How Our Loan Process Works

A simple, transparent, and secure path to getting the funds you need.

Our Straightforward Application Journey

1

Submit Your Application

Begin by filling out our secure online application form. It's designed to be quick and easy, typically taking only a few minutes. You'll provide basic personal details, contact information, income source, and banking information for fund deposit.

Your information is protected with SSL encryption.

2

Receive a Quick Decision

Once submitted, our automated system reviews your application promptly. In most cases, you'll receive an instant decision regarding your loan approval and the amount you qualify for. We value your time.

3

Review & E-Sign Agreement

If approved, you'll receive a clear loan agreement outlining all terms, rates, and repayment schedules. Review it carefully. If you agree, you can electronically sign the documents from anywhere.

4

Funds Deposited

After you've signed the agreement, the approved loan amount is typically deposited directly into your verified bank account via ACH transfer, often as soon as the next business day.

Frequently Asked Questions

What types of loans does Pivot Cash USA offer?
Pivot Cash USA offers two main types of online loans: Cash Advances (often referred to as payday loans) which are short-term loans typically repaid on your next payday, and Installment Loans, which allow for larger amounts to be repaid over several scheduled payments.
What are the basic eligibility requirements?
Generally, to be eligible you must:
  • Be at least 18 years old (or the legal age in your state).
  • Be a U.S. citizen or permanent resident.
  • Have a regular source of income.
  • Have an active checking account in your name.
  • Have a valid email address and phone number.
  • Provide your Social Security Number.
Specific requirements may vary by state.
How quickly can I get my funds?
If your application is approved and you accept the loan terms, funds are typically deposited into your bank account via ACH as soon as the next business day. Funding times may vary depending on your bank's processing times.
Is my information secure?
Yes, protecting your personal and financial information is a top priority. We use industry-standard security measures, including SSL encryption, to protect your data during the application process and beyond. Please review our Privacy Policy for more details.
Do you check credit?
As part of our underwriting process, we may verify your information and perform a credit check with specialized credit bureaus (not typically the major three: Experian, Equifax, TransUnion). This helps us determine loan eligibility and terms. Applying for a loan may affect your credit score with these specialized bureaus.

Have more questions? Contact Our Support Team

Ready to Get Started?

Our simple and secure online application takes just minutes.

Apply for a Loan Now