Open Cash App and sign in
Tap the Banking tab
Check whether Borrow is available on your account
Make sure you have an active Cash App Card
Receive eligible direct deposits into Cash App
Use Cash App regularly for payments and transfers
Keep your account in good standing
Maintain a positive Cash App balance history
Avoid failed payments, chargebacks, or disputes
Update Cash App to the latest version
Wait for Borrow eligibility to appear in your account
Contact Cash App Support if Borrow is still not available