Is Motive Loan Legit

Is Motive Loan Legit? – Motive Loan Review | The Truth!

Motive Loan is a referral service that connects users with licensed lenders located throughout the United States of America that are willing to provide personal loans online up to $5,000 fast, effortlessly, and securely.

The organization collaborates with a large network of trustworthy lenders to provide consumers with additional options and the ability to choose the best deals for their needs and budget.

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Company name Motive Loan
Founded Unknown
Address 2885 Sanford Ave SW #42543 Grandville, MI 49418, United States
Phone number No
Email [email protected]


  • Loans from a variety of sources
  • Online application is simple and quick.
  • Loans up to $5,000
  • Possibly opportunistic funding
  • Payments are made once or twice a month.
  • 72-month repayment period
  • Credit problems are acceptable.
  • There is no prepayment penalty.
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  • Not a lender directly
  • There is no customer support telephone number.
  • Not available in New York

In general, Motive Loan is a convenient approach to rapidly discover the finest loan. If your credit is fair or low, obtaining a payday loan might be challenging, but this business has significantly simplified the process.

This website is designed for individuals who have poor credit or have already filed for bankruptcy. Nota bene, New York citizens are ineligible to use the program to request a loan.

Types of loans

Personal loans ranging from $100 to $5,000 are available through Motive Loan. They do note, however, that not all lenders in their network offer loans of up to $5,000.

Personal loans are frequently used for debt consolidation, home improvement, relocation expenses, emergency expenses, appliance purchases, vehicle finance, wedding expenses, and medical treatment, among other things.

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Borrowing Requirements

To qualify for a personal loan from Motive Loan, you must normally meet the following criteria.

Legally dwell in one of the United States of America’s states (excluding New York);

Must be at least 18 years old;

Possess a valid bank account in your name; Be employed and able to demonstrate your income.

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While our lenders may do a credit check to establish your reliability, in most situations, they will not use your credit history as the primary factor in approving your loan request.

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What is Motive Loan? bills itself as a loan referral business that connects borrowers with lenders seeking small personal loans.

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They advertise loans ranging from $100 to $5,000 that are quick and easy to obtain.

Additionally, Motive Loan offers an easy application and approval process for folks with poor credit who would otherwise be unable to obtain a loan elsewhere.

However, are they genuine? Is it a good idea to visit their website? We conducted research so you don’t have to.

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Is Motive Loan Legitimate?

Maybe. Numerous complaints regarding Motive Loans have been lodged online. They currently have a F rating with the Better Business Bureau (also known as the Better Business Bureau, which is a trusted organization that helps consumers find and rate businesses).

An F grade is a warning indicator; it indicates a company’s overall negative reputation or a history of complaints.

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Motive Loan was also flagged as a questionable platform by the Financial Conduct Authority, the UK’s most trusted regulatory organization.

Additionally, we dug deeper into customer reviews. While these are not always reliable sources of information, they can provide some insight.

Numerous people have complained online about not receiving a response to their application or simply not obtaining their loan.

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Others have had positive experiences and have been successful in receiving money. Thus, while there is no way to definitively determine whether Motive Loan is a scam, our analysis indicates that there are sufficient warning signs to raise an eyebrow.

Is Motive Loan Legit

Motive Loan: What do They Offer?

Motive Loan, according to their website, offers loans with repayment lengths ranging from six to twelve months. APR and interest rates are determined by a variety of criteria, including your income and credit score.

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Their advertised annual percentage rates range from 5.99 to 35.99 percent. We were unable to locate any user reviews indicating that these rates were accurate.

Additionally, they require you to be:

  • 18 years of age
  • A citizen of the United States
  • Demonstrate a consistent source of income
  • Possess an active checking account
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We discovered that these restrictions are pretty widespread across all loan websites.

A Deeper Dive into Motive Loans

After perusing the Motive Loan website, we discovered a few additional issues. There are multiple spelling errors on the F.A.Q. page (in fact, there are a plethora of spelling errors).

This can occasionally be a red flag for a suspect or unauthorized website. Again, there is no way to authenticate the site’s veracity, but we want to disclose all of the material we discovered so that users may make their own judgments.

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Motive Loans may be able to connect you to a lender even if you are not qualified for loans elsewhere.

Their objective is to give you all of the facts. Here is a quick overview of some of the website’s advantages and disadvantages.


  • The website is completely free.
  • A few favourable reviews
  • It takes approximately two minutes to apply.
  • It is acceptable to have poor credit.
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Potential Drawbacks:

  • Numerous negative customer reviews
  • Rate of response is insufficient
  • Not accessible in the city of New York
  • Targets low income/inadequate credit
  • Loan amounts are limited to $5,000.
  • BBB rating is substandard.
  • Legitimacy in doubt

Classic Scam Warning Signs

Nowadays, it’s difficult to discern what is legitimate and what is not, particularly online. Scams and phony websites are prevalent. However, few things are more critical than ensuring the security of your private banking information.

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You should never provide your social security number, bank account information, or credit card information to a website unless you trust it.

Thus, here are the characteristics we recommend looking for when evaluating online loan services such as Motive Loans.

Online lenders should never:

  • Put your bank account on hold
  • Unauthorized withdrawals from your account
  • Request that you deposit additional funds into your account.
  • Contact you to seek payment of debts or outstanding taxes
  • Call you unexpectedly and request personal information
  • Request that funds be transferred by prepaid or gift card.
  • We will contact you with discounted pricing and an urgent request for action.
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Email, Social Media, SMS, and Text Scams

You receive a communication out of the blue and have no way of knowing who or where it came from.

You received an email suggesting that you complete an action, such as providing them with your personal information.

You receive communication that has grammatical and spelling problems.

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You are asked to click on a questionable link or attachment in the communication.

The communication instils a sense of urgency in you to act immediately, warning you that failure to do so may result in the loss of vital information or an incredible special.

  • Phone Scams

A dubious contact from someone claiming to be from the government requesting financial assistance

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A telephone call from someone claiming to be from the IRS or another tax authority, seeking payment for overdue taxes.

A request to settle a debt, taxes, or any other sum owed and require payment via courier, prepaid bank card, or gift card.

A caller seeks your personal information or information about your banking, credit card, or investment accounts.

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An anonymous person contacts you with an extraordinary offer and presses you to act immediately to secure it.

Shopping Online Scams and Fake Websites

Websites that do not include the secure protocol “https” in the hyperlink or the padlock icon in the address bar

Websites and pages that elicit an emotional response

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Websites that offer discounts that appear to be too good to be true

Without safe payment alternatives such as wire transfers, international cash transfers, money orders, pre-loaded gift cards, and cryptocurrency, websites

Online Classifieds ads

The classified advertisement cannot give evidence of the item for sale, whilst the seller can only provide a generic photo taken online.

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Never rely on photographs alone; always insist on physically viewing and inspecting the item.

The classified advertisement sells products or services at rock-bottom costs, frequently lower than comparable websites.

The seller claims to be unavailable or overseas and requires payment prior to the products being delivered.

The seller requests payment in the form of foreign money orders, cheques, direct bank wire transfers, or bitcoin and will not take any other form of secure payment.

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Customer SupportĀ 

Grandville, Michigan 49418 United States 2885 Sanford Ave SW #42543

Final Remarks

After conducting research on Motive Loan, it appears that there is insufficient information to evaluate whether they are a legitimate website in which we can place our trust.

However, according to on our study, which included reading user reviews and examining the ratings on reputable websites, people should proceed with care when using Motive Loan.

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Always exercise caution while transmitting confidential information over the Internet.

There are numerous additional loan websites that are reputable and approved, including ones for folks with poor credit.

The final result is that we would suggest visiting alternative websites prior to providing personal information to Motive Loans.

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