If you’ve been wondering how to borrow money on Cash App in 2025, you’re in the right place. Cash App has a feature called Cash App Borrow that lets eligible users take out a small loan—fast, with no credit check. In this post, I’ll walk you through exactly how it works, who qualifies, and what you need to do to unlock it.
What is Cash App Borrow?
Cash App Borrow is a short-term loan feature available to select users. It allows you to borrow up to $400 instantly and pay it back within four weeks.
Here are the key details:
- Loan limit: Up to $400
- Credit check: Not required
- Fees: 5% flat fee
- Repayment period: Four weeks
This makes it a quick option if you need extra cash in the short term, but it’s not available to everyone automatically.
How to Access Cash App Borrow
Step 1: Open Your Cash App
From the main Cash App screen, tap on the dollar sign ($) icon.
Step 2: Go to the Money Tab
On the left-hand side, you’ll see your available balance (or a bank icon if your balance is zero). Tap this to open the Money tab.
Step 3: Explore Borrow
Scroll down to the Explore section. If you’re eligible, you’ll see the Borrow option. Keep in mind, Cash App rolls out this feature selectively—so you might not see it right away.
Step 4: Check Loan Offer
If Borrow is available, Cash App will show you how much you can borrow and the repayment terms. For many users, this starts at $400.
Requirements to Unlock Cash App Borrow
To qualify for Cash App Borrow, you’ll need to meet one key requirement:
- Direct deposit of at least $300 into your Cash App account.
The more consistent your deposits, the higher your borrowing limit may become over time.
Setting Up Direct Deposit on Cash App
To unlock Borrow, set up direct deposit through Cash App. Here’s how:
- From the Borrow setup screen, tap Continue.
- You’ll be directed to your Direct Deposit section.
- Retrieve your routing number and account number manually, or complete a form provided within Cash App.
- Depending on your employer, you may be able to connect Cash App directly to your payroll system for a smoother setup.
Once direct deposits are active and meet the $300 requirement, you’ll gain access to the Borrow feature.
Should You Use Cash App Borrow?
Cash App Borrow can be a helpful tool if you need quick funds with a clear repayment plan. However, remember:
- The loan must be repaid within four weeks.
- The 5% fee applies no matter what.
- Missing repayments may affect your account standing.
Always borrow responsibly and only when you’re confident that you can repay on time.
SEE ALSO: 4 Easy to Use Apps Like Cash App for Money Transfer
Final Thoughts
Cash App Borrow in 2025 makes it easier than ever to access short-term loans without a credit check. With a small fee and straightforward repayment, it can be a good solution for emergencies—if you’re eligible and have direct deposits set up.
DISCLAIMER: Please note that Ewuta is not a financial advisor, and this post is for information purposes only.
