How does Gerald cash advance work?

Download Gerald on your phone and follow these steps:

1. Sign up: Create an account by providing your basic information.
2. Link debit card: Connect your debit card from your bank account to Gerald.
3. Verify card: Complete the debit card verification process (may take up to 1 business day).
4. Make a purchase: Access Cornerstore and make a BNPL purchase or buy a Cranberry Mobile plan.
5. Unlock advance: Spend the required minimum on purchases to unlock the fee-free cash advance feature.
6. Request transfer: Request to transfer the remaining cash advance balance (up to $200) to your bank account.
7. Receive funds: Receive the cash advance, which may be instant for select banks.

You can receive your cash advance instantly to your bank account with Gerald, and there are no fees involved. Gerald provides instant transfers at no extra cost, so you can access your funds whenever you need them.

Out of hundreds of reviews published in June and July 2025 that we analyzed, we found 50+ recent comments mentioning funding speed. Here's what users say about it:

• Fast for many: Over 20 users appreciated how quickly they received advances, often calling the process “fast”, “easy”, or saying funds arrived “just in time”. Many also praised the prompt and helpful customer service.
• Delays for some: About 15 users complained of delays in receiving funds, with some waiting several days or even weeks despite expecting quicker transfers. A few mentioned that the “instant” transfer option was unavailable or didn't work.
• Required spending: Several users were frustrated by having to spend part of their advance on purchases from Gerald's store, sometimes on items they didn't want or found overpriced.

Overall, while many users are happy with Gerald's funding speed and customer service, others have experienced delays and issues with advance requirements.