How does Gerald cash advance work?

Download Gerald on your phone and follow these steps:

1. Sign up: Create your Gerald account using your email and phone number.
2. Link bank account: Connect your existing bank account to the app.
3. Use BNPL feature: Start using the Buy Now, Pay Later option for bills or purchases to build a financial history.
4. Build history: Make timely payments to establish positive usage history.
5. Request advance: Once eligible, request a cash advance up to $100.
6. Verify information: Provide any necessary employment and income verification.
7. Receive funds: Get approval without credit checks and transfer the funds to your bank account.
8. Repay automatically: Gerald will automatically deduct the repayment from your bank account on your next payday.

You will get the money in your account instantly with Gerald using the free standard transfer. There are no fees for transferring funds, including instant transfers for eligible users. To access a cash advance, you'll need to use a portion of it for Buy Now, Pay Later purchases at Gerald's store, Cornerstore, or on a mobile plan. This means you'll spend part of your advance on purchases within their store.

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

• Quick and helpful service: Over 30 users praise the fast and efficient customer support and quick funding, often noting how easy the process was and how quickly they received their advances.
• Slow funding for others: About 20 users report delays in receiving funds, with some waiting several days to over a week despite expecting faster transfers.
• Instant transfer issues: Several users mention that the instant transfer option isn't working or available, leading to frustration when funds are needed immediately.

Overall, while many users are satisfied with Gerald’s quick service, a significant number express frustration over delays and issues with funding speed.