By Editorial Team
Last Updated: Nov 13, 2025
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We went over the latest 1100 Gerald app reviews in November so you don't have to, and summarized them to tell you what users really think! 🧐
Gerald carries a solid 4.2 lifetime rating drawn from roughly 26k+ user reviews (19k+ on the App Store and 6.6k+ on Google Play). Recent feedback clocks in slightly lower at 4.1, based on reviews from November 2025. Next up, we’ll break down where Gerald shines, the hiccups users mention, and the overall vibe across platforms.
4.2
26K Reviews
Google Play
4.1
7K Reviews
iOS App Store
4.3
19K Reviews
On this page
Table of contents
Users say
Users like that a rep will usually answer fast and can bump a due-date or unlock the transfer for them, but the way the app works is the big talking point. To get any money you have to buy things in Gerald’s Cornerstore first – most reviewers say around 60-75 % of the “advance” goes toward those marked-up items (plus a $10-ish shipping fee), leaving maybe $15-$25 to send to a bank a day or two later. Lots of people complain the products arrive weeks late, never show up, or can’t be refunded and that the app keeps retrying card or bank-link “verification.” Mix in surprise auto-buy charges, occasional account lockups and a few claims of being billed after canceling, and the overall vibe is helpful support wrapped around a shopping-heavy, small-cash-leftover model many find misleading.
👎Advertising Accuracy
👎Fees & Costs
👎Subscription Cancellation
👎Subscription Model
👎Bank Compatibility
👎Approval Process
App Stability
👍Funding Speed
👍Customer Support
👍Repayment Terms
👍Reliability
👍Ease of Use
What users like most
Customer Service
Many users praised the customer service, highlighting representatives like Jubelle, Rod, and Stephanie for their helpfulness and quick responses.
Ease of Use
The app is described as easy to navigate and user-friendly, making it convenient for users to manage their financial needs.
Repayment Flexibility
Users appreciated the flexibility in repayment terms, with the ability to extend repayment dates when needed.
Common complaints
Forced Purchases
Users were frustrated with the requirement to purchase items from the app's store to access cash advances.
Delayed or Missing Orders
Many users reported issues with orders not being delivered on time or at all, leading to dissatisfaction.
Scam Concerns
There were numerous complaints about the app being a scam, with users feeling misled about the cash advance process and hidden fees.
Summary by feature
Positive
2%
Negative
98%
Many users complain about Gerald's misleading advertising, as the app is marketed as a cash advance service but requires users to spend a significant portion of their advance in an overpriced online store before accessing any funds. This practice is seen as deceptive, with several users expressing frustration over the inflated prices and the lack of transparency about these conditions upfront. The sentiment is overwhelmingly negative, with users feeling misled and dissatisfied with the service.
App reviews talking about Advertising Accuracy:
"...they never explain services upfront, they just assume that you read fine print!...False advertisement!"
"...you have to spend over half of it in their marketplace. FYI their marketplace is just Amazon that they've jacked up the price..."
"...you have to buy something before you can get a cash advance. Deserves reporting."
Gerald customer service
Examining how Gerald replies to user complaints reveals much about their customer service philosophy. You'll see whether they actively respond to complaints and take a user-first approach, or tend to shift blame onto the users. This analysis aims to provide a comprehensive understanding of their commitment to customer satisfaction.
Roughly one-fifth of recent reviews are complaints, and support responds to almost 90% of them, meaning most unhappy users do hear back. While close to half of the complaints are pretty harsh, about eight out of ten replies actually give clear next steps, with just a small handful sounding dismissive or copy-paste. The tone isn’t always perfect, but users can generally expect a timely, helpful answer.
Here are the detailed metrics:
3/5
Customer Service Score
Based on recent 400 app review replies
⚠️
Complaints severity
43%
Ignore rate
11%
Negative tone
7%
Other apps like Gerald
Select...
4.2
26K Reviews
Monthly fee
Free
Advance amount
$40 - $200
Eligibility
Need verified income, three-month healthy deposits, and previous Gerald advance.
Features
Cash advances to $200, Buy now pay later shopping, Mobile plan financing, In-app bill management
3.5
40K Reviews
Monthly fee
$2.47
Advance amount
$5 - $1000
Eligibility
US adults with verified income, healthy deposits pass Beem's review.
Features
Instant $1,000 advances, 5% savings wallet, Credit-builder card, AI budgeting, Up to 10% cash-back
4.7
606K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Adults in eligible states with active, steady-income account qualify responsibly.
Features
Cash advances, credit-builder line of credit, revolving credit, automatic savings, credit score monitoring
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