The maximum borrow limit on Cash App's **"Borrow" feature** is typically **\$400**, although the exact amount offered to a user can vary. Cash App's Borrow feature is designed to provide short-term, small-dollar loans directly through the app to eligible users. While the general maximum loan amount advertised is up to $400, it is important to understand that this is not a guaranteed limit for all users. The loan service is serviced by Square Financial Services, Inc., and issued by First Electronic Bank or Square Financial Services, Inc., with a standard structure that includes a **5% flat fee** to be repaid over a four-week period. 💸

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The actual amount a user is eligible to borrow—which can be anywhere from a minimum of around **\$20 up to the maximum of \$400**—is determined by **Cash App's internal eligibility criteria**. This feature is not universally available to all Cash App users, as it is often considered to be in a testing or limited rollout phase. The company uses several factors to assess a user's creditworthiness and establish their personal limit, including: **1) Direct Deposit History:** Users who have set up and regularly receive a direct deposit of a certain minimum amount (often cited as \$300 or more monthly) into their Cash App account are more likely to qualify for a higher limit. **2) Cash Card Usage:** Frequent and active use of the Cash App Card is a positive factor. **3) Account History:** A positive overall account history, including consistent activity and no history of account defaults or fraudulent activity, helps determine eligibility and limit size. Essentially, the more you use Cash App as your primary financial tool and the more reliable your transaction history, the higher your potential borrow limit may be, up to that current \$400 cap. 📈

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It is also crucial to note that Cash App's Borrow feature is a **closed-end installment loan** and not a revolving line of credit. This means you borrow a fixed amount, pay it back over a fixed term (typically four weeks), and pay a fixed 5% flat fee. For example, borrowing \$400 would require a repayment of \$420. If a user fails to repay the Outstanding Balance by the Due Date and the balance remains unpaid for a certain period, additional fees may apply, such as a **1.25% weekly interest rate** on the unpaid amount. Eligibility and limits are continuously evaluated, and while Cash App might increase your limit over time if you consistently repay loans on schedule and increase your use of the app, there is no manual process to directly request an increase beyond the program's established maximum of \$400. 🧐

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Therefore, if you are seeking the maximum borrowing amount from Cash App, you must first confirm that the "Borrow" feature is even available to you in your state (it is currently unavailable in some states like Colorado and Iowa) and in your app. Your best strategy to qualify for the **highest limit of up to \$400** is to ensure you meet the eligibility requirements by making Cash App your primary banking destination: **set up regular direct deposits** of paychecks or other income and actively use your **Cash Card** for daily purchases. If you need to borrow an amount significantly higher than \$400, you would need to explore other financial products, such as traditional personal loans from a bank or credit union, or alternatives from other cash advance apps which may offer higher, though often more complex, credit lines. 💡

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## People also ask

#### What's the highest borrow limit in Cash App?
The highest borrow limit in Cash App for most users is $400, though this can vary based on eligibility. Some users report higher limits through unofficial channels or specific account histories, but the standard, officially stated range is between $20 and $400.

#### Can you borrow $1000 from Cash App?
No, you generally cannot borrow $1000 from Cash App; it typically offers short-term loans between $20 and $200. While some users have reported higher limits up to $500, and Cash App's sending limits go up to $1,000 per rolling 30-day period, the borrowing feature itself does not support borrowing $1,000. The amount you can borrow is determined by your account history and eligibility, and the feature may not be available to all users.

**How do I borrow $500 from Cash App?**
To borrow money from Cash App, first check if you are eligible by opening the app and looking for the "Borrow" icon on the balance tab; if it's not there, you may not be eligible yet. If eligible, tap "Borrow," review your loan limit, select the amount you want to borrow, and provide the requested personal information. If you aren't eligible, continue to use the app regularly with direct deposits to increase your chances of qualifying later.

**How to increase Cash App limit from 2500 to $7500?**
To increase your Cash App limit from $2,500 to $7,500, you must verify your identity by entering your full name, date of birth, and the last four digits of your Social Security Number (SSN) in the app's "Personal" settings. This is a requirement for higher limits and may require additional documents in some cases.