Rates, Terms & State Availability
Pivot Cash USA is committed to transparency. Find important information about our loan products and where we operate.
Where We Offer Loans
Important Notice Regarding State Availability:
Pivot Cash USA is licensed to operate and offer loans **only** in the states listed below. Loan products, maximum loan amounts, terms, rates, and fees vary significantly by state and are subject to applicable state and federal laws. If your state is not listed, we are currently unable to offer you a loan. We are actively working to expand our services to more states.
Currently Licensed States:
Nevada: Licensed by the Nevada Financial Institutions Division, License #XXXXXX. (See NV Rates)
Utah: Licensed by the Utah Department of Financial Institutions, License #XXXXXX. (See UT Rates)
Missouri: Licensed by the Missouri Division of Finance, License #XXXXXX. (See MO Rates)
Wisconsin: Licensed by the Wisconsin Department of Financial Institutions, License #XXXXXX. (See WI Rates)
Delaware: Licensed by the Office of the State Bank Commissioner, License #XXXXXX. (See DE Rates)
Idaho: Licensed by the Idaho Department of Finance, License #XXXXXX. (See ID Rates)
Texas: Pivot Cash USA is a Credit Access Business (CAB) / Credit Services Organization (CSO) in Texas, License #XXXXXX. Loans are made by an unaffiliated third-party lender and serviced by Pivot Cash USA. (See TX Rates)
Loan Availability by State
Alabama
Not currently available.
Alaska
Not currently available.
California
Not currently available.
New York
Not currently available.
Florida
Not currently available.
Illinois
Not currently available.
Example Loan Rates & Fees
Important Rate Disclaimer:
The Annual Percentage Rates (APRs), fees, and repayment terms shown below are for **example and illustrative purposes only** for the states where we are licensed. Your actual APR, fees, and terms will vary based on your creditworthiness, income, loan amount, loan term, state of residence, and other underwriting factors. Always review your specific loan agreement carefully for exact details before signing.
Nevada - Loan Examples
License #XXXXXX. These are illustrative examples.
Cash Advance (Payday Loan) - NV Example:
If you borrow $300 for 14 days, your estimated fee might be $XX.XX, resulting in an APR of XXX%. Total repayment would be $XXX.XX.
Installment Loan - NV Example:
| Loan Amount | Term | Est. APR Range | Example Bi-Weekly Pmt |
|---|---|---|---|
| $500 | 6 Months | 150% - 290% | ~$60 - $75 |
| $1,000 | 9 Months | 120% - 250% | ~$70 - $90 |
| $2,500 | 12 Months | 90% - 180% | ~$120 - $150 |
Actual terms depend on creditworthiness and underwriting.
Texas - Loan Examples (CSO Model)
CAB License #XXXXXX. Loans arranged with an unaffiliated third-party lender. Fees include lender interest and CAB fees.
Cash Advance (via CSO) - TX Example:
If you borrow $500 for 14 days, the lender's interest might be $X.XX and the CAB fee $XX.XX. Total cost $XXX.XX, APR XXX%.
Installment Loan (via CSO) - TX Example:
For a $1,000 loan with a 6-month term, total repayment including lender interest and CAB fees might be approximately $XXXX.XX, with an APR of XXX%.
These are examples. Refer to your CSO agreement and loan agreement for specific costs.
General Loan Disclosures
Cost of Credit: The cost of your loan, including the Annual Percentage Rate (APR) and any finance charges, will be clearly disclosed to you in your loan agreement, in accordance with the federal Truth in Lending Act (TILA) and applicable state laws.
Repayment: Failure to make timely payments may result in additional fees, charges, collection activities, and may negatively affect your credit history. Please refer to your loan agreement for details on late payment and non-payment fees.
Renewals/Rollovers: Loan renewal policies vary by state and loan product. Renewing or rolling over a loan may result in additional finance charges and is generally not recommended as a long-term financial solution. Some states prohibit rollovers.
Credit Impact: We may report your payment history to one or more specialized credit bureaus. Late or non-payment of your debt may negatively impact your credit score.
Responsible Borrowing: Short-term loans are intended for short-term financial needs and are not a long-term financial solution. Consider all your options and borrow responsibly. If you are experiencing financial difficulties, we encourage you to seek credit counseling.
Pivot Cash USA does not charge any fees for applying. We are a direct lender in some states and a Credit Access Business (CAB) or Credit Services Organization (CSO) in others, arranging loans with unaffiliated third-party lenders. Please see specific state information for details.