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

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Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR. Loan term lengths from 61 Days to 72 months for qualified consumers.

Why Motiveloan.com ?

Motiveloan.com was designed to get the funds you need for all situations, regardless of your credit situation. We can help you get the loan you want, up to $5,000 or more, by providing your information in our secure form.

Why choose us?

  • Free Service

    Motiveloan.com is a 100% free-to-use service. Get lender approval in as fast as three minutes, and your lender can fund your loan as soon as the next business day. You can even start with your mobile device!

  • Financial Reputation

    Depending on your financial situation, enjoy the option to repay your loan over time according to your lender's terms.

  • Fast,Easy And Secure

    The whole process takes a few minutes. All you need to do is fill out our secure form online, After which you will be redirected to the lender's website to review all the details. If you do accept the terms, the lender will deposit the funds directly into your bank account. However, if you disagree with the loan terms, you are under no obligation to accept them.

personal loans

Frequently Asked Question (FAQs)

What Is A Personal Loan?

A personal loan is a medium-term loan repaid in equal monthly payments for minimum 61 Days to maximum 72 Months, usually at a fixed interest rate. Loan offers and eligibility depend on your credit profile. Depending on the lender and your financial standing, you will be able to secure as much as $5,000 in the loan amount.

Are Loan Application Processes Safe?

When you make your request on MotiveLoan.com, we collect your information to process it and find the right loan provider for you. We use industry-leading technology to encrypt your data to ensure that your information is secure and privacy is protected.

Why Do I Need To Renew My Loan?

Often, borrowers are unable to fulfill their payments on time due to particular circumstances. In this case, most lenders allow borrowers to renew their loans for increased interest rates added to the total loan amount.

Read All FAQs

Repayment Terms

Our lenders give you as much as 72 months to repay your loan. View Terms Below.
Lending Period: 61 Days to 72 months
Payment Options: Once to twice a month
Maximum APR: From 5.99% to 35.99%

Representative Repayment Examples

  • 1. If you borrowed $2,000 over a 24 month period and the loan had a 8% arrangement fee ($160), your monthly repayments would be $97.69, with a total pay back amount of $2,344.58 which including the 8% fee paid from the loan amount, would have a total cost of $344.58.
    Effective Representative APR : 15.748%.

  • 2. If you borrowed $3,000 over a 36 month period and the loan had a 8% arrangement fee ($240), your monthly repayments would be $101.53, with a total pay back amount of $3,655.07 which including the 8% fee paid from the loan amount, would have a total cost of $655.07.
    Effective Representative APR : 13.312%.

  • 3. If you borrowed $4,000 over a 48 month period and the loan had a 8% arrangement fee ($320), your monthly repayments would be $105.46, with a total pay back amount of $5,062.26 which including the 8% fee paid from the loan amount, would have a total cost of $1,062.26.
    Effective Representative APR : 12.067%.

APR Disclosures & Repayment Terms

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. Our lending partners set the APR on loans and repayment terms. since we are not a lender ourselves. 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 our network, Read the terms of your loan carefully before accepting and signing a loan contract.

Loan Amount$1,000$2,000$5,000$10,000
Interest Rate24%19%13%8%
Loan Term12 Months24 Months48 Months60 Months
Fee3%5%8%10%
Fee Cost$30$100$400$1,000
Repayment$29.82$100.82$131.67$202.28
APR29.82%24.12%18.23%9.20%
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

Financial Implications (Interest & Finance Charges)

Motiveloan.com is not a lender, and we 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, we 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 we 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, we 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.