Is the Gerald Cash Advance App Legit?
Gerald is a real company established in 2018 and is the Y combinator's -back, but its reputation is mixed -halong.
As it promises to advance cash free of charge, many users report issues such as delayed transfers, failure to spend in-app expenditure and unassuming customer support. The Better Business Bureau gives Gerald an F rating, citing many unresolved complaints.
So, while Gerald is not a scam, it is wise to consider the other cash advance options before downloading the app.
Compare Gerald Cash Advance App to other apps
If you want to see how Gerald compares to other cash advance apps, see what its competitors will offer in the chart below.
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Where the Gerald Cash Advance app is falling
Cash advance values are rather small, with a $ 80 max, while the other app leads to $ 250, $ 500, $ 750 or more. Plus, you will not accept the full amount you have approved. Instead, you need to spend a portion of your cash advance on the Gerald app by buying items on its foundation or buying a prepaid cell phone plan via cranberry mobile.
If you choose to buy something at the cornerore, be prepared for high prices. You can also pay for shipping, which eats more in your cash advance, left you little to move to your bank. And if you don't like the item you bought, you're a bit stuck here. According to Gerald's terms of service, there is no return policy and sales are final.
But those are not the only issues with the Gerald app. Many customers report that the app does not work as appropriate, and they have received repeated error messages. And if you run into the problem, good luck contact the customer service. According to some reviews, they can be difficult to reach.
What makes the Gerald Cash Advance App popular?
Gerald stands by offering cash advances without interest, fee or even transfer charges (if your bank allows it). That is a great change from other apps that can tackle on subscription fees, express transfer fees or tip requests. It also skips the credit check, which makes it a good choice if you have a bad or limited credit.
You can get your money quickly, also, sometimes within minutes after making a qualified purchase if your bank supports instant transfers. Even the slower banks are still getting you cash faster than many other apps.
And if you can't pay for it right away, Gerald will not report it to the credit bureaus or send it to the debt collection. Just know that you will never borrow again until your balance is paid.
Gerald Cash Advance App Details
| Loan value | $ 10 to $ 80 |
| Loan term | Up to your next payday |
| Twist time | Once on the same day |
| Costs | No subscription or transfer fees. You should spend a percentage of your cash advance on Gerald's Cornerstore or Cranberry, its mobile phone plan. |
| Requirements | Be at least 18 years of age Living in the United States Have a security number in the US Have a mobile phone number with a US -based provider Connect to a bank account at least 3 months old with a positive balance Display regular payroll deposits of at least $ 100 Have a history of leaving bank money a few days after you get paid and always paying fees |
Gerald Cash Advance App Contact Info
| Support@joingearld.com | |
| X, Dating Twitter | @joingerald |
| @joingerald |
How to qualify for the Gerald Cash Advance App
If you consider taking a cash advance through the Gerald app, here are the requirements you need to meet to qualify:
- Be at least 18 years of age
- Live in the United States
- Have a social security number
- Have a cell phone number from a US provider
- Connect the app to a bank account that has turned at least 3 months
- Have a positive balance in your bank account
- Continue to receive payroll deposits of at least $ 100
- Regularly keep money in the bank some days after payday
- Show a history of payment of fees
Other features
Gerald may be known primarily for cash progress, but it offers many other features, including:
- Play to earn. Earn coins by playing games, completing surveys or watching ads in the Gerald app. When you accumulate at least 500 coins, you can redeem them for a cash advance.
- Mobile phone plans. Gerald offers prepaid mobile eSim plans through Cranberry Mobile, which is powered by T-Mobile and AT&T.
- Buy now, pay later (BNPL). Buy important households by Gerald's Cornerstore and pay later without interest or fee.
Gerald Cash Advance App Review and Complaint
| BBB accredited | No. |
|---|---|
| BBB rating | F |
| BBB Customer Reviews | 1.05 in 5 stars, based on 22 customer reviews |
| BBB customer complaints | 63 Customer Complaints |
| App Store points | 4.2 out of 5 stars, based on 13,600 Customer Reviews |
| Google Play Score | 4 out of 5 stars, based on 4,290 customer reviews |
| Customer reviews are proven as of | 19 April 2025 |
Gerald continues to earn low ratings on the Better Business Bureau (BBB) website and has received 63 official complaints over the past three years. It also has a F rating on the site as it regularly fails to resolve customer complaints.
The complaints include buying overpriced products with cash advance, high shipping rates, not receiving approved advances, money transfer problems and not reaching customer service. Many previous customers have labeled the app of a scam and call for it to remove from the App Store.
Google Play ratings and the App Store are more balanced, but few people leave positive comments. Those who cite the benefit of the customer service team. Negative reviews are touching the same issues that customers have brought to the BBB site. They also say that the app is a waste of time and ordinary messages. Some even call it “worst app ever.”
What do people say in Reddit?
There are some comments about Gerald on Reddit – none of them are positive. Most of the comments are in response to Redditors looking for less known cash advance apps to borrow. A commentator mentioned Gerald as a possibility, so many previous customers have been piped to warn the OP against it. The factors for not recommended the app include the availability of buying items in the store, high prices and that the app does not work properly.
Often asked
Is Gerald Cash Advance App Free?
Yes, the Gerald app is free to download from either Google Play or the App Store. Cash advances are also free, but you need to buy something from the app store or use a portion of it with a prepaid phone plan.
How does Gerald Cash Advance work?
You can be approved for a cash advance up to $ 80 after downloading the Gerald app, creating an account and connecting the app to your bank. No subscription fee is required, but you must spend a cash advance part either in the corner (app store) or the cranberry (the prepaid phone plan). Then, you can move the remaining amount to your bank account. Payment is made automatically on your next payday.
How long is Gerald Cash Advance?
Gerald says cash progress can be received on the same day, but customers report transfers transfers – up to a few business days.
How much money do you get from the Gerald Cash Advance App?
Gerald has approved cash advancing from $ 10 to $ 80. But keep in mind that you will not really receive the full amount – Gerald is asking you to spend some cash advance on its ecosystem by buying products or paying for prepaid wireless.
What happens if I don't pay a cash advance from Gerald?
If you do not pay a cash advance from Gerald, you will not be charged with any late fees, interest charges or penalties. In terms of its use, the company said it does not report to any credit agencies, engage in a debt collection or sell a third party, so your credit must remain injured. However, you will not be able to take any further progress until the remaining balance is paid.
