Our Loan Products
Find the right financial solution to meet your needs, whether short-term or longer-term.
Cash Advance Loans
A cash advance, sometimes called a payday loan, is designed to provide you with quick access to a small amount of money to cover immediate, unexpected expenses until your next paycheck. It's a short-term financial tool.
Best For:
- Urgent car repairs
- Unexpected medical bills
- Emergency home repairs
- Covering a small, temporary cash shortfall
Key Features:
- Loan Amounts: Typically $100 - $1,000 (varies by state).
- Repayment Term: Usually repaid in full on your next payday (2-4 weeks).
- Process: Quick online application and fast funding.
Installment Loans
Installment loans offer access to larger loan amounts compared to cash advances, with the flexibility of repaying the loan over a longer period through scheduled, fixed payments (installments).
Best For:
- Consolidating higher-interest debts
- Larger unexpected expenses (e.g., major appliance replacement)
- Planned purchases where you prefer to spread payments
- Building credit history (with on-time payments, if reported)
Key Features:
- Loan Amounts: Typically $500 - $5,000+ (varies by state and creditworthiness).
- Repayment Term: Several months to a few years, with fixed payments.
- Predictable Payments: Easier to budget for.
General Eligibility
While specific requirements can vary by state and loan product, here are some general criteria to qualify for a loan with Pivot Cash USA:
- Be at least 18 years old (or age of majority in your state).
- Be a U.S. citizen or permanent resident.
- Have a valid Social Security Number.
- Have a regular, verifiable source of income.
- Have an active checking account in your name.
- Have a valid email address and phone number.
Meeting these general requirements does not guarantee loan approval. All applications are subject to underwriting and verification.
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