How to Get Cash App Buy Now Pay Later Feature (2022)

⚡ The Cash App Buy now Pay later feature is fantastic, but it is only available to verified Cash App users. And you might be surprised to learn that Cash App's buy now, pay later feature is entirely free, and the cash App will do a soft credit check to ensure you can pay later.

With the holidays coming up, many people will be looking for ways to buy presents without exceeding your cash app funds in your cash app wallet.

It’s no secret that buying presents can be expensive, and it’s even more complicated if you’re trying to stick to a budget. Buy Now Pay Later is the solution!

There are many Buy Now Pay Later apps, but only some affirm accept cash app card, so The Cash App Buy Now Pay Later Feature is the perfect solution for anyone looking to spread out their holiday shopping expenses. This feature allows you to pay for your purchases over time, without any interest or fees, just like apple pay or PayPal pay.

What do the “Buy Now Pay Later” Mean?

Most commonly, “buy now, pay later” refers to a type of purchase in which the buyer is not required to pay for the item immediately and instead may do so later. This type of purchase can often be completed through special financing arrangements with the seller or credit provider.

There are a few different types of buy now, pay later arrangements. The most common is an installment plan in which the buyer makes periodic payments (usually monthly) over a predetermined period until the total balance is paid off.

Another arrangement is a deferred payment plan, in which the full purchase price is not due until a later date. Often, this date is well after the product has been delivered or used by the buyer.

How Cash App Buy Now Pay Later feature Works?

The Cash App Buy Now Pay Later feature allows you to make purchases and pay for them over time.

You can choose to spread out your payments over 3, 6, or 12 months, and there’s no interest charged on the balance.

Plus, if you’re approved for the Cash App Credit Card, you can get 0% APR on your first purchase.

To use the Cash App Buy Now Pay Later feature:

  • Select “Buy Now” at checkout when making a purchase
  • Choose how many months you’d like to pay over (3, 6, or 12)
  • Enter your billing zip code and agree to the terms & conditions
  • Hit “Submit” to apply

Who can use Cash App buy now pay later?

Only verified Cash App users can use the “buy now, pay later” feature. This is because it’s a more convenient way for customers to purchase items without entering their credit card information or shipping address.

To verify your account, you’ll need to provide basic information such as your name, email address, and date of birth. You can also choose to enable two-factor authentication for added security.

Cash App is available for all major debit cards and credit cards.

Cash App is a quick, easy, and secure way to get paid, shop, and send money. You can use it to buy now pay later with no interest or fees. Just select “buy now, pay later” at checkout.

The best part? There are no late fees or interest charges. If you’re approved for the Cash App Credit Card, you can get 0% APR on your first payment/purchase.

How do I apply for Buy Now Pay Later Feature?

The Cash App will automatically prompt you to apply for the buy now, pay later feature if you are eligible.

To be eligible for the Cash App’s credit card, you need to purchase the app and choose to spread out your payments over 3, 6, or 12 months. You can set up a repayment schedule that works best for you – it even offers a pay-per-day option if you’re strapped for cash.

You can also have the option to get 0% APR on your first purchase when you are approved for Cash App Credit Card. You will need to provide your correct billing information, where your credit card details will be stored to use it next time you want to purchase Cash App.

If you have not been prompted for the Cash App credit card, we suggest reaching out to the Cash App credit bureau. They will be more than happy to assist you with your request.

Buy Now, Pay Later Auto Pay Term

Automated Payment Authorization

By accepting these Autopay Terms, you authorize First Electronic Bank, any assignee of your loan, or any service provider of either (collectively, “we” or “us”) to automatically initiate payments for your loan from your Cash App Stored Balance or the linked instrument you linked to your Cash App account (each a “Payment Account”). In addition to those in your loan agreement, these Autopay Terms set forth the terms and conditions that govern these automatic payments.

Plan of Payment

Your loan terms require you to make payments (each an “Installment Payment”) in the amounts and on the dates specified in the Payment Schedule in your Loan Receipt, which is accessible via your Activity feed. We will begin automatic payments on or about the dates and amounts specified in the Payment Schedule.

Account for Payment

Any automatic payments will be deducted from your Cash App Stored Balance. Suppose an automatic payment exceeds your Stored Balance at the time of payment. In that case, we will deduct the available amount from your Stored Balance and initiate payment for the remaining automatic payment from the debit card you have linked to your Cash App account (if any).

We will use the debit card linked at the automatic payment in this case. For example, if your scheduled payment is $50 but your Cash App Stored Balance is only $30 at the time of payment, we will deduct the $30 from your Cash App Stored Balance and then initiate payment from your linked debit card for the remaining $20.

If an automatic payment exceeds your Stored Balance and you do not have a linked debit card, or if you do have a linked debit card, but it does not have enough funds for the remainder of the automatic payment, we will initiate payment from the credit card that you have linked to your Cash App account (if any). In this case, we will use the credit card linked when the automatic payment is set up.

Automatic payment may include both your scheduled payment and any remainder from previous automatic payments that we’re unable to be charged to either your Cash App Stored Balance or linked instrument, plus any applicable late fee, as described below in the “Missed Payments” section.

If the automatic payment amount differs from an Installment Payment, you have the right to be notified ten days before the transfer. If you miss a payment, you acknowledge and request that you receive such notice of the transfer only if the transfer amount differs from the previous transfer by more than three times the installment payment amount.

If you change your linked instrument, we will use a different card for future Autopay payments. Any payment source listed in this section may be used to fund a Payment Account listed in any other section.

Defaulted Payments

Suppose there are insufficient funds in your Cash App Stored Balance to cover an automatic payment. We cannot charge the remainder of the automatic payment to your linked instrument on the first attempt. In that case, we will do one of three things:

  • Restart the automatic payment as permitted by network rules and applicable law.
  • Include the remainder (and any applicable late fee) in the subsequent automatic payments.
  • Wait until the due date and initiate payment for any outstanding balance, including applicable late fees.

We may be unable to charge a payment to your linked instrument because the card issuer declined the transaction, the instrument(s) linked to your account is no longer valid (e.g., it has expired), or you have removed the instrument(s) linked to your Cash App account without replacing it with another card.

Payment Modification or Combination Permission

You authorize us to combine multiple payments from your Payment Account that we may initiate on the same day into a single Payment. Instead of or in addition to any payments described above, you authorize us to initiate payments from your Payment Account for any amount and on any date that you later direct by phone, email, or another method we make available.

Credits and Reversals

You also authorize us to initiate electronic debits or credits to your Payment Account in an incorrect debit or credit or as otherwise necessary. If any information about your Payment Account or the associated financial institution is missing or inaccurate, you authorize us to verify and correct it. Your Credit Report can be found in your Cash App account.


You guarantee that your Payment Account is legitimate, open, and active and that you are an authorized signer on it. You acknowledge that these Autopay Terms are subject to all applicable laws and network rules. Each payment will be processed in US dollars, and its amount may vary depending on fluctuations in the applicable conversion rate.

A copy of this authorization can be found in your Loan Receipt, or you can request one by contacting Support via the Cash App.

Things to Consider Before Installment payments

Before using Cash App, you should consider a few things to buy something on your credit limit.

First, make sure you understand the interest rates and fees associated with the purchase. Cash App may have a lower interest rate than a credit card, but it’s essential to read the fine print and understand all of the potential costs involved.

Second, be aware that using Cash App to buy something on credit can affect your credit score. If you’re not careful, this could lead to problems down the road when you need to borrow money or apply for a loan. So make sure you keep track of your spending and try not to overspend just because you’re using the ‘buy now pay later’ functionality.

Finally, consider whether you can afford to pay for the item in cash. If not, then think twice about buying it on credit. Once again, it’s essential to keep track of your spending and understand that you’re spending real money when you buy something with your Cash App balance.

Will using Cash App to BNPL loans affect my credit?

Before issuing a loan or allowing users to pay now and pay later, Cash App may perform a soft credit history or payment history check to determine whether or not the user’s account is in good standing and can make future payments.

Even if you are a defaulter, Cash App does not report your account activity to any credit bureaus. However, it is better to be on the safe side and pay all dues on time.

Fees of Cash App buy now pay later.

There are no fees associated with Cash App’s “buy now, pay later” option. When you select this payment method, you’ll be charged the same price as if you made a down payment with a debit card or bank account.


Cash App direct deposit is a good option that helps you purchase things on credit. You can get many benefits from Cash App’s buy now pay later feature because it has no fee associated with this service. In short, Cash App is the best way to get cash advances in emergency cases.

We hope this article was helpful. Please let us know if you have any other questions about Cash App’s buy now pay later feature by posting your comment below.

Many other buy now pay later apps don’t accept cash app cards, so read our article to learn how to connect Cash App card indirectly with those apps here.

James Allen is a Certified Financial Education Instructor (CFEI), financial advisor, and Certified Public Accountant (CPA).

He created BillPin to give people the financial tools they need to make more informed financial decisions.

After listening to his mother tell stories about her frugal upbringing and his own experiences working as a financial advisor for almost two decades, James is on a mission to help people change their relationship with money.

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