Our $300 credit-building loan is like a savings plan that also builds your credit history. It's a simple, free way to build credit, without going into debt. If your credit is solid, you can also share your free loan with someone who needs a hand building their credit.

Too good to be true? Check out our mission.

How it works

 Motiv's credit building plan helps you strengthen your credit score and build savings at the same time.

Commit to save.

The loan works like a twelve-month savings plan. When you sign up, we put $300 in a separate, credit-building account. You begin to save towards this balance.


Stick with it.

Every month for twelve months, we'll automatically transfer $25 from your core Motiv account into your credit-building account at no charge. We report each transfer to the credit bureaus, which builds your credit profile.


See the results.

At the end of twelve months, you've paid off the loan. We transfer the $300 you've saved back to your core Motiv account, reporting the loan to the credit bureaus as repaid in full. You'll have strengthened your credit score and saved up $300. All at no cost.

63H copy.jpg

Get Started

You're eligible for a free credit-building loan once you set up a recurring direct deposit, spend $2,500 on your Motiv Visa® debit card, or are enrolled through one of our non-profit partners. Please let us know if you're struggling to meet one of those requirements; we'll find a way to get you set up with a free loan.


Bank For Change Today

Sign up and start banking with an impact in as little as 3 minutes.