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Finance and Business
Mobile Payment Systems
How to Borrow Money from Cash App: A Complete Step-by-Step Guide Download Article Unlock borrowing on Cash App (& pay back your loans) Co-authored by Nicole Levine, MFA Reviewed by Luigi Oppido
Last Updated: June 10, 2025 Fact Checked
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Unlocking Borrowing on Cash App
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Borrowing Money on Cash App
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How to Borrow Money on Cash App
|
Paying Back Your Loan
|
Warnings
|Show more|Show less X
This article was reviewed by Luigi Oppido and by wikiHow staff writer, Nicole Levine, MFA. Luigi Oppido is the Owner and Operator of Pleasure Point Computers in Santa Cruz, California. Luigi has over 25 years of experience in general computer repair, data recovery, virus removal, and upgrades. He is also the host of the Computer Man Show! broadcasted on KSQD covering central California for over two years. This article has been fact-checked, ensuring the accuracy of any cited facts and confirming the authority of its sources. This article has been viewed 128,817 times.
Have you been hearing the buzz about Cash App Borrow and want to try it out? Cash App Borrow is a pilot feature that allows select users to take out small loans for a flat fee. While Cash App Borrow is not available to everyone, some users can now borrow $20 or more in Cash App and pay back the loan on a 4-week schedule or all at once. We'll teach you everything you need to know about borrowing money in Cash App, including how you can qualify to unlock Cash App Borrow on your Android, iPhone, or iPad.
CashApp Borrow Feature: Quick How-To
Open Cash App and tap the balance or bank icon in the bottom-left corner.
Tap Get Started to see your borrowing limit.
Select your chosen amount and click Next.
Review your loan details and tap Next.
Choose a repayment method and payment plan and tap Next.
Review your repayment details, then tap Borrow Instantly.
Steps
Section 1 of 4:
How can I unlock borrowing on Cash App?
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1 Cash App borrowing is not yet available to all Cash App users in the United States. According to support reps at Cash App, Cash App Borrow is a pilot program that's only available to a small amount of users.[1]XResearch source If you don't have the option to Borrow in the app, there's no way to unlock the feature yourself.
2 Because the service is still in its testing phase, not much is known about eligibility requirements. While Cash App is not yet giving specifics about who can borrow money, the support area of the app states that these 4 factors affect to your eligibility:
Residence: Borrowing is not available in all US states, but Cash App doesn't specify which states are excluded. Their agreement does include loan terms for certain states, which may indicate that borrowing is (or will be) available in these locations: California, Iowa, Kansas, Massachusetts, Missouri, New Jersey, New York, Rhode Island, Vermont, Ohio, Washington, Wisconsin, and Utah.[2]XResearch source
Having an active Cash Card: While there's no indication that having a Cash Card automatically qualifies you to borrow from Cash App, activating and using your Cash Card will improve your chances.
Cash App usage: Cash App doesn't specify how your usage affects your loan eligibility, but they do say it's a factor.
Credit history: While they don't list a target credit score or any other criteria, this does indicate that having a poor credit history might prevent you from borrowing from Cash App.
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3 There might be other ways to qualify. Many Reddit users claim that once they set up direct deposit on Cash App, they qualified for Cash App loans. Other users claim that having an active debit card and credit card linked to the app contributed. Neither of these things are confirmed by Cash App.
Still, if Borrow isn't available in your state, there is no way to activate the feature regardless of how you use Cash App.
Advertisement Section 2 of 4:
Cash App Loan Details
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1 Loan amounts. When Cash App first announced their Borrow feature, loan amounts ranged from $20 to $200.[3]XResearch source While Cash App doesn't publicize how much users can borrow, some users on forums like Reddit claim they can borrow up to $450.
2 Duration and fees.
You can borrow money from Cash App for a flat 5% fee.
You'll pay back your loan in 4 weekly installments.
If you don't pay back the loan in full after 4 weeks, Cash App grants you a 1-week grace period. If you still carry a balance after that, a 1.25% finance charge is added per week until you've paid the remainder.
3 Repayment.
When you take out a loan, you'll have 3 payment options. You can repay as you receive cash in Cash App (10% of each deposit into your account), make a payment every week for 4 weeks, or pay the full balance all at once.
If you don't make a payment by your scheduled payment date, Cash App will automatically deduct the amount from your Cash App balance.
If there's not enough in your balance to cover the payment, they'll deduct the amount from your linked debit card or bank account.
Advertisement Section 3 of 4:
How to Borrow Money on Cash App
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1 Open Cash App on your phone or tablet. The only way to know for sure if you can borrow money from Cash App is to look for the Borrow option in the app. Start by tapping the green-and-white dollar sign on your Android, iPhone, or iPad's app list.
2 Tap your balance or the bank icon. You'll see one of these two item at the bottom-left corner of the screen, depending on your version of the app.
3 Tap Borrow. If you qualify to borrow a loan from Cash App, you'll see this option at the bottom of the list.[4]XResearch source
If you don't see this option, you are not yet eligible to borrow from Cash App.
4 Tap Get Started to see how much you can borrow. If you're able to borrow from Cash App, you'll see exactly how much you can borrow at the top of the screen.
Your borrowing limit is affected by many factors, including whether you repay your loans on time, how much money you deposit into or keep in Cash App, and your recent credit history.
5 Select an amount and choose Next. You can choose a denomination or tap the three dots to enter a custom amount.
6 Review your loan and tap Next. You'll see a screen that explains the flat fee of 5%, the date by which you'll need to pay the loan back, and the total amount to repay.
7 Select a repayment method and tap Next. You'll have three options for repaying your loan:
As you get cash: Each time you get money in Cash App, a 10% of the deposit will be set aside to pay back your loan.[5]XResearch source
4 weekly payments: You'll pay the amount listed on the date listed each week for 4 weeks.
All at once: You'll pay the full balance at once on or before the date listed. If you haven't paid the loan back by the listed date, the full amount will be deducted from your Cash App balance. If there's not enough in your balance to cover the amount, Cash App will deduct the amount from your linked debit card automatically.[6]XResearch source
8 Review the repayment details and tap Borrow Instantly. If you agree to the repayment terms listed in Cash App, tapping Borrow Instantly transfers the full loan amount to your Cash App balance, where you can send or spend it instantly.
A summary of your loan details will appear, along with your due date. You can tap Done on this screen to return to Cash App.
Advertisement Section 4 of 4:
How to Pay Back Your Loan
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1 Tap the banking tab at the bottom-left corner of Cash App. This tab will either display your balance or a bank icon.
You can pay back your loan early, but all finance charges (including the 5% fee and 1.25% additional fee for late payments) are non-refundable.[7]XResearch source
2 Tap Borrow. You'll see this at the bottom of the list. A list of your upcoming loan payments will appear.
3 Tap the payment you want to make. All of your upcoming payments appear here. If you split your loan into 4 payments, tap your first payment to pay that amount.
If you chose to pay the loan back all at once, you can tap Repay Early to pay the amount in full now.
4 Follow the on-screen instructions to make your payment. You'll now be able to make an instant payment using your linked bank account or debit card.
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Warnings
Borrowing from Cash App is just like taking out a payday loan. Only borrow if you are sure you can pay back your loan on time to avoid finance charges, credit score implications, and legal repercussions. Thanks Helpful 0 Not Helpful 0
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Reviewed by: Luigi Oppido Computer & Tech Specialist This article was reviewed by Luigi Oppido and by wikiHow staff writer, Nicole Levine, MFA. Luigi Oppido is the Owner and Operator of Pleasure Point Computers in Santa Cruz, California. Luigi has over 25 years of experience in general computer repair, data recovery, virus removal, and upgrades. He is also the host of the Computer Man Show! broadcasted on KSQD covering central California for over two years. This article has been viewed 128,817 times. How helpful is this? Co-authors: 8Updated: June 10, 2025 Views: 128,817 Categories: Mobile Payment Systems In other languagesJapanese
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Download Article Unlock borrowing on Cash App (& pay back your loans) Co-authored by Nicole Levine, MFA Reviewed by Luigi Oppido 
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Reviewed by: Luigi Oppido Computer & Tech Specialist This article was reviewed by Luigi Oppido and by wikiHow staff writer, Nicole Levine, MFA. Luigi Oppido is the Owner and Operator of Pleasure Point Computers in Santa Cruz, California. Luigi has over 25 years of experience in general computer repair, data recovery, virus removal, and upgrades. He is also the host of the Computer Man Show! broadcasted on KSQD covering central California for over two years. This article has been viewed 128,817 times. How helpful is this? Co-authors: 8 Updated: June 10, 2025 Views: 128,817 Categories: Mobile Payment Systems In other languagesJapanese 
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1 Cash App borrowing is not yet available to all Cash App users in the United States. According to support reps at Cash App, Cash App Borrow is a pilot program that's only available to a small amount of users.[1] If you don't have the option to Borrow in the app, there's no way to unlock the feature yourself. 
2 Because the service is still in its testing phase, not much is known about eligibility requirements. While Cash App is not yet giving specifics about who can borrow money, the support area of the app states that these 4 factors affect to your eligibility: 
3 There might be other ways to qualify. Many Reddit users claim that once they set up direct deposit on Cash App, they qualified for Cash App loans. Other users claim that having an active debit card and credit card linked to the app contributed. Neither of these things are confirmed by Cash App. 
1 Loan amounts. When Cash App first announced their Borrow feature, loan amounts ranged from $20 to $200.[3] While Cash App doesn't publicize how much users can borrow, some users on forums like Reddit claim they can borrow up to $450. 
2 Duration and fees. 
3 Repayment. 
1 Open Cash App on your phone or tablet. The only way to know for sure if you can borrow money from Cash App is to look for the Borrow option in the app. Start by tapping the green-and-white dollar sign on your Android, iPhone, or iPad's app list. 
2 Tap your balance or the bank icon. You'll see one of these two item at the bottom-left corner of the screen, depending on your version of the app. 
3 Tap Borrow. If you qualify to borrow a loan from Cash App, you'll see this option at the bottom of the list.[4] 
4 Tap Get Started to see how much you can borrow. If you're able to borrow from Cash App, you'll see exactly how much you can borrow at the top of the screen. 
5 Select an amount and choose Next. You can choose a denomination or tap the three dots to enter a custom amount. 
6 Review your loan and tap Next. You'll see a screen that explains the flat fee of 5%, the date by which you'll need to pay the loan back, and the total amount to repay. 
7 Select a repayment method and tap Next. You'll have three options for repaying your loan: 
8 Review the repayment details and tap Borrow Instantly. If you agree to the repayment terms listed in Cash App, tapping Borrow Instantly transfers the full loan amount to your Cash App balance, where you can send or spend it instantly. 
1 Tap the banking tab at the bottom-left corner of Cash App. This tab will either display your balance or a bank icon. 
2 Tap Borrow. You'll see this at the bottom of the list. A list of your upcoming loan payments will appear. 
3 Tap the payment you want to make. All of your upcoming payments appear here. If you split your loan into 4 payments, tap your first payment to pay that amount. 
4 Follow the on-screen instructions to make your payment. You'll now be able to make an instant payment using your linked bank account or debit card. Advertisement