Dozens of Gerald users in recent months have shared their experiences, and overall, they suggest that users can count on the app. Here's what they have to say:

• There when needed: Many users mention that Gerald helps them out when they're "in a pinch" or "in a bind," providing assistance when no one else will.
• Great customer service: Several users praise the customer service, specifically highlighting representatives like Mark and Gerard who went "above and beyond" to resolve issues quickly and effectively.
• Helpful between paychecks: Users appreciate that the app helps them in between paychecks, providing advances that make life easier.
• Limitations on usage: One user complains that the app forces them to spend money on things that aren't necessary, making it unhelpful when needing an advance for important expenses like rent.

Still, the dominant theme is clear: most users see Gerald as a dependable option that's there when they need it, backed by a supportive customer service team.

Users report that getting the maximum $80 cash advance from Gerald isn't as straightforward as it seems. Here's what we've found:

• Low advance amounts: Many wish they could access more funds, finding the current advances too low when they're in a pinch.
• Purchase requirements: Some mention you have to make purchases from specific stores with your "advance," reducing the actual cash you receive and possibly adding extra costs like shipping.
• Limited transfer options: Transfers are only available on certain business days, which isn't ideal if you need money quickly. Despite some appreciation for the assistance, the main issue among users is the limitations and conditions attached to Gerald's cash advances. If you're expecting an easy $80 in your pocket, you might need to manage your expectations.

Even though Gerald is a legit company, we found over 40 recent reviews describing the service as scammy (out of hundreds we analyzed). About 30 explicitly call the service a “scam”, “fraud”, or “con artist” while others report forced charges or hidden fees that made them feel deceived.

The main issue is that users are required to spend a large portion of their approved cash advance on overpriced items in Gerald's store before accessing the remaining funds. Many feel tricked into buying unwanted products with high shipping fees, and some say they never received the promised cash even after making purchases.

Users also mention unwanted charges, difficulties canceling accounts, poor customer service, and concerns about data misuse. The overarching theme is that people feel misled and financially harmed, often due to unexpected fees and an inability to resolve problems with the company.