Cash App Borrow is becoming a popular financing option among users in the fintech space.
It typically lets you get a short-term loan between $20 to $200 depending on your eligibility—and this eligibility, in turn, depends on a few factors including having a Cash App card.
In this guide, we'll see how you can unlock the borrow feature on Cash App without the card.
Can You Unlock Borrow On Cash App Without the Card?
Tricky question, isn't it?
Well, looking into things as they are, I can't really say that you can't unlock the borrow feature on Cash App without having a Cash App card because Cash App does not specify that anywhere—I mean, there's no official note from them mentioning the eligibility requirements, right?
We all have to keep that in mind.
So the best way to answer this question is to go through reviews of those had already succeeded with unlocking the feature on Cash App. I always like going through Reddit for real user reviews, but you can go through Quora as well, it is an excellent platform.
As a perfect case study, I went through this Reddit post where the user is requesting tips to get the borrow feature on Cash App. After going through the answers on that post, I found out that a good number of users typically recommended setting up direct deposit on Cash App, besides the age requirement. Others, on the other hand, say it isn't a guarantee, which just confirms what I said earlier on eligibility—the selection for this feature is just random.
If you continue going through the comments, you might even fall on some saying that the borrow feature has ended.
But let's face the fact that when we look at the bigger picture, we can't actually deny that account activity heavily impacts your eligibility. The account activity here is just how often you carry out transactions through Cash App—and receiving direct deposits is one of the crucial factors that heavily impact account activity.
If you've ever had to set up direct deposit on Cash App before, you should know that you can't do so without verifying your account and ordering/activating your Cash App card. It is a mandatory requirement. This brings us back to our question; can you unlock borrow on Cash App without card?
With all that being said, I have to say you need the Cash App card to unlock the borrow feature on the app.
How to Unlock Borrow On Cash App Without Card
We've already seen that while the selection for the borrow feature is random, you need to have ordered and activated a Cash App card to increase your chances of getting selected for the feature.
However, there's still another way you could use to unlock this feature, which involves contacting the support team—but it'd be kind of slow and can still take you back to the starting point.
But as we say, there's no harm in trying, huh? So to unlock the borrow feature on Cash App without card:
- Tap the profile icon on your Cash App home screen
- Select Support
- Select Start a Chat and send a message.
Make sure your message looks convincing to draw a first impression and explain why you'd want to get the feature without the card.
The trick you'll use to draw their attention is telling them that there's no official note released mentioning the requirements you need to unlock the borrow feature. That's your major weapon.
Has Cash App Borrow Ended?
No, Cash App Borrow hasn't ended yet because many users are still getting short-term financing from this feature. But the feature's rollout isn't as active as before.
How to Become Eligible to Borrow Money from Cash App
While there's no official note from Cash App mentioning the eligibility requirements, I strongly believe meeting the following requirements can get you eligible for the borrow feature:
- Being at least 18 years of age.
- Must have verified your Account.
- Must have ordered and activated your Cash App card.
- Must have set up direct deposit on your account.
- Being a frequent Cash App user.
If you meet the aforementioned requirements, there's a great possibility that Cash App will make this borrow feature available for your account.
Final Thoughts
Since its official rollout, Cash App Borrow has been an easy way for eligible users to get a short-term loan from the app.
This eligibility depends on a few factors like setting up direct deposits and having a Cash App card, which appear to be the main requirements that you need to meet.
However, you can still unlock this borrow feature on Cash App without having a Cash App card by contacting Cash App support while using the trick mentioned in this guide to seem convincing for a first impression. Hopefully, you'll get the feature available for your account.