Gerald: Cash Advance App 4+

Underrated app, but decent

After I thought that I have downloaded all of the payday loan, or cash advance apps. I found this one which I never heard of. The first time I used it was pretty simple but then overtime it kind of got frustrating and every time I needed to request access I had to contact support. The downside of this is that everything is linked to a bank account and not a card so the processing time for you to have access to the money you sometimes have to wait. I also do not like the process to pay back the funds. It’s also linked through a bank account and it’s not instant. It also says you can link up an account through Venmo or cash app or PayPal, but it doesn’t really make sense when you can only see the routing and account number from the Gerald side. I think a recommendation for this app would be an instant transfer and more use of debit cards.

Poor service with limited support hours and drawn out resolution times

Got an email from their service saying approved for an advance (not a pre-approval but it actual approval with a specified dollar route down to the penny). The option to advance. It never showed up in my account even after purchasing their membership. It took their support three days to correct it so that it showed available by account. Even still, when I tried to use their instant feature that they advertised, it showed no options so I reached back out to support who informed me that it doesn’t work with all banks. I would maybe understand that if I used an obscure online or small local bank, but being that I use a large brick-and-mortar bank with over 1,100 branches spread across 11 states, I’d say that’s far from the case.

Further, their shady practice of asking me to rate my experience before I even got an answer much less a resolution that I can only assume was an attempt to mitigate me making this complaint now that everything‘s been finalized.

All in all I’ve tried a lot of these apps, and I have to say this would rates the lowest. You’re better off, going with their competitors. Dave, Bridget, Albert, Empower, Cleo, and Cash-App have all given me a far better experience in the past. At least they actually deliver what they promise and in a timely fashion. I tried this one because it was recommended to me and and gotta say I could not be more disappointed.

Developer Response ,

Hi, we are always looking to improve the experience for our users, and appreciate the feedback. Please contact us at iphonesupport@joingerald.com with the subject Attention Customer Support to further assist you.

Don’t waste you time

I really should’ve read the reviews before I downloaded this app because this app might be on the list of worst apps I have ever used. The very first time I used it I thought it was going to be simple. Even the first payback was simple. Within the times after that, they want to tell me it takes 1-3 business days for for payback, but then it could take up to 3 to 5 business days OR SOMETIMES LONGER. Which doesn’t include holidays or weekends. I understand the exclusion of holiday is the weekends, but when I’m telling you, my bank says the funds have been released and they have not been rejected how are you going to tell me that you still haven’t received the funds? Then, when I tried to cancel my account, because let’s face that I want nothing to do with this app ever again, I’m told that I can’t cancel my account until the funds have been cleared. Even when I send a screenshot from my bank showing you got the payment has been released you’re telling me you still don’t have a payment? How does that make sense? then, of course, there is no number to call to speak to a live representative. You can only speak via email or chat and the people on the chat could not be any less helpful. This app and everything to do with it, the employees especially are a joke.

Developer Response ,

Hi there, I'm very sorry for the negative experience that you encountered. We would like to assist you further on this. I know you contacted us already but please send us an email at support@joingerald.com with the subject line "Attn Customer Support" to prioritize and for your issue to be re-assessed. Thank you.