Motiveloan Review

Motiveloan Review : Quick Loans upto $5,000

Motiveloan is one of the highest rated services all over US in lending market.

To use Motiveloan’s services you need to be eligible with following criteria:

  1. You must be legal U.S. resident
  2. You must be 18 years or Older to be apply on their application
  3. A valid contact details in order to reach you once you qualify for funds
  4. Proof of employment and steady income source will increase your chances being approved, so be ready with them while applying over their online application form.
  5. An active bank account details required for direct deposit once your application is verified.

Safe Application Process:

The entire application and approval process can take as little as 24 hours or a full business day.

The process looks a little like this: Applying for a short-term loan takes only a few minutes.

Then, it takes less than an hour to process your application request and connect you to one of their lenders which suits your requirements.

As soon as the lender is satisfied with the applicant’s information, they can approve or deny their request. If the application is approved, the lender will provide the applicant with a loan agreement.

Then, the applicant must review the terms and conditions and make their credit decision. As Terms and conditions could be different lender to lender, and Motiveloan does not have any control over it.

If consumer’s application rejected, the applicant can repeat the loan request. If accepted, the loan agreement will be e-signed, and the loan amount will be sent to the borrower’s direct deposit account.

Bad Credit Be Approved?

Some lenders in their network need to perform credit verification with traditional credit bureaus; others may just check if an applicant doesn’t have a history of bankruptcies or outstanding debts with other lenders.

In most cases, bad credit or short credit history will not impede applicants from being approved. However, a low credit score and insufficient credit information may influence the loan amount, and lenders’ term offers.

Motiveloan.com is responsible for connecting prospective loan borrowers with lenders who can provide suitable loan options.

Once the two parties are connected, Motiveloan is taken out of the equation, leaving borrowers and lenders to handle any future encounters. If the borrowers who used Motiveloan’s service have issues regarding their loan contracts, they should contact their lenders directly.

They strive to provide you with outstanding customer support and will answer your inquiries as quickly as possible. Based on over thousands of reviews we have concluded that they are doing tremendously within after sales services.

Motiveloan Customer Support

They have Customer centric approach where they provide top notch support since they have been in lending market.

If you have issues with any particular loan deal with one of their lenders, please, contact that lender directly, because we are not authorized to have details regarding any loan agreement you’ve entered.

APR & Repayment Terms

Motiveloan APR
Motiveloan APR : APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers

Annual Percentage Rate (APR) measures the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value the consumer receives to the amount and timing of payments made.

MotiveLoan cannot promise a specific APR as they them self are not lenders but lender connecting service to be more precise . Their lending partners set the APR on loans and repayment terms. since they are not a lenders. An APR can generally run between 5.99% up to 35.99%.

Loan products generally have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within their network, Read the terms of your loan carefully before accepting and signing a loan contract.

Repayment Example:

Loan Term12 Months24 Months48 Months60 Months
Loan Amount$1,000$2,000$5,000$10,000
Interest Rate24%19%13%8%
Fee Cost$30$100$400$1,000
Total Payments$1,134.74$2,419.68$6,320.12$12,136.80
Total Costs$164.72$519.68$1,720.12$3,136.80

Responsible Lending

Responsibility As Part Of Their Business Model

They believe in a simple model, success is based on reputation, and reputation stands on trust. With this formula in their mind, They’ve spent a lot of time building up a strong network of reliable lenders who lends money responsibly in order not to harm any one’s current financial condition by turning it to even worse.

Responsible Lending
Responsible Lending

High Standards for Lenders

They have set up high standards for their lending participants. To be included as financial services providers in their list, they must have a flawless standing in the loans business and strictly follow the letter of the law. Among those laws are:

  • fundamental Fair Lending laws, such as Equal Credit Opportunity Act (ECOA); Fair Housing Act; Fair Credit Reporting Act (FCRA); and Home Mortgage Disclosure Act (HMDA).
  • Truth in Lending Act;
  • The Fair Debt Collection Practices Act;
  • Local legislation covering lending practices in different states of the country.

Their team strongly encourages you to look through all these regulations to get an insight into the lending ethics and your rights.

They also find it crucial to remind you that payday loans aren’t intended to be a financial cure-all. They fit emergencies but cannot solve long-standing budget problems.

If you’re facing a persistent difficult situation, it’s better to seek advice from credit counseling specialists. Do not apply for a payday loan in case you can’t afford repayments.

Financial Implications (Interest & Finance Charges)

Motiveloan.com is not a lender, and They cannot predict what fees and interest rates will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. You are responsible for perusing the loan agreement carefully and accepting the offer only if you agree to all the terms. Motiveloan.com service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

When you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe, according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as Motiveloan.com is not involved in the lending process, They cannot supply any information on the fees you will incur if any disruptions occur. For more information, please contact the lender directly if you have any issues related to your loan repayment.

Potential Impact to Credit Score

Motiveloan.com is not a lender, and they do not check your credit standing and credit capacity. When you submit a request on our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. They will most likely turn to one of the three major credit bureaus: Transunion, Experian, or Equifax. When the lender inquires about your credit via these platforms, that inquiry will be considered a hard inquiry, affecting your credit score.

Collection Practices

Motiveloan.com is not a lender. As such, they are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the loan collection, please address them with your lender. For more information, visit our page for Responsible Lending.

Loan Renewal Policies

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully read and understand the renewal policy presented in the agreement before you sign the documents.


We have analyzed Motiveloan over several critical points, and found to be satisfactory, we believe and consider Motiveloan as responsible and genuine website which is in the business since past 5 years. The consumer rating system also suggest almost similar results as our belief scoring hefty 4.7 out of 5 star rating. We highly recommend Motiveloan to any one who is seeking cash funds in emergency and looking for some genuine service within United State.

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Average rating 4.7 / 5. Vote count: 63874

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Van Hughes
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Van Hughes covers American Politics, economics and business from Cansas. He has worked as a reporter, editor and policy adviser in Dallas, Colorado, Texas and New Mexico.