Why is the Borrow Option Not Available on Cash App?

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Cash App’s Borrow feature provides users with a convenient way to access short-term loans for their financial needs. However, some users may find themselves wondering why they don’t have the borrow option available on their Cash App.

In this article, we will explore the possible reasons behind this issue and provide insights on how to unlock this feature.

Why is the Borrow Option Not Available on Cash App?

1. Residence in an Unsupported State

The availability of the Cash App Borrow feature is subject to specific state regulations. If you reside in a state where Cash App Borrow is not yet available, you will not see the option to borrow money.

Some of the states where the feature is currently unavailable include New Jersey, California, Rhode Island, Ohio, Missouri, Kansas, Utah, Washington, Massachusetts, New York, Iowa, Wisconsin, and Vermont.

2. Inactive Cash Card

While it is not entirely clear if having a Cash card is a prerequisite for accessing Cash App Borrow, activating your Cash card and making purchases with it may improve your chances of unlocking this feature. Additionally, utilizing your Cash card can contribute to earning more points within your Cash App profile.

3. Low Credit Score

Cash App does not explicitly disclose the specific credit score required to qualify for Cash App Borrow. However, having a low credit score or a poor credit history may impact your eligibility for this feature. If you’re wondering why the borrow option is not available on your Cash App, it might be beneficial to focus on improving your credit score.

4. Infrequent Use of Cash App

Regular usage of your Cash App account, including depositing and transferring funds, is a factor that affects your eligibility for Cash App Borrow. If you rarely use your Cash App or do not frequently engage in financial transactions, it may result in the borrow option not being visible.

Unlocking the Cash App Borrow Feature

If you are eligible for Cash App Borrow but cannot see the option, follow these steps to unlock it:

Step 1: Open the Cash App on your mobile device.

Step 2: Log into your account.

Step 3: Navigate to the left side of the home screen.

Step 4: Tap on the “Banking” tab.

Step 5: Look for the Borrow option in the list and select it.

Step 6: Tap “Unlock.”

Step 7: Enter the desired loan amount from the menu.

Step 8: Choose the repayment method that suits you.

Step 9: Review the terms of use and accept the loan.

Utilizing the Cash App Borrow Feature

Once you have successfully unlocked the Borrow option on your Cash App, you can leverage it to meet various financial obligations. Whether it’s an unforeseen medical expense, a sudden veterinary bill, an unexpected car repair, or covering household bills, the Borrow feature can provide immediate financial assistance. Here’s how to use it effectively:

  1. Download the Cash App from the Play Store.
  2. Launch the app and navigate to the “Banking” tab on the left side.
  3. Locate the “Borrow” option.
  4. If you cannot find it, refer back to the aforementioned reasons for the issue.
  5. Select “Get Started.
  6. You will receive information on the loan amount you can borrow.
  7. Input the desired amount or choose from the suggested options.
  8. Proceed to the next step.
  9. Review the loan details, including applicable fees and repayment dates.
  10. Choose a repayment option that suits your preferences.
  11. Select “Borrow Instantly” to transfer the loan amount to your Cash App balance.
  12. You can now fulfill your financial obligations with ease.


While the Cash App Borrow feature can be highly beneficial, it is not available to all users. Eligibility for this feature depends on various factors, including your place of residence, credit score, and frequency of Cash App usage. By understanding the reasons behind the unavailability of the borrow option, users can explore alternative options or take necessary steps to meet their financial needs effectively.

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