December 2025 Square Loans

[beautyspabrow]

This is my 18th loan with square, these loans have helped build my business tremendously since 2019. my lowest offer being 2100 to now paying off my highest of 38,900 - 80% paid off - always early pay off before the due date metrics.. I know the usual square verbiage "no guarantee of an offer, must be 3/4th paid for any hopes" etc.. just wondering if anyone please in similar shoes as me, has seen an offer in December yet? I desperately need this holiday boost , all metrics green and I could almost swear id have one by now .. usually I hit from lowest 54% to highest 87% but majority have been BEFORE hitting 80%... getting anxious. Anybody getting a loan recently?

[DHVAC]

I paid off 4 loans in a row early. Been 3 weeks now, and still no offer?!. Very frustrating. Customer service is pointless to call, same answer over and over. Square, please take care of your good customers.

[MPAV]

ive had my 5th paid off for a month now sales are up 70k from my last years sales. no chargebacks no returns, no issues just Square fees for processing and still nothjng here either I cant even view the eligibility factors page so I dont even  know what I need to work onto maybe get a loan in the future it sucks.

[selectorseattle]

Well, update from me, I got one today. I think it was the lowest one ever, this would be my 6th one. But very happy to get one today, which is my freakin birthday, so an unbeknownst birthday gift from Square. I'll happily take what I can get. Was at 90% paid off, so hang in there folks if you're around that payoff amount.

[DHVAC]

I paid my 4th loan off 2 weeks ago, all 4 paid early, never got one offer even at 75% paid off. Still no offer, and the same info from customer service over and over. 

[MPAV]

Glad to hear it and congrats. Wish i coild even be able to view my eligibility factors or even get help with why i cant but guess not...

[Twpchair]

Ugh, sorry 💔 for the lower offer, but Happy Birthday to you!!! Thank you for keeping everyone posted. 

[MPAV]

So i just got an email from the loans team that says this is why I am unable to view the eligibility factors page...

"It is because of my current account activity"

So my account activity is why I cannot view the eligibility factors page????

Ill post full text of email I received but tell me how this makes any sense at all...

"The purpose of the eligibility page located in your dashboard is to gain more insight into the status of your Square Loans eligibility. We take your business’s data and compare it to key factors that determine eligibility, such as processing volume, payment frequency, and account activity. If any of your eligibility factors need work, you can look at the tips we provide to strengthen your chances of becoming eligible.

However, the reason you are unable to view your eligibility page at this time is due to your current account activity. Therefore, we are unable to evaluate your eligibility for a Square loan at this time. "

So I.am now again at a total loss as too why my acct activity makes me unable to have my acct even reviewed for a.loan offer as thats what theh just told me is what the eligibility factors page shows you so you know what needs work but then said I cant view it though and they also said they cant even review my acct for eligibility because of my current acct activity which is the same as it always has been this is  such a joke.

[Twpchair]

Without any information to go on, it would be pure speculation on my part. I believe that the account “activities” that I see on my end processing up, the amount of swipes, new vs return customers, etc. Are the normal ones you see with the metrics? Again, I'd check your emails to know when this all started if you didn't receive any regarding it. As I said, it would be pure speculation of “what if” on my end. I understand the letter, but I think you might be missing an email or something regarding your loan eligibility. If you call customer service back, you might want to ask whether they have any emails regarding this matter and whether they could resend them. Good luck, and I wish I could help more. This is above me, but I would definitely reach back out by calling them. Asking here is difficult, especially when you want answers, and unfortunately, they can't give out much because this is a public forum, and personal information needs to stay with you and be kept safe. My motto with customer service calls: you're only one away from a different perspective 😳😂. Truly good wishes your way. 

[kacey_k]

My most recent one was my lowest yet as well. It’s crazy cause I’ve made way more than I had in loans prior but I did go part time and now currently on part part time branching out on my own soon as a mobile salon. 

[DHVAC]

4 loans paid early here, last one 2 weeks ago. And no offer, not once, even at 75% paid off. Customer service says the same thing over and over. No reason why im not getting a offer. 

[MPAV]

I paid my last loan off a month ago, no.disputes no chargebacks 9k in processing in last 30 days and 11k month before that and nada here too so I feel you pain.