Gerald logo — Buy Now Pay Later & Cash Advance for Household Items, Phone...

Gerald

Buy Now Pay Later & Cash Advance for Household Items, Phone Plans

Founded 2018 United States New York, United States 18 employees Total: $130.00K Financial Services, Fintech +4

General Information

Company Name Gerald
Founded Year 2018
Location United States New York, United States
Employees 18
Industries Financial Services, Fintech, Insurtech +3
Business Model B2C, Platform, On Demand
Social

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About Gerald

Gerald (YC W21) is a New York-based fintech startup founded in 2018. Its mission is encapsulated in its slogan: "Gerald is on a mission to eliminate stress about paying bills."

Addressing a prevalent issue faced by approximately one-third of Americans living paycheck to paycheck, Gerald tackles the hassle of manual bill payments and the risk of overdraft fees. The startup's application offers a streamlined solution by linking to household biller accounts, automating payments, and providing overdraft and late fee protection. Gerald further simplifies financial management with features like direct deposits, credit building, and rewards.

As a Y Combinator-backed company, Gerald integrates fintech, payments, and big data to enhance the user experience. The platform's potential was recognized with a Seed Round investment on 06 January 2021 by investors including Goodwater Capital, Y Combinator, FinTech Sandbox, and Frontures.

Business keywords: Bill payments, Overdraft protection, Late fee protection, Digital banking, Payments, Big data, Consumer finance, Credit building, Cash advance, Reward programs, YCombinator-backed, New York, Financial technology, Automated bill payments

Services & Products

Cash Advance Transfers
Buy Now, Pay Later
Mobile Plan Advances
Rewards Program

Target Customers

Individuals Needing Financial Flexibility Users Managing Household Expenses Customers Lacking Immediate Liquidity Mobile Plan Subscribers

Funding Rounds & Investors (4)

View All
Funding Stage Amount Investors Lead Investors Date
Late VC Undisclosed 4
Goodwater Capital, VentureSouq +2
01 Dec 2021
Seed $130.00K 1
Y Combinator
01 Jun 2021
Seed Undisclosed -
01 Jan 2021
Seed Undisclosed 1
Global Insurance Accelerator
01 Jan 2020

Gerald Alternatives & Competitors

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Gerald vs
BLING
BLING France

Bling offers users quick access to money that is automatically recovered from their next income.

Series A
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Gerald vs
Dave
Dave United States

We started Dave for one reason: banks weren’t built for people like us, and we knew we deserved bett...

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Gerald vs
Zilla
Zilla Nigeria

Buy what you love now and pay later.

Pre-Seed
15 employees
Financial Services, Fintech

FAQ About Gerald

Buy Now Pay Later & Cash Advance for Household Items, Phone Plans
Gerald was founded in 2018.
Gerald is headquartered in New York, United States.
Gerald operates in Financial Services, Fintech, Insurtech, Lending and Investments, Payments and Banking. Its work centres on Bill payments, Overdraft protection, Late fee protection and Digital banking. Its customers include Individuals Needing Financial Flexibility, Users Managing Household Expenses and Customers Lacking Immediate Liquidity.
Gerald has a B2C, Platform and On Demand business model.
Gerald has approximately 18 employees.
Gerald has completed 4 funding rounds, raising a total of $130.00K.
Gerald offers: Cash Advance Transfers, Buy Now, Pay Later, Mobile Plan Advances, Rewards Program.
Top alternatives and competitors to Gerald include BLING, Dave, Zilla, Credit Genie, EarnIn. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Gerald and BLING are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Gerald, https://bouncewatch.com/company/gerald-yc-w21, updated 23 July 2026. When citing, please name BounceWatch and link this page.

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