additionally, the maximum period for an open advance is restricted.

   • Please note that if you don’t have sufficient BridgePoints™, you may not be able to take Advance, top-up an existing Advance.

    

   4. Advance Confirmation:

   • Once satisfied with the selected amount and period, confirm your request within the app.

    

   5. Funds Transfer:

   • Once the Advance is confirmed, the funds are on their way to your account, usually reaching you on the same business day.

    

   6. Repayment Options:

   • Repayment is due on your next payday, but the system offers flexibility.

   • If needed, you can customize a repayment schedule within the app, spreading it over up to three payment cycles and up to a specified number of weeks from the advance date.

    

   As long as you have an open advance, your BridgePoints™ balance will be reduced.

   Make sure to manage your BridgePoints™ reserve wisely to ensure you always have access to the cash advances you need. As you accumulate more BridgePoints™, you'll have the flexibility to take larger advances for longer periods, providing peace of mind during financial emergencies.

If you find yourself lacking sufficient BridgePoints™, consider adjusting the advance amount or duration to better align with your current BridgePoints™ balance. Remember, advances are collected on the repayment date you've chosen. Even if you're short on BridgePoints™ today, additional BridgePoints™ are credited at the start of each calendar month, potentially enabling you to access the desired advance.

Make sure you smartly manage your BridgePoints™ reserve, so you will always have access to the cash advances you need. The more BridgePoints™ you accumulate, the larger the advances you can take, for a longer period of time, when you need it.