How to Borrow Money From Cash App (An Easy Guide)

Life is full of unexpected expenses, and sometimes you need a little financial boost. When those moments arise, you may wonder how to borrow money from Cash App, one of the most popular mobile payment apps. Well, you’re in luck! This article will guide you through accessing Cash App’s borrowing feature, helping you easily bridge those financial gaps.

Cash App can be your trusted ally, whether it’s an emergency, a planned expense, or just a little extra cushion for peace of mind. This post will provide you with all the information you need to confidently navigate the process to get the funds you need when you need them.

How to Borrow Money From Cash App

How to Borrow Money From Cash App

Cash App provides a feature known as “Borrow.” allowing users to borrow money for a short period.

To borrow money from Cash App, you must meet the following eligibility requirements:

  • You must be at least 18 years old.
  • You must have a valid Cash App account.
  • You must have a good credit history.
  • You must have at least $100 of direct deposit activity in your Cash App account in the past 30 days.

If you meet all of the eligibility requirements, you can borrow from Cash App by following these steps:

  • Open the Cash App app and tap on the Banking tab.
  • Tap on Borrow.
  • Enter the amount of money you want to borrow.
  • Review the terms and conditions of the loan and tap on Accept.
  • Cash App will deposit the funds into your Cash App account immediately.

You will be given four weeks to settle the loan, plus a 5% fee. You can repay the loan anytime by tapping on Borrow in the Cash App app and entering the amount you want to repay. If you do not repay the loan on time, Cash App will charge you a late fee of $5. If you continue not repaying the loan, Cash App may collect your debt.

Cash App Borrow Limit

The Cash App borrow limit is between $20 and $200. The loan amount you can access is contingent upon your history with the mobile app. To be eligible for the maximum $200 loan, you might need to deposit substantial sums, like $1,000 per month consistently.

To check your Cash App borrow limit, follow these steps:

  • Open the Cash App app.
  • Tap the profile icon in the top-right corner.
  • Tap “Limits” in the Account & Settings section.
  • Your borrowing limit will be listed under “Borrowing.”

Does Cash App Let You Borrow Money?

Yes, Cash App does let you borrow money. The feature is called Cash App Borrow, allowing eligible users to borrow up to $200 for a short time. To be able to use Cash App Borrow, you need to be 18 or older, have a valid Cash App account, have a good history of repaying loans on time, and have received at least $100 in direct deposits into your Cash App account in the last 30 days.

Why Doesn’t My Cash App have the Borrow Feature?

There are a few reasons why your Cash App may not have the Borrow feature:

  1. You are not eligible for Borrow: Cash App has specific eligibility requirements for Borrow, including a minimum age, a valid Cash App account, a good credit history, and direct deposit activity. If you do not meet all of the requirements, you cannot use Borrow.
  2. Borrow is not available in your state: Cash App’s Borrow feature is not available in all states. If you live in a state where Borrow is unavailable, you will not see the Borrow feature in your Cash App app.
  3. Your Cash App app is not up to date: Make sure you are using the most current version of the Cash App application. If your app is outdated, you may not see the Borrow feature.
  4. There is a problem with your Cash App account: If you have trouble accessing the Borrow feature, contact Cash App customer support for assistance.

If you are eligible for Borrow and live in a state where it is available, to address the issue, you can attempt the following troubleshooting steps:

  • Restart your phone. This can often fix minor glitches with apps.
  • Update your Cash App app.
  • Sign out of Cash App and sign back in. This can sometimes refresh your account and fix the issue.
  • Contact Cash App customer support. If you still have trouble accessing the Borrow feature, contact Cash App customer support for assistance.


Cash App’s borrowing feature can be a valuable tool when used wisely and with an understanding of the terms involved. Remember, responsible borrowing means only taking what you need and being diligent about repayment. With the simplicity and accessibility of Cash App, you have a versatile financial tool at your fingertips.