Motive Loan Reviews (2023): Is Motive Loan Legit?

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Are you looking for a platform that connects you with licensed lenders across the USA? If so, you are in the right place.

Motive Loan is a type of platform that links borrowers to reputable lenders who are willing to lend you.

Motive Loan Reviews

In this article, we will discuss about Motive Loan Reviews, how Motive Loan works, and Motive Loan Requirements to qualify for a loan.

Motive Loan Reviews

Motive Loan offers services to individuals in the U.S. by providing personal loans online up to $5,000.

The company works with hundreds of reputable lenders so that customers have more options and can select the best options according to their financial needs.

Motive Loan Reviews on various websites, such as Google, Trustpilot, and BBB, are positive. According to some reviews, the company will provide you with a loan quickly when you apply for it.

Motive Loan Highlights

Loan Amount$100-$5,000
APR (Fixed APR)5.99%-35.99%
Loan Term2-7 months
Bad Credit ScoreAccepted
Origination Fee10% of the loan amount
Late FeesYes
Soft Credit PillNo

Motive Loan Requirements

Motive Loan needs you to follow their requirements to qualify for their personal loan. The Motive Loan Requirements are given below:

  1. Applicant must be a resident in one of the U.S. states, except New York
  2. Age should be 18 or above
  3. Active and valid bank account
  4. Be employed and have proof of income

You need to provide some documentation to qualify for a loan, which is given below:

  • Recent pay stubs
  • Government issued photo ID
  • Driver’s license
  • Proof of identity
  • Proof of resident or citizenship permit

The lender may perform a credit check to verify your eligibility to qualify for a loan. In most cases, they may not consider your credit score, which may help you if you have a bad credit score.

How Motive Loans Works

Motive Loan’s purpose is to connect users who need loans with reputable lenders to provide the funds they need.

A step-by-step guide to how motive loan work is given below:

Step 1: First of all, you need to collect all the required documents that you need to apply for Motive Loans. The required documents include recent pay stubs, proof of residency or citizenship, a government-issued photo ID, a driver’s license, and proof of identity.

Step 2: After collecting the necessary documents, you need to fill out the online form at the website. It will take about 2 minutes to fill out the form if you have all the required documents.

Step 3: When you fill out the form, it forwards it to Motive Loans reputable lenders. Motive Loan lenders offer loans up to $5,000.

Step 4: Motive Loans are quick loans; you may get a reply from lenders after a few minutes. The lender will offer you a loan if you are eligible for it.

Step 5: After getting a loan offer from the lender that fits your needs, you can go through the loan agreement. The lender will ask for your signature electronically. When you sign the loan agreement, the lender will transfer the funds into your bank account.

Keep in mind that you agree to the loan terms and conditions offered by the lender after signing the loan agreement. You may get the funds into your account in just one day.

What credit score do you need for Motive Loan?

The credit score requirement for Motive Loan depends on the lender. But applicants need at least a 500 or up to 850 credit score to be eligible for a Motive Loan.

You can also get a Motive Loan even if you have bad credit, but the lender may offer high interest rates and unfavourable terms.

Related Article: How to Get a Loan with Bad Credit

Motive Loan Pros and Cons


  • Variety of offers provided by lenders
  • Quick and easy application process
  • Offer Personals Loans up to $5,000
  • Repay duration of 72 months
  • Bad credit is acceptable
  • Fast funding
  • No prepayment penalty


  • High interest rates for bad credit score applicants
  • No dedicated customer service
  • Not a direct lender
  • Unavailable in New York

Is Motive Loan Legit?

Yes, Motive Loan is a legit company. Motive Loan is not famous, but that doesn’t mean it’s a fraud website.

Motive Loan provides personal loans quickly, meaning you can take a loan from $100 to $5,000 in case of urgent financial needs. Motive Loan also provides loans to lenders who don’t have a good credit score. is a 6-year-old website; generally, an old website cannot be a scam. Scam websites are usually one or two years old.

Motive Loan Phone Number

The contact information for Motive Loan is:


Address: 2885 Sanford Ave SW #42543 Grandville, MI 49418 United States

Motive Loan BBB rating

The better Business Bureau is a non-profit platform that rates businesses according to their performance and services.

But Motive Loan is not BBB accredited, which means Motive Loan is not certified by BBB. The BBB platform doesn’t give any ratings to Motive Loan because it is not BBB registered or certified. The Motive Loan Reviews on BBB by Customers rating is 1/5.

Motive Loans Customer Reviews

There are a variety of Motive Loan Reviews on websites, like Yelp, SuperMoney, Trustpilot, and BBB.

PlatformsCustomers Ratings
North West Financial

Frequently Asked Questions

What is motive loan?

Motive Loan is a financial origination which offers loans quickly and easily to individuals in the USA residents, except New York State residents. They offer loans up to $5,000.

Is motive loan a lender?

No, Motive Loan is not a lender. It is a financial company that provides loans to residents of the U.S. The company is linked with hundreds of lenders, which offer loans to the borrowers.

Is Motive Loan Safe?

Motive Loan is a legit company that offers loans to USA-based individuals. Motive Loan offers loans from $100 to $5,000.

Does Motive Loan charge prepayment fees?

No, Motive Loan doesn’t charge any prepayment fees to its customers. This means you can pay the loan amount early without any additional fees or charges.


Overall, Motive Loan is a good choice if you want a loan quickly. This company offers loans with a low credit score as compared to other platforms. Getting a loan from Moto Loan is quick and easy; you may get the funds on the same day after they approve your loan application. Residents of New York are not eligible for this loan. Motive Loan Reviews are positive on various websites.

In the end, Motive Loan is a good choice if you have a bad credit score. But if your credit score is high, you don’t need platforms like Motive Loans. You can directly apply for a bank loan.

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