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.

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.

Customer service does not help

Final update: After a few weeks of trying to contact Gerald due to an error in their system. I was offered assistance and asked to update my review after the issue was finally resolved. As promised this is an updated review of my experience. The idea of the app is good but the customer service needs to be revisited.

Update: while your team has responded after three weeks of trying to contact them, the issue has not been resolved. I assured your team as soon as the issue is resolved I would update my review. I can still not move money to the app to pay the balance but was told it would automatically process tomorrow. If this is the case tomorrow I will be happy to update my review. Thank you.
Their customer service does not reply to you. They have bots that send the same generic messages over and over but do not actually help you. I have been trying to contact customer service for 3 weeks. My repayment was scheduled for September 30th and still has not processed because it says there is an error. I have emailed the support team 3 times now in the last three weeks with no reply!!

Developer Response ,

Hi there,

Upon checking, our engineering team responded to your concern and has made a resolution already. If you have further questions, please email us at @support@joingerald.com or chat with us so we can assist you properly.

Thank you!