How To Borrow Money from Cash App: Ultimate 2023 Guide | News Direct

How To Borrow Money from Cash App: Ultimate 2023 Guide Borrow Money from Cash App

Payday Ventures
News release by Payday Ventures

facebook icon linkedin icon twitter icon pinterest icon email icon California, United States | January 16, 2023 06:48 AM Pacific Standard Time

If you’ve been looking into how to borrow money from Cash App, you’re probably aware that it’s an app that allows borrowers to access between $20 and $200 (max). Cash App provides a short-term loan that is paid back over a maximum of four weeks. The Cash App website does allow a “grace period” of one week extra to pay back the loan, but this convenience comes at an added cost. And these small details alone are the very reasons many Americans prefer to use loan-finders such as Viva Payday Loans to apply for a cash advance instead of opting for the Cash App card. Before you get started, you may be wondering what is Cash App? What bank is Cash App? Is Cash App safe? And how do other online borrowing options compare to Cash App? The good news is that we answer all these questions and more below!

With Viva Payday Loans, you’re not limited to $200 like you are with a cash advance from Cash App. You can borrow up to $5000 and instead of just four weeks to repay the loan, you get between 3 and 24 months. In terms of flexibility and convenience, Viva Payday Loans and similar loan-finders outshine payday loans apps like Cash App. What is Cash App, and how does Cash App work? Read on to learn more about Cash App and how to borrow money from Cash App, along with an insightful comparative Viva Payday Loans review.

How To Borrow Money From Cash App - Editor’s Alternative Option

  1. Select Loan Amount: Go to Viva Payday Loans and select your loan amount, from $100 up to $5000

  2. Complete Application: Fill out their super quick application form, your request will have a response from over 60+ lenders in minutes

  3. Receive Loan: If approved by any of the options in their lending panel, you’ll be asked to sign your loan agreement and given your repayment terms

  4. If you’re not approved, try these alternatives: Low Credit Finance, Credit Clock, Heart Paydays, Money Lender Squad.

   Borrow Money Quickly Online Today With Any Credit Type > 

What is Cash App? Understanding Cash App Customer Service

Cash App is a mobile payment service that’s available within the US and the UK. While the Cash App customer service will tell you that the app acts as a regular money management app allowing users to receive and send funds as well as invest, it does offer Cash App Borrow options to some users. Not all users will have access to this service. The app will advance up to $200 to the user on request (if they meet the eligibility requirements) and is provided with a 5% charge attached.

After processing a quick registration, the user gets one month to pay back the amount and interest. Users looking for larger cash advance amounts and more flexible repayment terms will find the likes of Viva Payday Loans a more convenient option. With Viva Payday Loans, you can borrow between $100 and $5000 and get up to 2 years to repay the loan. Interest also starts as low as 5.99%, and you’ll deal with direct lenders that are accredited and transparent.

Highlights of Cash App Customer Service and Viva Payday Loans

Low APRs on Viva Payday Loans and the Cash App Card

Cash App charges users 5% in fees and will add an additional 1.25% if you’re late with your payments, which can rack up the costs. Viva Payday Loans provides borrowers access to lenders offering interest rates from 5.99%. If you advise the lender ahead of time that you’ll be late with a payment, often an arrangement can be made. Missing payments may result in a penalty fee.

Cash App Card vs. Viva Payday Loans Amounts

While Viva Payday Loans offers a wide range of loan options between $100 and $5000, Cash App is a little more limited, only offering $20 to $200.

   Borrow Money Quickly Online Today With Any Credit Type > 

Cash App vs. Viva Payday Loans Repayment Terms

For borrowers who don’t want to get tied into long contracts, Cash App seems a viable option. When borrowing up to $200 (the max allowed), you’ll get 4 weeks to repay the loan. If you’re looking for greater flexibility, Viva Payday Loans offers up to $5000 with 3 to 24 months to pay. Of course, there’s not much room to adjust or customize payment structures with Cash App, but if you opt for Viva Payday Loans, you’ll benefit from setting up weekly, fortnightly, or monthly payments depending on when/how you’re paid.

Probability of Cash App Scams vs. Viva Payday Loans Scams

When you transfer cash through the local bank, the transaction is secured through FDIC (Federal Deposit Insurance Corporation). When using Cash App, however, the transaction is not secured through the FDIC. This has lead to several Cash App scams cropping up; some of the most common Cash App scams are listed below:

  • Fraudster Cash App customer support telephone numbers and websites are one of the most common Cash App scams. In this case, a scammer pretends to be part of Cash App and tricks the borrower into downloading remote software onto their mobile phone or computer, thereafter unwittingly sharing their passwords for the Cash App (this leads to losing all money in the Cash App wallet).

  • Phishing emails that provide links to fake Cash App login in pages. Scammers may send out emails stating that there’s a cash payment waiting in the Cash App. When the user clicks on the link, it goes to a website that may look like the Cash App website but instead is a fake site designed purely to steal login details.

  • Cash flipping is another scam based on investments. The scammer offers a big return on social media for a small Cash App investment. Money sent to invest goes to the scammer instead of to any investment.

With Viva Payday Loans, getting scammed is somewhat of a non-event when compared to the many Cash App scams out there. The borrower simply logs onto the website, completes one secure application form and waits to hear back if a lender can assist. You’ll also be in direct contact with lenders that are accredited and transparent. During the setup process, you will be provided with a detailed loan contract featuring the terms and conditions of your loan.

   Borrow Money Quickly Online Today With Any Credit Type > 

What is Cash App?: Services Offered By Cash App and Viva Payday Loans

Access to Cash in a Hurry

When considering what is cash app compared to Viva Payday Loans, you’ll find that both options offer speedy processing. You won’t wait around to get the cash you need. In most instances, lenders on the Viva Payday Loans panel payout within 24-48 hours.

Bad Credit Borrowing Options

One of the first questions bad credit newbies to Cash App may wonder is what bank is Cash App? This is a relevant question because some banks don’t allow bad credit borrowing options. Cash App takes credit scores quite seriously and may not offer you the Cash App Borrow feature if you don’t meet their credit score requirement. Viva Payday Loans offers bad credit loans if you can prove the loan’s affordability and also meet the lending criteria in terms of age, earning capacity, affordability, and residency/citizenship. When applying for Viva Payday Loans bad credit options, it’s important to apply for an amount you can afford to repay, and of course, to provide a detailed list of your expenses for review by the lender.

Student Cash Advance Options

What bank is Cash App, and does the bank allow students to apply for a cash advance? This is a good question if you’re a student hoping to use Cash App for a cash advance. Cash App allows students to have an account, but not all students will have access to Cash App Borrow features. Viva Payday Loans provides student cash advances to students 18 and older earning or receiving at least $1000 per month. You must also be a US citizen/resident, and prove you can afford the loan by presenting a list of your income and expenses.

   Borrow Money Quickly Online Today With Any Credit Type > 

Safe Borrowing

Is Cash App safe? Is Viva Payday Loans safe? No one wants to get into a financial contract with a fly-by-night company! Both Cash App and Viva Payday Loans are considered safe borrowing options, but keep in mind that some of the Cash App scams doing the rounds have been cause for concern. It’s always best to do due diligence and investigate the lender you will be getting into a contract with.

Unemployed Borrowing Options

You shouldn’t just be wondering is Cash App safe, you should also be wondering if Cash App or Viva Payday Loans offer options for someone in your specific financial situation. If you’re unemployed but still earning or generating an income through means other than a formal job, you can apply for a cash advance via Viva Payday Loans. You’ll get access to loans between $100 and $5000.

Eligibility Criteria of Cash App Alternative, Viva Payday Loans

To be eligible for a loan through Viva Payday Loans, you must:

  • Be 18 or older

  • Be earning a minimum of $1000 p/m or $250 p/w

  • Be a legal American citizen or resident

  • Be in possession of your own US bank account with direct deposit

  • Be able to provide the following supporting documents: proof of address, proof of income, and a copy of your valid ID

   Borrow Money Quickly Online Today With Any Credit Type > 

How to Apply for Cash with Viva Payday Loans in Quick Steps

How does Cash App work? How does Viva Payday Loans work? Wonder no more! Applying for cash advances via Viva Payday Loans is as simple as following these steps:

Step 1: How to Borrow Money From Cash App Alternative: Viva Payday Loans. Select the Needed Amount

While Cash App only allows cash advances up to $200, Viva Payday Loans will let you select between $100 and $5000. Make your selection and hit the submit button.

Step 2: Complete the Application Form Online

You won’t need to know how to borrow money from Cash App when you realize just how easy processing an application on Viva Payday Loans is. Simply complete the online application form in minutes and submit it for review.

Step 3: Wait For a Decision From the Cash App Website Alternative (Viva Payday Loans)

Viva Payday Loans is a viable Cash App website alternative, providing feedback on loan applications within 2 minutes. You can then decide if you wish to finalize the loan setup with the lender directly. You’ll be provided with a loan contract to read through and sign.

Step 4: Get Your Payout From the Cash App Website Alternative (Viva Payday Loans)

Lenders on the Viva Payday Loans panel endeavor to payout loans within 24-48 hours. First, you will need to sign your contract and send it back to the lender. Then, the cash is deposited directly into your bank account.

Why Choose Viva Payday Loans Over Cash App

Deciding to choose Viva Payday Loans over Cash App is a simple one. When considering a Viva Payday Loans review, you can quickly see that Viva Payday Loans offers access to direct lenders, larger loan amounts and more flexible repayment periods. There’s also less risk of running into a scam when using the official Viva Payday Loans platform.

Conclusion: Try Alternatives To Cash App via Viva Payday Loans

One of the biggest deciding factors is whether or not Viva Payday Loans is a legit site. It's important to note that Viva Payday Loans is not a lender but a loan-finder site, putting borrowers in contact with lenders most likely to approve their loan requests. The site is legitimate and offers a discreet and secure collection of data and cutting-edge technology to safeguard borrowers while providing them with the quickest and most reliable way of getting a cash advance. If you want to see how quick and easy it is to get a cash advance through Viva Payday Loans, hop onto the platform's home page and complete the application form. You'll be well on your way to getting the cash you need in a few simple clicks.

   Borrow Money Quickly Online Today With Any Credit Type > 

FAQ’s About Cash App vs. Viva Payday Loans?

Is Viva Payday Loans Legit?

If you’re wondering is Viva Payday Loans legit, you’ll be pleasantly surprised to hear that the website is a legitimate loan-finder platform. The platform offers a loan marketplace partnering with some of the most reputable short-term loan providers in the US. There are no online reviews supporting any inkling of scams or misconduct when using the service.

What Are the Biggest Payday Loans You Can Get From Viva Payday Loans vs. Cash App?

While Cash App only offers cash advances up to $200, Viva Payday Loans works with lenders offering between $100 and $5000. This provides more scope to work with, especially if you're trying to cover big-ticket expenses.

How Quickly Can I Get a Cash Advance from Cash App vs. Viva Payday Loans?

Cash App payout times vary depending on the borrower's eligibility and, of course, if you’re new to the service. Viva Payday Loans take minutes to apply with, and in most instances, approved loans are paid out within 24 to 48 hours.

Can I Borrow Money From Cash App or Viva Payday Loans with a Bad Credit Score

Cash App may not allow you to access Cash App Borrow features if you don’t meet the requirements or have bad credit. The app will note how often you transfer money into your account, your credit history and other details to determine if you’re eligible for a cash advance through their service. Viva Payday Loans is known for assisting bad credit borrowers to get a cash advance. You will need to meet the simple eligibility criteria and prove that you can afford the loan, but having a bad credit score doesn’t automatically exclude you from getting a bad credit cash advance with Viva Payday Loans.

What is the Biggest Reason Viva Payday Loans Might Be a Better Option Than Cash App?

While Cash App is a great cash advance option, it's limited in terms of loan size and terms. The most you can borrow with Cash App is $200, and the longest term available is 4 weeks. On the other hand, Viva Payday Loans offers cash advances up to $5000, and the repayment terms range from 3 to 24 months, depending on the amount borrowed.


Disclaimer: The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to US residents only.


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