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Does Cash App Affect Your Credit Score?
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Does Cash App Affect Your Credit Score?
- Everyday use does not affect your credit. Sending and receiving money, using the Cash App Card, and investing in the app are not credit activity.
- Cash App Borrow does not affect your credit either. Cash App says it does not run a credit check for Borrow and does not report Borrow loans to Equifax, Experian, or TransUnion, even if you pay late.
- Your Cash App Score is separate. Cash App says it does not report the score or your activity to the credit bureaus, and checking it does not affect your traditional credit scores.
What Is Cash App?
Cash App is a mobile app for sending and receiving money, with features such as the Cash App Card, direct deposit, investing, and short-term loans through Borrow for eligible users. It also offers Afterpay buy now, pay later plans.
The Cash App Card is a debit card that spends your Cash App balance, so using it does not build or hurt credit. Read our Cash App Card review for more on how it works.
Can Cash App Borrow Impact Your Credit Score?
No, based on Cash App's own help center. Cash App says it does not check your credit when you apply for or receive a Borrow offer, and Borrow loans are not reported to any credit bureau, regardless of payment status.
Eligibility is based on your Cash App activity, such as deposit history, spending patterns, and account history. Late Borrow payments will not appear on your credit report, but they may lead to fees and can affect whether you can borrow through Cash App again.
What Is the Cash App Score?
The Cash App Score is built on how you use Cash App and Afterpay, including deposits, balances, spending, and use of features like Borrow. It updates once a week and may help you unlock access to features like Borrow.
Cash App says the score is separate from traditional credit scores. Our article on the Cash App Score explains it in more detail.
Can Cash App Help You Build Credit?
Not through standard use or Borrow, since neither is reported to the credit bureaus. If you want to build credit, you need an account that reports your on-time payments, such as a credit card or a credit builder loan.
Afterpay is a separate buy now, pay later product with its own terms, so check those terms if you use Afterpay through Cash App.
How Can You Improve Your Credit Score?
- Check your credit reports from Equifax, Experian, and TransUnion and dispute errors.
- Automate payments on credit accounts so you never miss a due date.
- Keep card balances low relative to your credit limits.
- Limit new applications to avoid stacking hard inquiries.
See our guide to increasing your credit score and our tips on building credit without credit cards. If you do use credit cards, Kudos recommends the best card in your wallet at checkout so your spending earns more.
The Bottom Line
Cash App does not affect your credit score. Payments, the Cash App Card, investing, Borrow, and the Cash App Score are all outside the credit reporting system, according to Cash App. That also means Cash App will not help you build credit.
Frequently Asked Questions
Does Cash App Report to Credit Bureaus?
Cash App says it does not report Borrow loans or your Cash App Score and activity data to Equifax, Experian, or TransUnion.
Does Cash App Borrow Check Your Credit?
No. Cash App says it does not perform a credit check when you apply for or receive a Borrow offer.
What Happens if I Pay Cash App Borrow Late?
The late payment will not appear on your credit report, according to Cash App. You may be charged fees, and it can affect your future eligibility to borrow.
Does Checking My Cash App Score Hurt My Credit?
No. Cash App says checking your Cash App Score does not affect your traditional credit scores.
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