Get Fast Cash: How to Borrow Money from Cash App

When you need fast cash, you can benefit from an app that allows you to borrow money in seconds. It's ideal for emergency expenses or those times when you are cash-strapped and can't wait for days to be approved for a personal loan.

This is where Cash App comes in.

We take a look at how Cash App Borrow works and how you can quickly borrow cash from Cash App when you need to. You can also read more on how to file your tax return automatically and free with Cash App Taxes.

Cash App is a mobile app that lets you borrow money quickly using behavioral underwriting instead of traditional credit checks. You can borrow up to $500 (with Cash App Green tier) or up to $400 without it, and repayment is easy with a flat fee of 5%.

Note: The 5% flat fee translates to different APRs depending on loan amount. For example, a $20 loan with a $1 fee has an APR of approximately 6.83% according to Cash App's loan disclosures.

Borrowing money from Cash App can be a lifesaver when you need it most! With Cash App Borrow, borrowing money is easy and convenient - perfect for when you don't have access to traditional credit or need cash fast.

When you borrow money from Cash App, you can choose loan amounts from $20 up to $500 (depending on your eligibility) and repay it within four weeks.

If you don't repay your loan within four weeks, there is 1.25% overdue interest charged weekly after your one-week grace period ends. Additionally, if payment isn't made within 4 calendar days of the due date and you selected a payment schedule other than the one originally recommended by Cash App, a $5 Outstanding Balance Fee applies.

This is a good alternative compared to other payday loans where APRs can easily reach 400% or higher.

Cash App Borrow is available in 48 states - everywhere except Colorado and Iowa.

Eligibility Criteria

To borrow money from Cash App, you must live in one of the 48 states where Cash App Borrow is available.

You also need to be at least 18 years old, have completed identity verification, and meet one of these activity requirements:

• $300+ in monthly direct deposits OR
• $500+ in monthly external account deposits OR
• $500+ monthly Cash App Card spending OR
• Regular Cash App activity with positive account balance

Important: Cash App doesn't require good credit. In fact, 70% of active Cash App Borrow customers have FICO scores below 580, yet maintain a 97% repayment rate. The app uses real-time financial behavior analysis instead of traditional credit scores.

Cash App Green - Higher Borrowing Limits

With Cash App Green (launched November 2025), you can qualify for higher borrowing limits up to $400 for first-time borrowers, with the ability to get limit increases of up to $300 additional, making the maximum $500 total. To qualify for Green status, you need either:

• $300+ monthly qualifying deposits (payroll, government benefits, or gig work payments)
• $500+ monthly Cash App Card spending

Cash App Green also includes free ATM fees, priority phone support, free overdraft coverage up to $200, and higher savings rates. More than 8 million Cash App customers now qualify for Green benefits.

Repayment Schedule and Options

Your loan needs to be repaid in four weeks. You get your funds instantly and there is a 5% flat fee. Cash App offers three repayment methods:

1. Pay as you go: 10% of incoming Cash App funds automatically applied to your loan (optional - you can opt out through app settings or by contacting support within three business days)
2. Weekly installments: Set up regular payments
3. Lump sum: Pay the entire balance at once

Good news: You can prepay with no penalty and receive a pro-rata refund of any finance charge above 5%.

Cash App Loans

With a Cash App loan, you can get money fast using their innovative behavioral underwriting model. Cash App analyzes your real-time financial data - cash flow patterns, spending habits, savings behavior, and payment consistency - rather than relying on outdated credit bureau reports.

As of fall 2025, Cash App introduced Cash App Score - a pilot program that gives you transparency into your lending eligibility. This near-real-time score shows you:

• Your current borrowing eligibility
• Factors influencing your score
• Specific actions you can take to improve it

According to Brian Boates, Risk Lead at Block: "For the first time, customers in the pilot can see their scores, understand what factors are influencing them, and take specific actions to build their financial health within Cash App."

The pilot is expanding broadly in 2026.

Yes, Cash App is a safe way to borrow money. The app uses approved lenders and has state-of-the-art security measures. Cash App has prevented over $2 billion in potential peer-to-peer payment scams since August 2020 using AI and machine learning, and reimbursed over $8 million to more than 80,000 people in 2024 alone.

However, users should be aware that in January 2025, the Consumer Financial Protection Bureau (CFPB) ordered Cash App to pay approximately $120 million in refunds to customers who were victims of scams and fraud, plus a $55 million penalty. This reflected historical failures in fraud detection and customer reimbursement processes, though the app's security has since improved.

You can also deposit your cash in a bank account if you're not using the app.