How to Borrow Money from Cash App in 2022: A Step-by-Step Guide


Cash App has become more than just a payment platform; it now offers financial services like Cash App Loans. If you’re looking to borrow money using Cash App in 2022, this step-by-step guide will walk you through the process.

Important Note: Cash App Loans, also known as Cash App Borrow, is a feature that provides eligible users with short-term loans. It’s important to understand the terms, conditions, and fees associated with these loans before proceeding.

Step 1: Eligibility Check

Before attempting to borrow money on Cash App, ensure you meet the eligibility criteria, which may include factors like account activity, spending history, and account verification.

Step 2: Open Cash App

If you haven’t already, download and open the Cash App on your mobile device. Make sure you’re using the latest version of the app for access to the most up-to-date features.

Step 3: Link a Bank Account or Debit Card

To be eligible for Cash App Loans, you need to have a linked bank account or debit card. If you haven’t already linked one, follow these steps:

  1. Tap the profile icon on the top right of the Cash App home screen.
  2. Scroll down to the “Funds” section and tap “Add Bank” or “Add Card.”
  3. Follow the prompts to add your bank account or debit card information.

Step 4: Apply for a Cash App Loan

  1. Open Cash App and tap the “Borrow” option, which is typically found on the home screen or in the Banking tab.
  2. Select the loan amount you want to borrow. Cash App will provide you with available loan amounts based on your eligibility and account history.
  3. Review the terms and conditions of the loan, including the repayment period and fees.
  4. If you agree to the terms, tap “Accept” to initiate the loan application.

Step 5: Verify Your Information

Cash App may ask you to verify your identity by providing additional information, such as your Social Security Number, date of birth, or other identification details.

Step 6: Receive Approval

After you’ve submitted your loan application and provided the necessary information, Cash App will review your request. If approved, the loan amount will be deposited directly into your Cash App balance.

Step 7: Repayment

Cash App Loans are typically short-term, and you’ll need to repay the loan within the specified repayment period. The repayment is usually set up to be automatically deducted from your Cash App balance. Ensure you have sufficient funds in your Cash App account on the due date to cover the repayment.


Borrowing money from Cash App in 2022 is a straightforward process, provided you meet the eligibility criteria and understand the terms and conditions of the loan. Cash App Loans offer a convenient way to access short-term funds, but it’s essential to manage your finances responsibly and make repayments on time to avoid additional fees and interest charges. Always ensure you are well-informed about the specifics of the loan before proceeding.

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