Cash App Score
A next-generation credit score built on proprietary insights from Cash App's ecosystem (including affiliated products). A critical part of the $100B+ consumer lending platform powered by Block.*
Next-generation credit model
Trained on billions of data points to form a detailed view of financial behavior within the Cash App ecosystem.
Transparent and explainable
Customers will soon see a near real-time view of their financial health within Cash App, including the ability to see actions they can take that may strengthen their score.
Built on proprietary data
Built on first-party Cash App and Afterpay data you can't access anywhere else, and available through a low-friction flow without third-party logins or bank linking required.
Proven at scale
More approvals, same risk
The technology behind Cash App Score can approve 38% more customers at the same level of risk on short-term Borrow loans.
Recent analysis on different loan categories shows Cash App Score can be used to approve 30% more auto loans and 28% more credit card applications at identical loss rates compared to traditional methods.
Results reflect historical performance and do not guarantee future outcomes.
Direct access to a massive audience
Reach a large engaged audience of 58M monthly actives who spend, save, invest, and get access to credit through Cash App.**
More than 50% of 18-25 year olds in the US use Cash App monthly*** – an audience often thin-file or no-file under traditional credit models. And roughly 70% of Cash App Borrow customers have FICO scores below 580.
How it works
Scores and insights will be visible in Cash App where customers can set preferences for sharing with third party lending partners and learn how their in-app financial activity may influence their Cash App Score.
In the future, select lenders may be able to request access to Cash App Score, subject to consumer permissions.**
Cash App manages notifications & consents - no third-party logins required.
Want to learn more? Join the waitlist.
Block believes people should be empowered to use their financial history to unlock opportunity — on their terms. Later in 2026, we plan to enable a select group of lenders to access the Cash App Score**, expanding credit access while preserving customer transparency, privacy, and control.
* As of our Investor Day in November 2025, Block has provided access to more than $100B in consumer lending since 2022 (when Afterpay was acquired).
** Subject to applicable law, consumer permissions, and regulatory requirements. Cash App account usage of features varies by account. Not all accounts engage across all features and products in Cash App.
*** Based on U.S. Brand Health Equity & Tracking Study by Material+ (Cash App–commissioned online survey of ~9,000 U.S. respondents aged 13–65, Q3 2025). Percent reflects respondents ages 18–25 reporting net monthly use of Cash App.
Block, Inc. does not currently operate as a consumer reporting agency under the Fair Credit Reporting Act (FCRA). Any future availability of Cash App Score to lenders would be subject to applicable law, regulatory requirements, and consumer permissions.
Cash App Score
A next-generation credit score built on proprietary insights from Cash App's ecosystem (including affiliated products). A critical part of the $100B+ consumer lending platform powered by Block.*
Next-generation credit model
Trained on billions of data points to form a detailed view of financial behavior within the Cash App ecosystem.
Transparent and explainable
Customers will soon see a near real-time view of their financial health within Cash App, including the ability to see actions they can take that may strengthen their score.
Built on proprietary data
Built on first-party Cash App and Afterpay data you can't access anywhere else, and available through a low-friction flow without third-party logins or bank linking required.
Proven at scale
More approvals, same risk
The technology behind Cash App Score can approve 38% more customers at the same level of risk on short-term Borrow loans.
Recent analysis on different loan categories shows Cash App Score can be used to approve 30% more auto loans and 28% more credit card applications at identical loss rates compared to traditional methods.
Results reflect historical performance and do not guarantee future outcomes.
Direct access to a massive audience
Reach a large engaged audience of 58M monthly actives who spend, save, invest, and get access to credit through Cash App.**
More than 50% of 18-25 year olds in the US use Cash App monthly*** – an audience often thin-file or no-file under traditional credit models. And roughly 70% of Cash App Borrow customers have FICO scores below 580.
How it works
Scores and insights will be visible in Cash App where customers can set preferences for sharing with third party lending partners and learn how their in-app financial activity may influence their Cash App Score.
In the future, select lenders may be able to request access to Cash App Score, subject to consumer permissions.**
Cash App manages notifications & consents - no third-party logins required.
Want to learn more? Join the waitlist.
Block believes people should be empowered to use their financial history to unlock opportunity — on their terms. Later in 2026, we plan to enable a select group of lenders to access the Cash App Score**, expanding credit access while preserving customer transparency, privacy, and control.
* As of our Investor Day in November 2025, Block has provided access to more than $100B in consumer lending since 2022 (when Afterpay was acquired).
** Subject to applicable law, consumer permissions, and regulatory requirements. Cash App account usage of features varies by account. Not all accounts engage across all features and products in Cash App.
*** Based on U.S. Brand Health Equity & Tracking Study by Material+ (Cash App–commissioned online survey of ~9,000 U.S. respondents aged 13–65, Q3 2025). Percent reflects respondents ages 18–25 reporting net monthly use of Cash App.
Block, Inc. does not currently operate as a consumer reporting agency under the Fair Credit Reporting Act (FCRA). Any future availability of Cash App Score to lenders would be subject to applicable law, regulatory requirements, and consumer permissions.