How to Unlock Borrow on Cash App: A Complete Guide

How to Unlock Borrow on Cash App?
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Cash App’s borrow feature allows eligible users to take out short-term loans directly through the app. However, unlocking this feature requires meeting certain criteria. This guide will walk you through how to access borrow on Cash App, understand its terms, and determine if you’re eligible.


The ability to borrow money through Cash App can be a lifesaver in times of financial need. Whether it’s covering an unexpected expense or just needing a little extra cash before payday, Cash App’s borrow feature offers a flexible solution.

Understanding Cash App Borrow

Before diving into how to unlock this feature, it’s important to understand what it entails:

  • Loan Amounts: Cash App borrow allows you to loan small amounts, typically up to $200, depending on your eligibility.
  • Repayment Terms: Loans come with a flat fee and require repayment within a set period, usually four weeks.
  • Eligibility: Not all users have access to borrow on Cash App. Eligibility is based on a variety of factors, including your account history and activity.

Steps to Unlock Borrow on Cash App

Step 1: Check Your Eligibility

  1. Open Cash App and tap on your balance in the lower left corner.
  2. Scroll down and look for the “Borrow” option. If it appears, you can tap to see how much you’re eligible to borrow.

Step 2: Meet the Requirements

If the borrow option isn’t visible, you may need to meet additional requirements, such as:

  • Increasing your Cash App activity.
  • Receiving direct deposits into your Cash App account.
  • Ensuring your account is in good standing without any violations of Cash App’s terms of service.

Step 3: Apply for Borrow

Once you see the borrow option:

  1. Tap on “Borrow.”
  2. Select the amount you wish to borrow (within your limit).
  3. Review and accept the terms, including the repayment schedule and fees.

Step 4: Receive Your Funds

After acceptance, the loan amount will be deposited into your Cash App balance, ready for use or transfer as needed.

Tips for Using Borrow on Cash App

  • Understand the Fees: Be clear about any fees associated with borrowing and the total repayment amount.
  • Repay on Time: To avoid additional fees or impacts on your eligibility, adhere to the repayment schedule.
  • Use Wisely: Borrow only what you need and what you can afford to repay.

Frequently Asked Questions (FAQs)

Who is eligible to use the borrow feature on Cash App?

Eligibility for Cash App’s borrow feature is determined by a variety of factors, including your Cash App account activity, history, and financial patterns. Not all users will have access to this feature.

How much can I borrow from Cash App?

Eligible users can typically borrow small amounts up to $200. The exact amount you’re eligible to borrow can vary based on your account’s standing and history with Cash App.

What are the fees and interest rates for borrowing from Cash App?

Cash App charges a flat fee for borrowing, which is disclosed upfront when you choose to take out a loan. There are no hidden fees, but it’s important to review the terms carefully before accepting the loan.

How quickly do I need to repay a Cash App loan?

Repayment terms for Cash App loans usually require repayment within a few weeks. The exact terms, including the due date, will be provided when you take out the loan.

What happens if I can’t repay my Cash App loan on time?

Failing to repay your loan on time can result in additional fees and could impact your ability to use the borrow feature in the future. Contact Cash App support immediately if you anticipate difficulties with repayment.

Can borrowing from Cash App affect my credit score?

As of the last update, Cash App does not report borrowing activity to credit bureaus. However, it’s always a good practice to check the most current terms in case policies change.

How can I increase my chances of becoming eligible for borrowing on Cash App?

Increasing your Cash App activity, such as using your Cash Card and receiving direct deposits, might improve your chances of becoming eligible. However, Cash App does not disclose all the criteria used to determine eligibility.


While the borrow feature on Cash App can provide financial relief, it’s important to use it responsibly. By understanding the terms and ensuring you meet the eligibility criteria, you can unlock and utilize this feature effectively when you need it most.

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