Gerald: Cash Advance App vs Clair Uso & Estadísticas

Experience the power of smart shopping and instant financial flexibility. Use your approved advance to buy household essentials and everyday items from Gerald’s Cornerstore. With no credit checks, interest, or hidden fees—and the added benefit of a Free Cash Advance transfer—Gerald makes it easy to get what you need, exactly when you need it. POPULAR FEATURES: Buy Now, Pay Later with Advance - Running low on cash? Use our Buy Now, Pay Later feature to shop a wide range of products from Gerald’s Cornerstore, whether it's everyday essentials, personal items, or even a mobile phone plan. A better alternative to traditional Buy Now Pay Later apps, it allows you to make important purchases without the burden of upfront costs. Instant FREE Cash Advance Transfer -Access a quick cash advance that you can transfer directly to your bank account, ideal for added flexibility and financial peace of mind. Get help when you need it—without interest rates, fees, credit checks, or subscriptions. *CASH ADVANCE TRANSFER IS ONLY AVAILABLE TO CUSTOMERS WHO PURCHASE ITEMS USING A PORTION OF THEIR ADVANCE FROM GERALD’S CORNERSTORE AND MEET THE REQUIRED MINIMUM ADVANCE SPEND THRESHOLD. INSTANT TRANSFER IS ONLY SUPPORTED FOR ELIGIBLE BANKS. Mobile Phone Plan Advance - Choose your mobile plan and utilize Buy Now, Pay Later to get reliable service without the upfront costs. Users can keep their existing phone numbers. Gerald’s Cranberry Mobile is powered by T-Mobile. Store Rewards - Earn rewards to spend on Gerald's e-store, Cornerstore! Pay your advance on time and get a percentage back as a reward for future purchases. Best of all, store rewards don’t need to be paid back! Play To Earn - Turn free time into reward time! Play fun games, Collect points, and redeem them for Gerald’s Store Rewards to fund a future purchase. WHY CHOOSE GERALD? Gerald is on a mission to empower individuals and families by providing easy access to recurring and essential household products at affordable prices. Join us at Gerald and experience a new way to shop for your recurring and essential household needs, where your financial well-being is our top priority. Shop smart, save more and embrace a brighter future with Gerald! Download the app to get started today. LEGAL DISCLOSURE Gerald does not offer loans. Gerald is 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. Gerald's advance service comes with no minimum or maximum repayment time frame requirements. (*)Advances have no mandatory min or max repayment period. No interest rate or APR (0% APR or interest). For more information please see Gerald's terms and use: https://joingerald.com/legal/terms-of-use. Gerald is not affiliated with loan apps, money apps, or any similar apps. EXAMPLE SCENARIO If you are approved for a $100 advance, you’ll be required to use a specific portion of that advance on our e-store (i.e. Cornerstore) or on a mobile plan (i.e. Cranberry Mobile). Once this threshold has been met, you can then transfer the remaining balance of the advance to your bank account with no fees attached. For example, if you’re provided with a $100 advance, you may need to allocate at least $50 of this advance towards purchases on Cornerstore or towards a mobile plan through Cranberry Mobile. After meeting this requirement, the remaining $50 can be transferred to your bank account hassle-free and with no fees. In this case, your repayment amount will be $100. (**) Not all users will qualify. Subject to approval policies. Website: https://joingerald.com FOLLOW US: Twitter: https://twitter.com/joingerald LinkedIn: https://www.linkedin.com/company/joingerald PRIVACY: https://joingerald.com/legal/privacy TERMS OF SERVICE: https://joingerald.com/legal/terms-of-use Gerald Technologies is a financial technology company, not a bank. Banking services are provided by Gerald’s banking partners.

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Clair

We've temporarily paused Clair onboarding as we work on updates to the mobile app. New user access will be unavailable until 2025. We apologize for the inconvenience and can't wait to bring you fresh features soon! Clair is a banking app that gives you access to a portion of your earnings before payday. When you open a Clair Spending Account, held at Pathward® N.A, Member FDIC, you'll enjoy on-demand pay with access to fee-free wage advances, an FDIC-insured* Spending and Savings account with no monthly fees, and a Clair Debit Mastercard® to spend your earnings. Here's what you'll love about Clair: - Quick and easy access: Open a Clair Spending Account and take your first wage advance in the Clair mobile app after setting up a repayment method. - Freedom and control: You decide how much to advance from your next paycheck, up to a pre-approved amount determined by Clair** on an individual user-basis. - Access all the banking services you need: Get access to 40,000 fee-free AllPoint ATMs†, a virtual and physical debit card, Apple Pay™ and Google Pay, savings reminders, and much more! Learn more about Clair at getclair.com. Note: Clair is only available to select businesses. Check with your work app, time clock, or employer for an invite before getting started. Clair is a financial technology company, not a bank. Clair Spending is a demand deposit account established by, and the Clair Debit Card is issued by, Pathward, N.A., Member FDIC. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. Clair Savings Account is established by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. While wage advances are free, certain other fees may apply depending on how users use their account. Standard data charges may apply when using the Clair app. * Funds are FDIC insured, subject to applicable limitations and restrictions, when Pathward, N.A. receives the funds deposited to your account. ** Your advance rate will depend on your individual circumstances. Limits are subject to change. † The Clair Debit Mastercard can be used for no-fee withdrawals at U.S. ATMs in the Allpoint network. Fees may apply for international ATM transactions or transactions outside of this network. Banking Services provided by Pathward, N.A., Member FDIC. ‡ The Clair Savings Account is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and is paid monthly. The interest rate paid on the entire balance will be 1.98% with an annual percentage yield (APY) of 2%. The interest rate and APY may change. The APY was accurate as of 11/04/22. No minimum balance necessary to open the Savings Account or obtain the yield. You must have or obtain a Spending Account in order to obtain and open a Savings Account, and you must be the primary accountholder of your Spending Account. Savings Account funds are withdrawn through the Spending Account, and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC-insured through Pathward, N.A., Member FDIC. For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at Pathward, N.A., will be aggregated up to the coverage limit, currently $250,000.00.