Why won’t Cash App let me borrow?

Cash App Borrow offers users the convenience of accessing instant funds for various financial needs. However, there are instances where users may encounter limitations or restrictions on their ability to borrow money through the platform. If Cash App won’t let you borrow, several common reasons could be contributing to this issue. Let’s explore some of these reasons and possible solutions to help you understand why you may be unable to borrow on Cash App.

1. Insufficient Account Activity:

Cash App’s borrowing feature relies on factors such as account history and activity to determine borrowing eligibility. If your Cash App account has limited activity or is relatively new, you may not meet the criteria for borrowing money through the platform. Increasing your account activity, such as sending and receiving money or using other Cash App features, may improve your borrowing eligibility over time.

2. Low Account Balance:

Cash App Borrow requires users to have a sufficient balance in their Cash App account to cover the secured loans for bad credit and any associated fees. If your account balance is low or insufficient to meet these requirements, you may be unable to borrow money through Cash App. Ensure that you have funds available in your account or add funds from linked bank accounts or debit cards to increase your borrowing capacity.

3. Outstanding Loan Balances:

If you have existing Cash App Borrow loans with outstanding balances, you may be unable to borrow additional funds until your existing loans are repaid. Cash App Borrow typically allows users to borrow one loan at a time, and borrowing eligibility may be restricted if you have an active loan. Repay your existing loan in full to regain borrowing privileges and access additional funds through Cash App Borrow.

4. Account Verification Issues:

Cash App may require users to verify their identity or provide additional documentation to access certain features, including borrowing. If there are verification issues or discrepancies with your account information, Cash App may restrict your borrowing capabilities until these issues are resolved. Ensure that your account information is accurate and up-to-date, and follow any instructions provided by Cash App for verifying your identity.

5. Adverse Account Activity:

Cash App may restrict borrowing privileges for users with adverse account activity, such as suspicious transactions, fraudulent activity, or violations of Cash App’s terms of service. If your account has been flagged for suspicious activity or non-compliance with Cash App’s policies, you may be unable to borrow money through the platform. Contact Cash App support for assistance in resolving any account issues or disputes that may be affecting your borrowing eligibility.


In conclusion, several factors may contribute to Cash App’s refusal to let you borrow money, including insufficient account activity, low account balances, outstanding loan balances, verification issues, and adverse account activity. By addressing these potential issues and ensuring compliance with Cash App’s policies and requirements, you can improve your borrowing eligibility and access funds through Cash App Borrow when needed. If you continue to experience difficulties with borrowing on Cash App, consider reaching out to Cash App support for further assistance and guidance.