Cash Advance Apps
How much does Gerald let you borrow?

How much does Gerald let you borrow?

By Editorial Team
Last Updated: Jun 13, 2025

Gerald offers cash advances of up to $100, but the amount you can borrow depends on your eligibility. New users typically have access to advances ranging from $10 to $80. To qualify, you need to be at least 18 years old, have a reliable source of income, and provide valid identification.

An important thing to note is that Gerald requires you to have previously used their Buy Now, Pay Later (BNPL) service for bills or purchases, including shopping on Gerald's Cornerstore. Meeting the minimum spending thresholds with the BNPL service is part of their eligibility criteria. Your responsible usage history with Gerald's services also plays a role in determining how much you can borrow.

Table of contents

Does Gerald actually send you $100?How to get a bigger cash advance on Gerald?

Does Gerald actually send you $100?

Based on numerous user reviews we analyzed, it seems unlikely that the average customer will receive the full $100 cash advance advertised by Gerald. Our data is drawn from reviews published up to May 2025, providing the latest insights into Gerald's current practices. The general consensus is that:

  • Helpful customer service: Some users mention positive experiences with Gerald’s customer service, appreciating their responsiveness and willingness to help.
  • Advance tied to purchases: Many users report having to spend a significant portion of their approved advance in Gerald's in-app store before accessing any cash. This means that even if you’re approved for $50, you might only get $15-$25 in actual cash after making required purchases.
  • Low cash amounts: Several reviews mention being approved for low amounts like $35 or even as low as $3, with restrictions on how much can be transferred to their bank accounts.
  • Hidden costs and delays: Users are frustrated with additional costs like high shipping fees on required purchases and delays in accessing the remaining cash portion of their advance.

While there are positive notes about the app's products and customer service, the predominant feedback suggests that getting a straightforward $100 cash advance from Gerald is challenging. If you’re looking for quick cash, be prepared to navigate purchase requirements and potentially receive less cash than expected.

App reviews talking about Loan Amounts:
"...GOOD LUCK getting an advance, Gerald will give you $50-$60 to start off BUT you have to spend half or more than half of that in order to unlock the cash advance..."
"...I was approved for a $50 advance, they only allowed me to transfer $19 of it to my checking account, and the rest, I had to use in their Cornerstore..."
"...I got approved for 58$ then all of a sudden I had to spend 38 of the 58 on cornerstone or cranberry..."

How to get a bigger cash advance on Gerald?

Many Gerald users have found it challenging to get a bigger cash advance on the app. A common concern is the requirement to spend a significant portion of the approved advance in Gerald's Cornerstore before accessing the remaining cash. This approach often leaves users with less actual cash on hand when they need it most.

To potentially increase your cash advance amount on Gerald, maintaining a good repayment history might help, but users report mixed experiences. Some have noted that even with timely repayments and regular use, their cash advance limits haven't increased as expected. The criteria for limit increases aren't clearly outlined, and customer support responses haven't always provided clarity.

If you're aiming for a larger cash advance on Gerald, it might be worthwhile to explore other apps that offer more straightforward access to funds without mandatory in-app purchases. Finding a service that aligns better with your needs could provide the financial flexibility you're looking for.