How much does Gerald let you borrow?

Based on the user reviews we've analyzed, it seems that getting the $200 maximum advance advertised by Gerald might not be so straightforward. Our data comes from reviews published in July 2025, offering the latest insights into Gerald's current practices. The consensus appears to be:

• Small advance amounts: At least 7 reviews mention being approved for only $35 to $50, which is far less than the promised $200.
• 'Cornerstore' requirement: Many users report that a significant portion of their advance must be spent in Gerald's in-app 'Cornerstore', often on items they don't want.
• Limited cash access: Users note that only a small fraction of the approved amount can be transferred to their bank account, with the rest tied up in 'Cornerstore' purchases.

Despite a couple of positive comments about Gerald's service and customer support, the main takeaway is frustration over low advance amounts and the obligation to spend part of it in the 'Cornerstore'. If you're hoping for a $200 cash advance deposited into your account, you might want to manage your expectations—according to most folks here, you'll likely receive a smaller amount with some strings attached.

Many Gerald users have expressed frustration with the cash advance process, especially the requirement to spend part of their advance in the app's corner store. This setup means you have to purchase items before accessing the full cash advance, which can be challenging when you need immediate funds.

To potentially get a bigger cash advance on Gerald, it seems that actively using the corner store could influence your eligibility. Some users suggest that making more purchases through the app might increase the amount you're approved for, though this isn't always certain.

Be aware that some have found the corner store items to be overpriced, and delivery times can be inconsistent. Keeping a good repayment history might also help, and reaching out to customer support could provide additional guidance.