Gerald offers cash advances from $10 to $80 without any interest, fees, or credit checks. To access these funds, you'll need to spend a portion of your advance on purchases through Gerald’s Cornerstore or on a Cranberry Mobile prepaid phone plan. Once you've met this minimum spend requirement, any remaining funds can be transferred to your bank account for free.

The cash advance can be available in as little as 30 minutes, making it handy for immediate needs. Repayment is straightforward—you simply pay back the advance on your next payday, and timely repayments can earn you store rewards. There's no need to worry about hidden charges since Gerald doesn't ask for tips or impose subscription, transfer, or express fees.

While the requirement to spend part of your advance within the app might not fit everyone's needs, Gerald could be a helpful option if you're planning to make essential purchases or switch to a new mobile plan without upfront costs.

Gerald might work well for you if:

• No fees: You want cash advances without any interest rates, fees, or hidden charges
• No credit checks: You prefer to avoid credit checks that could impact your credit score
• Instant access: You need immediate access to funds between $10 and $100
• Flexible options: You're interested in buy now, pay later services for essentials or mobile plans
• Earn rewards: You enjoy earning rewards through app activities that can be used for purchases

When Gerald might not be a good fit:

• Mandatory purchases: If you don't want to be required to spend part of your advance on Gerald's store or mobile plans
• Small advance amounts: If you need cash advances larger than $100
• Verifiable income needed: If you can't provide verifiable income and employment information

There are a few main criteria to qualify for a cash advance with the Gerald app:

1. Personal Information: Provide all required personal and financial details as requested by Gerald.
2. Verifiable Income: Have verifiable employment and income to meet financial requirements.
3. Debit Card Verification: Complete Gerald's debit card verification, which may involve a temporary hold of up to $1 on your card.
4. Spend with Gerald: Use a portion of the cash advance for purchases through Gerald's Cornerstore or towards a mobile plan with Cranberry Mobile.
5. Advance Reassessment: Repay your advance or wait 30 days if unused to be eligible for a new cash advance.
6. No Credit Checks: No credit checks are required for approval.

Gerald will then determine your eligibility and the maximum cash advance amount you qualify for, which can be up to $80.

You will typically receive your cash advance in your bank account within 2-3 business days with the standard transfer.

If you need the money sooner, you can opt for the expedited transfer and get your funds in as little as 30 minutes. The best part is, Gerald doesn't charge any fees for expedited services—so you can access your money quickly without any extra costs.

With Gerald, repayment occurs on your next payday, and the borrowed amount is automatically deducted from your paycheck. Keep in mind that:

1. Payment plans: you can set up a simple and painless payment plan to repay the advance.
2. No fees or interest: there are no fees or interest when repaying; you just pay back the amount you borrowed.
3. Earn rewards: repaying the advance on time earns you store rewards.

Besides the instant cash advances, Gerald offers a few other features that can help you when you're short on cash.

Buy Now, Pay Later

Gerald lets you purchase essential household items and mobile phone plans without paying anything upfront. Through Gerald's Cornerstore, you can shop for necessities and choose flexible payment terms with no interest, fees, or late charges. If you're looking for a mobile plan, you can get one through Cranberry Mobile, keep your existing number, and enjoy service powered by T-Mobile—all without an initial payment.

Earn Rewards

You can earn rewards just by engaging with the Gerald app. Play in-app games, complete tasks, or fill out surveys to accumulate points. These points can be converted into Gerald's Store Rewards, which you don't have to pay back. Use your rewards to buy household essentials from Gerald's Cornerstore. Plus, by repaying advances on time and staying active in the app, you can earn even more rewards.

Extra Financial Tools

Gerald also offers additional features to help manage your finances. You can organize your bills within the app, take advantage of overdraft protection to prevent fees, and access a portion of your paycheck early if needed. Best of all, there are no hidden fees—no interest rates, subscription fees, transfer fees, tips, or express fees. Everything is designed to be transparent so you can have peace of mind.