Who we are
Our website address is: https://motiveloan.com/loans.
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where your data is sent
Visitor comments may be checked through an automated spam detection service.
Thank you for viewing our website. This Privacy Policy conveys to you how we make use of personal info gathered at this site. The privacy practices set forth in this Privacy Policy are for this web site only. If you link to other web sites, please review the privacy policies posted at those sites. You should read through this Privacy Policy before using the web site or submitting any personal details. By using this web site, you are accepting the methods explained in this Privacy Policy. These procedures may be changed, but any changes will be submitted and modifications will only apply to activities and information on a going forward, not retroactive basis. Visitors are invited to look at the Privacy Policy anytime you visit the site to ensure that you understand how any personal details you supply will be used.We are not a lender and do not make loans or credit decisions. We will guide you a list of recommended lenders based on your profile . We do not ask for a social security #, payment info, or other confidential information. Our service is FREE, we do not sell your information to others, we do not spam you, and our goal is to recommend lenders. We will NEVER contact you asking you for any type of fee or money. We prefer giving you the list of lenders directly so that you can choose which lenders, if any, you want to use. Also, please understand that we cannot help everyone but we will do everything we can to help you find a legitimate lender or research a lender you are thinking about using.
Collection of Information
This web site may collect individually recognizable details, like names, addresses, email addresses, etc., when voluntarily posted by our visitors. The information you supply is used to fulfill your particular request. This information is solely utilized to meet your specific request, except if you provide us authorization to use it in another way (such as to add you to one of our mailing lists).
Cookie & Tracking Technology
This site may use cookie and tracking technologies depending on the features available. Cookie and tracking technology are useful for gathering information such as operating system and browser type, tracking the number of visitors to the web site, and understanding how web site visitors use the web site. Cookies can also help customize the web site for visitors. Personal information can not be obtained via cookies and other tracking technologies; however, if you previously supplied personal information, cookies could be tied to such information. Aggregate cookie and tracking information may possibly be shared with third parties.
Distribution of Information
We may reveal information with government institutions or other organizations assisting us in fraud deterrence or analysis. We may do so when (1) permitted or required by law; and/or, (2) seeking to safeguard against or stop actual or potential fraud or unauthorized dealings; and/or, (3) examining fraud which has previously occurred. Information is not granted to these organizations for marketing purposes.
Commitment to Data Security
Your personally identifiable information is secure. Only authorized employees, agents and contractors (who have agreed to keep information secure and confidential) have access to this information. All emails and newsletters from this website enable you to opt-out of further messages.
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 Rate | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Fee | 3% | 5% | 8% | 10% |
| Fee Cost | $30 | $100 | $400 | $1,000 |
| Repayment | $29.82 | $100.82 | $131.67 | $202.28 |
| APR | 29.82% | 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.