If Cash App Borrow is available to your account, open Cash App, tap the Money tab, choose Borrow, select an amount offered to you, review its cost and repayment terms, then submit the request. Cash App calls this feature Borrow—not a cash advance—and says eligibility and loan limits vary by account. Approved funds are deposited to your Cash balance.
How to request a Cash App Borrow loan
- Open Cash App and select the Money tab.
- Tap Borrow. If the option or an offer is not shown, Borrow may not be available to your account.
- Choose an amount within the personal limit displayed in the app.
- Review the fee or finance charge, repayment schedule, due date, payment authorization, and loan documents.
- If the terms work for you, submit the request. Cash App says funds are deposited instantly to your Cash balance.
Who may be eligible—and where Borrow is available
Cash App says Borrow eligibility can depend on factors such as account activity, income or deposit information, and account standing; no single action guarantees access. Its product page says most people become eligible for consideration when they deposit at least $300 in paychecks monthly into Cash App, or share information from an external account receiving at least $500 in monthly deposits. Frequent Cash App Card use and keeping money in a Cash balance are also listed as factors, not guarantees. Cash App’s Borrow page lists these requirements: age 18 or older, identity verification, an account in good standing, and an account that is not sponsored.
Cash App’s product page lists Borrow as unavailable in Colorado, Iowa, and Oregon. Its US Terms of Service say a borrower must have an unrestricted account and be physically located in a state where the applicable lending product is offered; business, sponsored, and restricted accounts are not eligible for Cash App Lending. Eligibility and offers may change without notice, so check the current app and terms.
How much can you borrow?
Cash App advertises Borrow amounts up to $500, but your actual limit is the personal amount shown in the app. The advertised maximum is not a promise that you will be offered $500—or any loan. Review your offer rather than planning around the maximum.
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What does Cash App Borrow cost, and how do you repay it?
The exact cost and repayment terms depend on the loan offer and documents presented to you. Cash App describes repayment options that may include paying as cash arrives, weekly installments, or paying the full balance at once. Before accepting, check the in-app summary and loan agreement for the finance charge, payment dates, final due date, automatic payment authorization, and any charges that could apply if repayment is overdue. The SFS Borrow loan agreement governs its specific terms; a fee or schedule should not be assumed to apply to every borrower.
What to check before accepting
- Total cost: Compare the disclosed charge with the amount and time you will have to repay. Check whether overdue charges could apply.
- Repayment fit: Make sure you understand installment dates, the final due date, and whether payments may be taken automatically. Consider what happens if your Cash balance is insufficient.
- Amount and timing: Use the amount actually offered and the stated deposit timing, not the advertised maximum.
- Product type: Borrow is a loan. Earned-wage access and overdraft coverage work differently, so do not assume their costs or repayment rules are comparable.
For context only, the Consumer Financial Protection Bureau says a typical two-week payday loan charging $15 per $100 borrowed equates to an APR of almost 400%. That example describes payday loans generally; it is not Cash App Borrow pricing. See the CFPB’s payday-loan explainer.
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How Cash App Borrow differs from earned-wage access
EarnIn describes Cash Out as access to pay as it is earned, rather than a Cash App Borrow loan. EarnIn says users need a steady payday, a checking account, and a smartphone, and must connect an account and verify income. Its separate Cash Out Link product uses a bank-provided overdraft account and charges a service fee per approved request. Those are different products with their own eligibility rules and costs; check EarnIn’s current product information and help information before considering them.
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