Cash App Borrow in 2025: Limits, Eligibility, and Usage Tips
Cash App Borrow is a short-term loan feature that lets eligible users quickly access small amounts of money within the app. Loans are designed for about a month, with fees lower than traditional payday loans. This guide explains what Cash App Borrow is, who can use it, borrowing limits and fees, and tips for using it responsibly.
What is Cash App Borrow?
Cash App Borrow is a small, short-term loan feature embedded within the Cash App. Users can access quick cash when needed. Borrowing limits generally range from $20 to $200, with a repayment period of about four weeks. A fixed 5% fee applies at repayment (for example, borrowing $100 requires repayment of $105). According to Block, the average loan amount is under $100, the term is roughly one month, and the cost is only a fraction of typical payday loan fees. In other words, Cash App Borrow provides eligible users with a convenient way to handle short-term cash needs.
Who is eligible?
Cash App Borrow is not available to all users. Eligibility requirements include being at least 18 years old and residing in the United States. The system evaluates users based on account activity, deposit history, financial behavior, and credit history. Generally, active Cash App users who frequently send and receive funds, have activated a Cash Card, and maintain a good credit profile are more likely to be approved. Currently, this feature is available in approximately 19 U.S. states (including California, Texas, Virginia), while other regions and countries do not yet have access.
How to check and activate Borrow
To see if Cash App Borrow is available: Open Cash App and go to your Home or Balance page. Look for the “Borrow” option. If it doesn’t appear, your account is not yet eligible. Once visible, tap Borrow, enter the amount you want (within the allowed range), select a repayment plan, and confirm. After confirmation, the borrowed funds are instantly added to your Cash App balance, ready for use.
Borrowing limits, fees, and terms
Borrowing limits are generally $20–$200, with repayment due in roughly four weeks. Cash App charges a fixed 5% fee (e.g., borrow $100, repay $105). If repayment is late, additional 1.25% interest per week is applied on the outstanding balance. Overall, this cost is much lower than traditional payday loans or overdraft fees, but users must repay on time to avoid extra charges.
Usage tips and precautions
Repay on time: Late repayment incurs a weekly 1.25% fee and may affect your credit record if reported. Account functionality: Prolonged nonpayment may result in suspension of certain Cash App features (like transfers or withdrawals) until the loan is repaid. Linked payment method: A U.S. debit card must be linked to your Cash App account for repayment and cannot be unlinked until the loan is fully repaid. Automatic deductions: Cash App may automatically deduct funds from new deposits to cover outstanding balances. Ensure sufficient funds in your account to avoid additional fees.
Summary
Cash App Borrow is ideal for eligible users who need small, short-term emergency funds. It’s suitable for unexpected minor expenses that require quick access to cash, as it is convenient, fast, and relatively low-cost. However, users should ensure they can repay by the due date to avoid extra fees and potential credit risk. For those who can manage temporary expenses through savings or lower-cost loans, Cash App Borrow is not necessary. When used responsibly, understanding the limits, fees, and repayment terms, Cash App Borrow can be an effective tool to manage temporary cash shortages.
