Cash App Offers Insights Into Lending Decisions, Enables Pay Over Time

Cash App has announced that it will test a feature that allows users of its money app to see how their choices affect the company’s lending decisions, and a feature that lets its cardholders turn purchases into pay-over-time loans.

In a pilot program that has already been launched, Cash App is allowing select customers to see their Cash App Score, which is a near-real-time measure of customers’ financial health that it uses to inform their access to Cash App Borrow, the firm’s parent company, Block, said in a Wednesday (Nov. 19) press release.

This marks the first time that select customers have been able to view their current score as well as personalized insights that may help them improve their score, according to the release.

“What the Cash App Score pilot does is give customers transparency into how their credit eligibility is determined,” Brian Boates, risk lead at Block, said in the release. “For the first time, customers in the pilot can see their scores, understand what factors are influencing them, and take specific actions to build their financial health within Cash App.”

Cash App expects to begin offering this feature to more customers in 2026, per the release.

The company also announced an upcoming pilot program that will offer Afterpay on Cash App Card, allowing eligible cardholders to turn online or in-store transactions into pay-over-time purchases anywhere Visa is accepted.

In this pilot program, eligible customers will be able to order a Visa Debit Flex Card that includes all the features of a Cash App Card as well as the ability to turn on Afterpay in-app, Cash App said in a Wednesday press release.

“We’re bringing together Block’s underwriting muscle with Afterpay’s proven pay-over-time expertise to deliver something our 26 million monthly Cash App Card actives have been asking for,” Owen Jennings, executive officer and head of business at Block, said in the release. “We’re offering a transparent form of credit and a real alternative for Americans who want flexibility without the traditional baggage often associated with credit cards.”

Cash App plans to launch this pilot within months and then begin a larger rollout in early 2026, according to the release.

Block acquired Afterpay in 2022.

PYMNTS reported Nov. 6 that Block is growing through disciplined architecture of what the company’s management calls “integrated ecosystems.”

Each arm of the business bolsters the others: Cash App users spend through Square merchants; Square’s enterprise-grade capabilities attract larger sellers, who bring customers back into the Cash App universe; blockchains strengthen lending insights; and Afterpay automates point-of-sale retail finance.

Jennings told PYMNTS CEO Karen Webster in an interview posted Nov. 13 that the latest release of Cash App marks a shift from a product that helped people send money to one that helps them manage it.