How to Unlock Borrow on Cash App: A Step-by-Step Guide

In the fast-paced world of digital finance, Cash App stands out as a versatile platform, offering users not just a means of transaction but also the opportunity to access short-term loans through its Borrow feature. If you’re eager to understand the ins and outs of unlocking the Borrow feature on Cash App, you’re in the right place. This step-by-step guide will walk you through the entire process, ensuring you make the most of this financial convenience.

Can You Borrow Money From Cash App?

Yes, you can indeed borrow money from Cash App through their innovative Cash App Borrow feature. However, it’s important to note that not everyone is eligible to utilize this feature. Eligibility criteria include factors such as credit history, credit score, state of residence, and frequency of Cash App usage.

How To Unlock Borrow On Cash App

Step 1: Check Eligibility

Before attempting to unlock the Borrow feature, assess if you meet the eligibility requirements. Cash App extends borrowing invitations based on factors like account activity, credit history, and residency. Regularly using Cash App and maintaining a sound credit history can enhance your eligibility.

Step 2: Update Cash App

Ensure you have the latest version of the Cash App installed. If the Borrow feature is not visible, updating the app might enable it.

Step 3: Login and Access Borrow Feature

After confirming eligibility and updating the app, follow these steps:

  • Open the Cash App on your device.
  • Navigate to the “Banking” or “Money” tab.
  • Look for the “Borrow” option and tap on it.
  • If prompted, click on “Unlock” to request a loan.

Step 4: Review Loan Terms

Once the Borrow feature is unlocked, Cash App will provide information about the loan amount. Review terms, including interest rates, fees, and repayment terms, before accepting the loan.

Step 5: Request and Accept the Loan

If satisfied with the terms, follow these steps:

  • Enter the loan amount.
  • Select your preferred repayment plan.
  • Review details and agreement.
  • Finally, accept the loan offer to complete the process.

Step 6: Repay the Loan

After receiving the loan, repay it within the agreed terms to avoid additional fees. Cash App offers three repayment methods: Autopay, Manual, and Mail.

Cash App Borrow Limit

The borrowing limit on Cash App varies based on user history and activity on the mobile app. To qualify for the maximum loan amount of $200, consistent high deposits, like $1,000 per month, may be required.

Cash App Borrow States

Cash App Borrow is available in select states, including Alabama, California, Georgia, and more. Residents must be at least 18 years old, have a good credit history, an activated Cash Card, and frequent use of the Cash App.

Cash App Borrow Not Showing Up

If the Borrow feature is not visible, reasons could include infrequent usage, poor credit history, insufficient deposit amounts, or state unavailability. Contact Cash App support for further assistance if needed.

Cash App Borrow Ended

As of the latest information available, there is no definitive data suggesting the end of the Cash App Borrow feature. Eligibility, state availability, Cash Card activation, credit score, and regular app usage all play roles in accessing this feature.


Unlocking the Borrow feature on Cash App provides eligible users with convenient access to short-term loans. By following the steps outlined in this guide, you can navigate through the process seamlessly, request a loan, and manage your repayments effectively.

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