Gerald
Smart banking app offering cash advances and buy now, pay later for household essentials.
Gerald is a consumer fintech app that offers short-term cash advances and buy now, pay later options for household items and bills. It states that it charges no interest, no fees, and no late charges. Cash advances range from $40 to $200 and are subject to approval; users link a debit card associated with their connected bank account to use advances. The service also includes store rewards and a play-to-earn feature.
The app provides Buy Now, Pay Later for purchases on its Cornerstore store, plus free bank transfers of cash advances. A portion of an advance must first be used for a Cornerstore purchase before the remaining balance can be transferred to a bank account. Store rewards can be earned by repaying on time or by playing games and completing in-app tasks, and can be applied toward purchases. Gerald is available on Google Play and the App Store, and is described as a financial technology company rather than a bank.
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