How to Borrow Money from Cash App (2025 Guide)

Looking for a quick and easy way to borrow money using Cash App? You’re not alone. Thousands of Cash App users are curious about the “Borrow” feature and whether they qualify. Some say they have access to it. Others say it hasn’t appeared for them despite regular usage and direct deposits.

So, what’s the real story? In this guide, we’ll break down how Cash App Borrow works, who it’s available to, and what steps you can try to increase your chances of unlocking the feature.

What Is Cash App Borrow?

Cash App Borrow is a short-term loan feature that lets eligible users borrow money directly through the app — typically between $20 and $200, though some report limits as high as $800. Borrowed funds must be repaid within a specific time frame, usually four weeks, with a fixed fee (not interest).

Important: The Borrow feature is not available to all users, and there’s no official way to request or apply for it. It appears based on Cash App’s internal eligibility criteria and may vary depending on multiple factors like account activity, deposit behavior, and location.

How to Check if You Have the Borrow Feature

To see if you have access to Cash App Borrow:

1. Open the Cash App.

2. Tap on your balance in the lower-left corner.

3. Scroll down and look for the “Borrow” option.

4. If it’s available, tap to see how much you’re eligible to borrow and review the terms.

If you don’t see the option, don’t worry — many users report that it took months (or longer) before it appeared, while some never received it at all.

Who Qualifies for Cash App Borrow?

Cash App hasn’t released a public list of requirements, but based on user experiences and support responses, here are factors that may increase your eligibility:

• ✅ You’re at least 18 years old

• ✅ You have an active Cash App Cash Card

• ✅ You regularly deposit money into Cash App (e.g., through direct deposit)

• ✅ You frequently use Cash App for sending and receiving money

• ✅ You live in a state where Cash App Borrow is currently supported

• ✅ Your account is in good standing with no history of fraud or abuse

Where Is Cash App Borrow Available?(Cash App borrow States)

One of the most frequently asked questions is whether the feature is limited by geography. Here are some U.S. states  i have confirmed   they have access to the Cash App Borrow feature:

• ✅ Utah

• ✅ Michigan

• ✅ Pennsylvania

• ✅ Alabama

• ✅ California
• …Will be updating the list soon

Tips to Improve Your Chances of Getting the Borrow Feature

While there’s no guaranteed way to unlock Borrow, here are some strategies that might help:

1. Set up direct deposit to receive your paycheck via Cash App.

2. Use your Cash Card for daily transactions.

3. Send and receive money regularly through the app.

4. Maintain a positive balance (even $1+ can help).

5. Avoid violating Cash App’s terms of service.

6. Update your state and personal info if you’ve recently moved — location might influence eligibility.

7. Be patient. Some users reported waiting several months or even a year before the feature appeared.

How Much Can You Borrow?

Loan amounts vary. Some users report borrowing limits of:

• $20

• $50

• $100

• $200

• $300

• $500

• Up to $800 (rare, but mentioned)

The amount you qualify for may increase over time if you borrow and repay reliably.

What to Expect if You Use It

If you do have access to Borrow, here’s how it works:

• You borrow a set amount, repayable within 4 weeks.

• A flat fee is applied (not interest), usually a few dollars.

• You can repay early without penalty.

• If you miss a payment, you may be charged a late fee or lose access to future borrowing.

Be sure to read the full terms before agreeing.

Cash App Borrow is an interesting and helpful feature — for those who can access it. But it’s not available to everyone, and there’s no way to apply or appeal for access. Whether you’re waiting patiently or trying to boost your eligibility, the best approach is to use Cash App actively, responsibly, and consistently.

And if you’re in urgent need of funds, be sure to explore other verified lending options while you wait.

Frequently asked questions about Cash App Borrow

❓ How do I activate Borrow on Cash App?

You can’t “activate” the Borrow feature manually. It’s an invitation-only feature provided at Cash App’s discretion. However, if your account is eligible, you can check for it using the steps below:

1. Open the Cash App.

2. Tap your balance (home screen).

3. Scroll down and look for the “Borrow” option.

4. If available, tap to view your borrowing limit and loan terms.

If you don’t see the Borrow option, it likely means your account doesn’t meet the eligibility criteria yet. Cash App may reevaluate your account periodically and unlock the feature in the future.

❓ Can you borrow money from your Cash App?

Yes — but only if you’re eligible and have been given access to the “Borrow” feature by Cash App. This allows qualifying users to borrow short-term loans (typically $20 to $200, sometimes more) directly through the app. The loan comes with a fixed fee (not interest), and repayment is usually due within four weeks.

If you don’t have the feature, there is no way to request it or apply for it manually. It’s based on factors like your app usage, deposit activity, location, and other account metrics.

❓ Why am I unable to borrow on Cash App?

If you don’t see the Borrow feature, there could be several reasons why:

• 🧾 You haven’t received direct deposits regularly through Cash App.

• 📱 Your Cash App usage (sending, receiving, and spending) may be low.

• 🏷️ You don’t have an activated Cash Card.

• 🏠 You live in a state where the Borrow feature is not yet supported.

• 📉 Your account activity or balance may not meet Cash App’s internal eligibility algorithm.

• 🧩 Eligibility may be determined randomly or selectively and not based on a fixed formula.

Some users report getting access without direct deposit or even with poor credit. Others who are very active with large deposits still don’t have the feature. In short, it seems to be a mix of account history, usage patterns, and perhaps even testing by region.

If you’re unable to borrow now, try continuing to use Cash App actively, keep your balance healthy, and ensure your personal information (such as state of residence) is current.

Have you been able to borrow from Cash App? Let us know your experience in the comments!