How to Unlock Borrow on Cash App: A Step-by-Step Guide


Cash App is more than just a peer-to-peer payment platform; it also offers various financial services, including the ability to borrow money. If you’re looking to unlock the borrowing feature on Cash App, this step-by-step guide will walk you through the process.

Step 1: Download and Install Cash App

If you don’t already have the Cash App installed on your smartphone, visit your device’s app store and download it. Ensure you download the official Cash App from Square, Inc.

Step 2: Sign Up or Log In

If you’re a new user, sign up for Cash App by entering your email address or phone number. If you already have an account, log in with your existing credentials.

Step 3: Link Your Bank Account

To access the borrowing feature, you need to link your bank account to your Cash App account. Here’s how:

  1. Open Cash App.
  2. Tap the profile icon on the top left.
  3. Scroll down and select “Linked Banks.”
  4. Follow the on-screen instructions to link your bank account.

Step 4: Verify Your Identity

Before you can borrow money using Cash App, you’ll need to verify your identity. This is done for security and compliance reasons.

  1. Go to your Cash App profile.
  2. Scroll down and select “Personal.”
  3. Follow the prompts to complete the verification process. You may need to provide your full name, date of birth, and the last four digits of your social security number.

Step 5: Check Your Eligibility

Cash App’s borrowing feature, known as Cash App Loan, has certain eligibility requirements. Cash App will assess your financial history, transaction activity, and other factors to determine if you qualify for a loan.

Step 6: Access the Borrowing Feature

Once your account is verified and you meet the eligibility criteria, you’ll be able to access the borrowing feature. Look for the “Cash App Loan” or similar option in the app’s menu.

Step 7: Choose Your Loan Amount

Select the amount you want to borrow. Cash App will display your available loan options, along with the associated terms and interest rates.

Step 8: Review and Accept Terms

Carefully review the loan terms, including the interest rate and repayment schedule. Make sure you understand the terms before proceeding.

Step 9: Confirm Your Loan

Once you’re satisfied with the loan terms, confirm your borrowing request. The money will be deposited into your Cash App account upon approval.

Step 10: Repay Your Loan

Remember that you need to repay your loan according to the agreed-upon terms. This may involve automatic deductions from your Cash App balance or linked bank account.


Unlocking the borrowing feature on Cash App is a straightforward process. By following these steps, you can access the Cash App Loan feature, helping you manage your financial needs conveniently. Just ensure that you meet the eligibility requirements and fully understand the terms of your loan before borrowing.

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