When you need emergency cash, every minute counts. Whether it’s a same-day car repair or an urgent bill payment, knowing exactly when your money will arrive helps you plan better.Â
Brigit offers two delivery speeds for cash advances, and understanding the difference between them can help you choose the right option for your situation.
Below, I will explain how long Brigit takes to send your cash advance.
How long does Brigit take to send your money?
Brigit offers two delivery speeds:
Express Delivery: About 20 minutes. This is the fast option for emergencies.
Standard Delivery: 1 to 3 business days. This is the free or cheaper option when you can wait.
Which one you choose depends on how urgently you need the cash and whether you want to pay extra for speed.
Express Delivery: Get money in 20 minutes
Express Delivery is Brigit’s fastest option for genuine emergencies.
How fast is it?
Most people get their money within 20 minutes.
I’ve personally seen it arrive in 15 minutes with some banks, though it can take up to 30 minutes with slower banks.
The timing depends on your bank’s processing speed, what time of day you request it, and whether it’s a weekend or holiday (though Express works every day).
How it works
The process is simple: Open Brigit and request your advance. Select Express Delivery. Confirm the small express fee. Brigit processes it immediately and sends the money to your bank. Within about 20 minutes, it’s in your account.
Who gets Express for free?
If you have Premium membership ($14.99/month), Express Delivery is free.
If you have Plus membership ($8.99/month), you’ll pay a small fee—usually $1.99 to $3.99 per express transfer.
When to use Express Delivery
Use Express when:
You have a same-day emergency (car broke down, urgent bill, need to buy medication now). Your card got declined and you need money immediately. You’re about to overdraft and need to cover a transaction fast. Time actually matters—you can’t wait until tomorrow.
Don’t waste money on Express if you’re just planning ahead for next week’s expenses.
Standard Delivery: Free but slower
Standard Delivery is Brigit’s default option, and it’s included with your membership at no additional cost.
How long does Standard Delivery take?
Standard Delivery typically takes 1 to 3 business days to reach your account.
More specifically:
Next business day: If you request an advance on Monday morning, you’ll likely see the funds Tuesday.
2-3 business days: If you request late in the day, on a Friday, or before a holiday, expect 2-3 business days.
The delay comes from using standard ACH (Automated Clearing House) transfers, which are the same system your employer uses for direct deposit.
How Standard Delivery works
The process is simple:
You request an advance in the Brigit app. You select Standard Delivery (or it’s selected automatically if you don’t 
choose Express). Brigit initiates an ACH transfer to your bank. Your bank processes the transfer according to normal banking timelines. The money appears in your account within 1-3 business days.
ACH transfers batch process overnight, which is why they take longer than instant transfers.                               Â
When to use Standard Delivery
Standard Delivery works perfectly when:
You’re planning ahead for upcoming expenses. You need money within a few days but not immediately. You want to avoid any express fees. Your financial emergency isn’t time-critical.
For example, if you know your utility bill is due on Friday and today is Monday, standard delivery will get the money to you in plenty of time.
Factors that affect delivery speed
Several factors influence how quickly your Brigit advance reaches your account:
Your bank’s processing speed
Not all banks process transfers at the same speed.
Large national banks like Chase, Bank of America, and Wells Fargo typically process Express Delivery very quickly—often within 15-20 minutes.
Smaller regional banks or credit unions might take slightly longer, even with Express Delivery—sometimes 30-45 minutes.
For Standard Delivery, banks that process ACH transfers multiple times per day will get your money faster than banks that only process once daily.
Time of day
If you request an Express Delivery advance at 2 PM on a Tuesday, you’ll likely receive it within 20 minutes.
If you request it at 11 PM, it might take slightly longer as some banks have reduced processing capacity during late-night hours.
For Standard Delivery, requesting early in the day (before noon) increases your chances of next-business-day arrival.
Requesting in the evening means your transfer might not process until the next business day, adding an extra day to the timeline.
Day of the week
Express Delivery works every day of the week, including weekends and holidays.
However, some banks slow down their processing on weekends, so a Saturday request might take 25-30 minutes instead of 15-20 minutes.
Standard Delivery doesn’t process on weekends or bank holidays.
If you request a standard advance on Friday evening, it won’t process until Monday, and you might not see the money until Tuesday or Wednesday.
Bank holidays
Bank holidays affect delivery times significantly.
Express Delivery still works on holidays (like Labor Day or Memorial Day), though it might be slightly slower as banks run skeleton crews.
Standard Delivery doesn’t process on bank holidays at all. A Wednesday holiday can turn a standard 1-day delivery into a 3-day wait.
How to check your advance status
After requesting an advance, you can track its status in the Brigit app:
Open the app and navigate to the “Advances” section. You’ll see your pending advance with its current status. The status will show “Processing,” “In Transit,” or “Delivered.”
For Express Delivery, you’ll see “Delivered” within about 20 minutes.
For Standard Delivery, the status helps you understand where your transfer is in the processing pipeline.
You’ll also receive a notification once the money hits your account.
What if your money doesn’t arrive on time?
If your Express Delivery doesn’t arrive within 30-45 minutes, here’s what to do:
Check your bank account carefully—sometimes the deposit appears with a slight delay in showing up in your available balance. Verify you used the correct bank account in the Brigit app. Check if your bank has any service disruptions or outages. Contact Brigit support through the app if the money still hasn’t arrived after an hour.
For Standard Delivery, if your money doesn’t arrive within 3 business days:
Count only business days (weekends and holidays don’t count). Verify the bank account information is correct. Contact Brigit support if the funds are delayed beyond 3 business days.
In most cases, delays are caused by the user’s bank rather than Brigit.
How Brigit compares to other apps
How do Brigit’s delivery times compare?
Dave: Instant delivery in minutes (similar to Brigit’s Express), or 1-3 days for standard.
Earnin: Lightning Speed gets you money instantly for a fee; otherwise 1-3 days.
MoneyLion: Instant delivery available for a fee, or 12-48 hours for standard.
Chime SpotMe: Instant (since it’s overdraft protection, not a transfer).
Brigit’s delivery speeds are competitive with industry standards.
The 20-minute Express Delivery matches what most competitors offer, and the 1-3 day standard timeline is typical for free ACH transfers.
Tips for getting your money faster
Want to minimize wait times? Follow these strategies:
Request early in the day
For both delivery types, requesting advances in the morning (before noon) generally results in faster processing.
Banks process most transactions during business hours, so early requests catch the first processing window.
Choose Express when it matters
Don’t hesitate to pay for Express Delivery in genuine emergencies.
The small fee ($2-4) is worth it when you truly need instant access to cash.
However, plan ahead when possible to avoid unnecessary express fees.
Avoid weekends and holidays for standard delivery
If you know you’ll need money early next week, request it on Thursday with standard delivery rather than waiting until Saturday.
Weekend requests with standard delivery won’t process until Monday anyway.
Keep your bank account information updated
If you change banks, immediately update your information in the Brigit app.
Sending money to a closed or incorrect account causes major delays while the transfer bounces back and you resubmit.
Consider Premium membership for frequent Express users
If you find yourself needing Express Delivery regularly, the Premium membership ($14.99/month) pays for itself.
If you use Express Delivery 4-5 times per month at $3 per use, you’re already spending $12-15—Premium gives you unlimited free Express Delivery plus other benefits.
                 How to Get a Cash Advance from Brigit
                 How Much Money Can You Borrow from Brigit?
Final thoughts
Brigit offers two clear delivery options: Express Delivery in about 20 minutes for urgent needs, and Standard Delivery in 1-3 business days when you can wait.
Understanding these timelines helps you plan your finances better and choose the right delivery method for each situation.
For genuine emergencies, Express Delivery provides remarkably fast access to cash—often faster than driving to an ATM.
For planned expenses, Standard Delivery gets your money to you without additional fees.
The key is requesting advances early enough that you’re not constantly paying for express fees when a little planning would have made standard delivery sufficient.
Note: Delivery times are estimates. Actual delivery may vary based on your bank. Express Delivery fee applies for Plus members; included free with Premium membership.