How to Borrow Money From Cash App

Cash App offers a simple way to send, receive, and manage money. But did you know you can also borrow money from Cash App?

The borrow money from Cash App feature (called Cash App Borrow) lets eligible users take short-term loans directly through the app. It’s designed for small, urgent expenses and integrates seamlessly with your existing Cash App balance.

If you need quick cash, Cash App Borrow might be an option. However, it isn’t available to everyone. Your eligibility depends on account activity, location, and repayment history.

This guide explains how to borrow money from Cash App in 2025, why you may not see the option, and how to increase your borrowing limit.

How to Borrow Money from Cash App in 2025

Follow these steps to borrow money from Cash App if you have access to the feature:

1. Open Cash App – Make sure you’re using the latest version of the app.
2. Go to the Banking Tab – Tap the icon that looks like a bank or a dollar sign.
3. Select “Borrow” – If available, you’ll see the option to borrow money.
4. Tap “Unlock” – Cash App will check your eligibility.
5. Choose Your Loan Amount – You can borrow between $20 and $200, depending on your limit.
6. Review Terms – Check the repayment schedule, fees, and interest rate.
7. Accept the Loan – Tap “Confirm” to receive the funds in your Cash App balance.

Repayment is automatic – Cash App deducts the loan amount plus fees from your balance on the due date. If your balance is insufficient, it’ll pull funds from your linked bank account.

Why Won’t Cash App Let Me Borrow?

If you can’t borrow money from Cash App, here are the most likely reasons:

• Eligibility requirements not met: Your account activity or credit history may not qualify.
• Unverified Account – You must verify your identity with your Social Security Number (SSN).
• Location Restrictions – Borrow isn’t available in all states.
• Outstanding loans: You can’t borrow again until existing loans are repaid.
• Poor repayment history: Late payments or defaults restrict future borrowing.
• Technical issues: App glitches or server errors may temporarily block access.

How to Unlock Borrow on Cash App in 2025

If you don’t have the Borrow option, you can try these steps to become eligible:

1. Use Cash App regularly: Send, receive, or spend money through the app weekly.
2. Set up direct deposits: Consistent deposits (like paychecks) improve eligibility.
3. Repay existing loans on time: Build trust by avoiding late payments.
4. Verify your identity: Submit your full name, date of birth, and SSN in the app.
5. Maintain a Positive Balance – Avoid overdrafts or negative balances.
6. Update the app: Install the latest version of Cash App to access new features.

How Much Does Cash App Let You Borrow?

Cash App typically offers loans between $20 and $200. Your limit depends on:

• Account age and activity.
• Frequency of direct deposits.
• History of repaying past loans.
• State regulations (some states cap loan amounts).

How Long Will My Cash App Borrow Be Suspended?

Suspensions happen if you miss payments or break Cash App’s terms. The length of suspension varies:

• First-time late payment – Temporary suspension for a few weeks.
• Multiple missed payments – Could be suspended for months.
• Unpaid debt – May lose Borrow access permanently.

To restore Borrow, pay off your balance and keep your account in good standing.

You can also contact Cash App support via the app for specific details.

Why Don’t I Have a Borrow Option on Cash App?

The borrow money from Cash App option won’t appear if:

1. You’re in a state where the feature isn’t available.
2. Your account is new or lacks sufficient activity.
3. You haven’t set up direct deposits.
4. The app hasn’t been updated.

How Do I Get My Cash App Borrow Limit Up?

To increase your limit, follow these steps:

1. Use Cash App for Payments – Increase activity by making transfers. This boosts your account activity.
2. Receive Larger Direct Deposits – Higher amounts improve eligibility and often mean higher limits.
3. Repay Borrowed Money on Time – Avoid late payments. This shows reliability.
4. Keep a Positive Balance – Prevent overdrafts.

How Do You Know If You Can Borrow Money From Cash App?

To check your eligibility:

1. Open Cash App and go to the Banking tab.
2. Look for the Borrow option.
3. If available, tap Unlock to see your loan limit.

If you don’t see Borrow, you may need to meet Cash App’s requirements first.

Conclusion

Cash App Borrow is a quick way to access short-term loans, but it’s not available to everyone. If you qualify, borrowing is straightforward.

If not, increasing account activity and setting up direct deposits can improve your chances. Always repay loans on time to keep access open.