By Editorial Team
Last Updated: Jun 13, 2025
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Gerald is a cash advance app that lets you access up to $80 instantly with no fees, interest, or hidden costs. Instead of charging fees, Gerald requires you to spend part of your advance on purchases within their store, Gerald's Cornerstore, or on mobile plans.
To get a cash advance, you need to link your bank account and debit card and provide your employment and income information. You must also have previously used Gerald's Buy Now, Pay Later service and meet minimum spending amounts on purchases in their Cornerstore. The application process is quick, and approval decisions are made promptly.
To be eligible, you must be at least 18 years old, provide valid identification, and have a reliable source of income. Gerald Technologies, Inc. is a financial technology company based in New York and claims to be backed by Y Combinator.
Yes, Gerald offers cash advances of up to $100 with no interest, fees, or hidden charges. To access a cash advance, you'll need to use a portion of it for purchases in Gerald's Cornerstore or on mobile plans through their Buy Now, Pay Later service. There are no subscription fees, and repayment is scheduled for your next payday via automatic debit from your linked bank account. You'll repay exactly what you borrowed, and while there are no late fees, not repaying on time might affect your ability to get future advances. Transfers are instant and free once you meet the purchase requirement.
To qualify for a cash advance from Gerald, you need to meet the following criteria:
Gerald will then determine your eligibility and the maximum cash advance they can offer, ranging from $10 to $80, based on their approval and company policies.
On top of the cash advances that Gerald offers, there are a few other features that you might find useful.
With Gerald's Buy Now, Pay Later feature, you can shop for essential items in their Cornerstore without paying anything upfront. It lets you purchase what you need now and pay it back later with flexible repayment options. There's no interest, no fees, and no late charges, making it a convenient way to manage your expenses. Plus, when you make a purchase using a BNPL advance, you can unlock free instant cash advance transfers. Keep in mind that to access cash advances, you're required to use a portion of the advance for purchases within Gerald's store or on a mobile plan.
If you're in need of a new mobile plan but want to avoid upfront costs, Gerald has you covered. You can access mobile phone plans through Cranberry Mobile without paying anything upfront and even keep your existing number. Powered by reliable networks like T-Mobile and AT&T, these plans ensure you stay connected without the immediate hit to your wallet.
Gerald offers a fun way to earn rewards while managing your finances. By repaying your advances on time, you can earn store rewards that act as free money for future purchases. You can also play games and complete tasks within the app to earn coins, which can be redeemed for more rewards in Gerald's Cornerstore. It's a great way to make the most of your free time and get a little extra back.
Worried about overdraft fees or missing bill payments? Gerald provides tools to help you manage and pay your bills on time, helping you avoid unnecessary fees and charges. By keeping track of your bills within the app, you can gain better control over your finances and ensure everything is paid when it's due.