Gerald: Cash Advance App 4+

Instant Cash Advance Bill Pay

Gerald Technologies, Inc

    • Free

iPhone Screenshots


Gerald is the ultimate financial app. With Gerald, you can take the stress out of paying bills, get the money you need for household expenses, manage your money and much more. Best of all, there are no credit checks, no interest, and no hidden fees. Our robust features include:

Overdraft Protection
Never deal with frustrating overdraft fees and late fees again. Sign up for an FDIC-insured account with Gerald and connect your billing accounts. If you’re short on funds, we’ll notify you right away and give you options get up to $215 overdraft instantly to make sure your bills are always paid on time. Unlike big banks, we don’t charge you an overdraft fee. You get overdraft protection included with our convenient checking account.

Disclaimer: Gerald does not offer loans. We are NOT a payday loan, cash loan, personal loan, or app to borrow money. By validating your employment you can access money you’ve already earned.

Bill Tracker

Keeping track of bills can be stressful and overwhelming. With Gerald, you never have to worry about missing a bill again! With our bill tracker, you can consolidate all of your bill accounts in one place. You can also set up autopay so you never have to worry about due dates. You can easily track all of your bills, including:

Auto Insurance
Life Insurance
Auto Loans
Medical Bills
And many more!

Personal Budget

Budgeting is one of the best ways to improve your financial situation. Of course, budgeting is also easier said than done. With Gerald, you’ll get comprehensive budgeting tools to help you stay on track, calculate spending for the month, and even improve your credit score! Just signing up for Gerald’s bill autopay can help your credit, since we send bill payment history to the major credit bureaus. If you want to improve your credit and get your budget on track, Gerald is the solution.

Leave Financial Stress In the Past

Download Gerald today to start changing your finances for the better. We’ll give you everything you need to stress less and enjoy your money more. Sign up today and we’ll get you set up in minutes.

*FDIC-insured up to $250,000.


What’s New

Version 2.26.1

Hello there,
We have released a new update for the Gerald app that includes bug fixes and performance improvements to ensure a seamless user experience. Please update the app to the latest version to take advantage of these enhancements.
Thank you for choosing the Gerald Wallet app, and we appreciate your continued support.

Ratings and Reviews

4.2 out of 5
7.5K Ratings

7.5K Ratings

kenz2333 ,

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.

ohhheyytaytayy ,

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 with the subject line "Attn Customer Support" to prioritize and for your issue to be re-assessed. Thank you.

OHensley ,

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 or chat with us so we can assist you properly.

Thank you!

App Privacy

The developer, Gerald Technologies, Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • User Content

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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