Estimate your
monthly payment

$ N/A
with APR
$50 $2,000
Interest-free
*Checking your rate will not affect your credit score

How does it work?

Step 1

Download the app

Apply in the app. Our decision engine will have an answer for you in seconds.
Find a car and apply online
Step 2

Choose your options

You'll know your monthly payments, including your interest before you agree to anything.
Sign loan agreement
Step 3

Get Cash!

You can get BoroCash in your bank account in as little as 1-2 days
Drive it home
Benefit no hidden fee md

You do you.
No hidden fees.

Use BoroCash for just about anything. College students have paid for textbooks, spring break trips, and even parking tickets (no judgement here). It’s free to sign up and we don’t believe in annual fees or minimums.
Icon star Icon star Icon star Icon star Icon star
“Boro is an amazing service that is definitely underutilized by college students. I am using it to get apartment money while I am in college and it is everything from quick to reliable.”
Icon itune
App Store Review by FSUStory
Benefit no hidden fee
Benefit build credit md

Build your
credit.

If you make on-time payments, your credit score has a chance of improving. Results may vary but some of our customers have seen their credit scores improve by hundreds of points after a couple of months using BoroCash!
Benefit build credit
Benefit better than md

Better than a
credit card.

Unlike a credit card, you’ll know your monthly BoroCash payments, including your interest before you agree to anything. With Boro, there’s no chance of overspending and we don’t need a long-term relationship; it’s your choice whether or not you want more BoroCash after you have paid back. For $100 BoroCash paid back over 6 months, you’ll pay less than $10 in interest.
Benefit better than

Here’s what other students say:

Icon trusted
Icon star yellow Icon star yellow Icon star yellow Icon star yellow Icon star yellow
I4m96
I saw this app as an ad on TikTok and thought it was...too good to be true, but it actually works. They approve quickly and once you pay your first loan on time they increase the amount you can get. Their customer service is very responsive and incredibly helpful. Definitely give them a try!
Icon star yellow Icon star yellow Icon star yellow Icon star yellow Icon star yellow
Dewwwwwwe
Credit score goes up to 40 points after the second payment! Amazing. Thank you Boro!
Icon star yellow Icon star yellow Icon star yellow Icon star yellow Icon star yellow
tehillaaahh
This app is easy to use, gets your money fast, and builds your credit with no problem. Easy and low monthly payments. Overall a great app to use when you’re a struggling student.
Icon star yellow Icon star yellow Icon star yellow Icon star yellow Icon star yellow
Westsideck
This app is great! No hassle, you don’t have to send in a bunch of documents for verification...Great for college students who need a boost here and there. Plus it builds credit too!
Icon star yellow Icon star yellow Icon star yellow Icon star yellow Icon star yellow
Joshesc
The BoroCash feature is nothing like ever seen before. I’m a very recent college grad already approved for a micro loan through Boro. This whole venture is so exciting and revolutionary! Love the transparency & simpleness of everything. 👏‍🎓
Icon star yellow Icon star yellow Icon star yellow Icon star yellow Icon star yellow
Bbcheeks44
I really wish I came across this app a long time ago. Super easy loan and you have plenty of time to pay it off :)
Icon star yellow Icon star yellow Icon star yellow Icon star yellow Icon star yellow
Acapella1898
Boro is such a great app! I haven’t had any issues getting money. Even when I called customer service to make sure my payment went through they were super friendly...I plan on using Boro again and I’ve been telling my friends all about it. I hope to become a Boro Ambassador for my university!
Icon star yellow Icon star yellow Icon star yellow Icon star yellow Icon star yellow
AANMRN
I’m a college student so everything is expensive to me...I literally got approved and it was so fast and quick...I’m still in shock you guys don’t know how much you’ve just helped me!
Blog
Fico
Sept 25, 2019
A Student Guide to FICO Credit Score

The first step to improving your credit score is knowing the factors that make it up.

Eligibility

18+
Over 18 years old
Enrolled in a U.S. college or university or graduated recently
Enrolled in a U.S. college or university or graduated recently
U.S. citizens, Green Card holders or A5, C8, F1/OPT, G, H1B, J1, L1, O1 Visa holders
U.S. citizens, Green Card holders or A5, C8, F1/OPT, G, H1B, J1, L1, O1 Visa holders

Where is BoroCash available?

Click the map to see full list
covered states WY WA MT ND MN WI MI OR ID SD IA IL IN OH PA NY VT ME CA NV UT CO KS NE MO KY WV AZ NM OK AR TN NC VA TX FL LA MS AL GA SC NH MD DE NJ CT RI MA
Available state
State Coming soon
A $100 BoroCash loan repaid over 6 months with an APR of 19.9% would have monthly repayments of $17.65, and average monthly interest payments of $1.66.

Where is BoroCash available?

Arkansas, California, Florida, Illinois, Iowa, Michigan, Missouri, Nebraska, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Utah, and Wisconsin.

If your state is not listed here, please stay tuned or contact us as we continue to expand to more locations in the U.S.

Questions or
Concerns?

Consult our FAQ and other resources, or reach out to our chat bot.

* State restrictions may apply.

To qualify for the lowest rates, you must have a responsible financial history and meet other conditions. See APR examples.

To check the rates and terms you qualify for, a soft credit inquiry that will not affect your credit score will be conducted.

Icon scroll to top inverse