Cash App doesn’t offer traditional overdraft protection like a bank, but it does have a feature called “Cash App Borrow” that can act like a mini-overdraft option—if you’re eligible.
💸 Cash App Borrow (Mini Overdraft Option)
What it is:
- A short-term loan feature
- Lets eligible users borrow up to $20–$200
- Paid back within 4 weeks, with a 5% flat fee
How to check if you qualify:
- Open Cash App
- Tap your banking tab (🏦 icon)
- Look for “Borrow”
- If you see it, tap to view how much you can borrow
Note: Not everyone gets access—it depends on:
- Direct deposit history
- Cash App activity
- Creditworthiness
- State laws
🛑 What Happens if You Go Negative
If your Cash App balance goes negative, it usually happens because:
- A refund was issued after you spent the money
- A transaction fee or tip was added
- You transferred out more than you had
What to do:
- Add money to your Cash App ASAP
- Future deposits may be used to cover the negative balance
✅ Tips to Avoid Overdraft-Like Situations
- Enable low balance alerts via email or push
- Only use your Cash Card when you’re sure of the balance
- Link a backup debit card in case of issues
