- Cash App Borrow offers small loans (reported at $20–$500) with a flat 5% fee to eligible users.
- Lenders can deposit to Cash App using the account and routing number shown in the app.
- Some lenders do not accept app-based accounts. Expect fewer choices than with a traditional bank.
Cash App Borrow
Cash App offers short-term loans called Borrow to some customers. As reported in 2026:
| Cash App Borrow | |
|---|---|
| Amount | About $20–$500, based on your account history (many users see up to $400) |
| Fee | Flat 5% of the amount borrowed |
| Repayment | Usually due in about four weeks |
| Late fee | Reported at 1.25% per week on the unpaid balance |
| Availability | Not available to every user or in every state; regular deposits help eligibility |
Open the app and look for Borrow on the Money tab. If you do not see it, you are not currently eligible. A $200 Borrow loan at 5% costs $10, far less than a typical payday loan.
Can lenders deposit to Cash App?
Yes, technically. Cash App provides an account number and a routing number (shown under your direct deposit settings), and ACH deposits can be sent to them. In practice:
- Some lenders accept Cash App accounts; others only accept traditional bank or credit union accounts.
- Account verification can fail if the lender cannot link the account automatically.
- The name on the loan must match the name on your Cash App account.
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Cash advance apps and Cash App
Many cash advance apps verify income through bank-linking services, and support for Cash App varies by app. Check each app’s list of supported banks. See cash advance apps compared.
Cash App will never ask for your PIN or sign-in code, or ask you to send money to “unlock” a loan. Ignore social media posts offering “Cash App loans” or “flips.” They are scams.
Lender availability, amounts and fees depend on your state. See payday loan laws by state.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Does Cash App give loans?
Yes, through Cash App Borrow for eligible users, with small amounts and a flat 5% fee. Not every user or state has access.
Can I get a payday loan on Cash App?
Some lenders can deposit to Cash App using its account and routing numbers. Many lenders prefer traditional bank accounts.
Why can’t I see Borrow in my Cash App?
Borrow is only offered to eligible users. Eligibility depends on things like your account history and regular deposits, and it is not available in every state.