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What is a cash advance?

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What is Shop Now Pay Later?

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Gerald Vs. Moneylion

What’s the Difference?

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People have plenty of options when it comes to finance apps, but some are more well-rounded than others. If you need an app that can help you get your money under control, Gerald is the solution. This app is a great alternative to apps like MoneyLion. While MoneyLion offers many similar features, Gerald’s features are more robust.

For instance, Gerald and MoneyLion both offer cash advance options. However, MoneyLion requires you to build up your cash advance capabilities and requires you to have a RoarMoney account to maximize your advance potential. Gerald simply offers instant cash up to $100 or half your paycheck early. Interested in learning more about the differences between the two apps? Read on to learn more!

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A Brief Overview

Gerald is an app that can truly provide financial breathing room and reduce some of your money stress. It does this with a full suite of features that are designed to help you get your finances manageable and under control. You have options for cash advances, bill tracking, overdraft protection, online banking and more. 

With our app, you can make your finances as simple as possible. You don’t have to keep track of your bills when this financial app is doing it for you. If you’re short on money for your monthly bills, just request a cash advance and make sure they’re covered. These are just a few of the reasons Gerald is the superior finance app.

Why People Choose Gerald

People choose our financial app because it offers them real, tangible solutions to help with the stress of money management. MoneyLion provides features for budgeting tips, cash advances and investing, but this isn’t always enough. Gerald’s full suite of financial features can help you get your money back on track. People choose our app because we’re constantly improving our offerings to meet the needs of our users best and better serve them. Here are some of the features our customers like most:

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Remove the Stress of Paying Your Monthly Bills

Paying your bills is always a hassle. When you’re struggling to pay bills, it can be especially frustrating to deal with late fees or overdraft charges because you missed your due date. That’s where Gerald’s bill-tracking features come in. With Gerald, you can take the stress out of paying your monthly bills. 

Gerald makes it easy to connect all of your billing accounts and consolidate them in one place. You can then set up notifications to let you know when a bill is coming up. Set up your notifications to tell you a week ahead of time, a day ahead of time or whatever timeline works best for you. If you want to automate things even further, you can just set all of your bills on autopay and let Gerald take care of the rest.

Never pay another late fee again with our bill tracking. Also, Gerald makes it so you can get notified when you’re short on funds for the month. When that happens, you can take advantage of our next feature.

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Obtain an Interest-Free Cash Advance

When you need extra money to cover your monthly expenses, don’t turn to a predatory payday loan company. Get an interest-free cash advance with Gerald instead. With our app, you can get your cash advance instantly. Best of all, there are no hidden fees or insane interest rates to worry about. Gerald’s cash advance feature also doesn’t require a hard or soft credit check, so your credit score isn’t affected.

Payday loan companies are a hassle and then you end up paying much more than you intended. You never have to turn to these companies again when you have Gerald on your side. We’ll give you the breathing room you need without putting you further in debt. You’ll have plenty of time to pay us back too, so you don’t have to stress more about the money you owe. Also, we give you two convenient options for your cash advance:

  • Request up to $100 instantly. You’ll get your money in your account right away so you can pay your expenses. It’s that easy, and there are no hidden fees to worry about.
  • Get up to half your paycheck early. Waiting for payday isn’t always convenient, so just ask for half your money early through Gerald. We’ll provide you with the funds, and you’ll get the rest of your paycheck when payday comes around. It’s your money, so why not get it when you need it?

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Get Built-In Overdraft Protection so You Won’t Pay Late Fees

There’s nothing more stressful than getting an overdraft charge when you’re already worried about your finances. With Gerald, you get built-in overdraft protection to leave those overdraft charges and late fees behind. Our account even provides you with cashback and rewards.

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What Customers Are Saying about Our Cash Advance App

If you’re on the fence about using Gerald, there’s no need to hesitate. There are plenty of customers that can attest to our intuitive financial features. Check out what some of our customers are saying about our buy now pay later app below:


"I Love this app! You’re given an overdraft amount to pay bills or u can convert your overdraft to cash, which deposits directly into your selected bank account. The app is easy to use and has quick registration. See for yourself! – Juliana Hays"

"Very easy to navigate and understand the app. Easy to move money and excellent communication from the app about what’s going on with your bank account. – Kayla Line"

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Frequently asked question

Have more questions about Gerald and its features? We have the answers for you. Check out our FAQ answers below or feel free to reach out to our support team with any other questions you may have.

How is Gerald different from other bill trackers?

What makes Gerald a popular MoneyLion competitor?

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Download the App
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Get Started!

You don’t have to stress about bills or pay late fees every month. When you have Gerald helping with bill tracking and cash advances, you can get the financial peace of mind you deserve. Getting started is easy. Just download our app on the Apple App Store or the Google Play Store. Once you’ve signed up for your account, you’ll be able to make your first request. Use Gerald today to start making finances easier.

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©2024 Gerald Technologies, Inc. Made with ❤️ in NY

Gerald Technologies is a financial technology company, not a bank.

1 Not every user is eligible for advances, with amounts ranging from $30 to $100, contingent on Gerald's approval and company policies.

2 Advances provided by Gerald are in three forms: 1) Cash advances (transfers to a bank account), 2) Shop Now Pay Later, and 3) Mobile plan advances.

3 Shop Now Pay Later advances are available for purchases made on Cornerstore. Mobile plan advances are applicable to mobile plans via Cranberry Mobile.

4 To access some features, such as transferring a cash advance to a bank account, users must first use a minimum portion of their advance for purchases on Cornerstore or Cranberry Mobile plans. Once this minimum amount is met, the remaining advance balance can be transferred to a bank account.

5 To utilize advances, either as a cash advance, a mobile plan advance, or via Shop Now Pay Later, users must link their debit card associated with their connected bank account. Gerald conducts a debit card verification process, usually instant but may take up to 1 business day depending on the banks eligibility. A temporary hold of no more than $1 is used for the card verification process and is immediately released.

6 Advances are reassessed upon repayment of the previous advance or after 30 days if unused.

7 Users ineligible for a automatic advance have the opportunity to accumulate points that can be converted into store rewards.