You help us offer free
credit-building loans


Every time you set up direct deposit or spend $2,500 on your Motiv Visa® debit card, you unlock another free credit-building loan. You can use this yourself, or share it with someone who needs help building their credit. There's no extra cost to you, and no cost to the borrower. 

Why We Do This


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Paying it forward

Every time you use your debit card, Motiv earns a commission from Visa. We pay it forward by using a portion of these commissions to provide free loans that help our customers build credit.

There’s no obligation to set up direct deposit or spend a certain amount. And there's no hidden or extra cost to you. You use Motiv like you would any other bank, and make an impact on the community. It really is that simple.


Measuring The Impact


The estimated annual saving from eliminating check-cashing and money order fees for a customer who joins Motiv via a non-profit.

That covers two weeks of groceries


The estimated credit score improvement for a customer who joins from a non-profit and uses the free credit-building loan.

This lowers the cost of borrowing


The expected reduction in interest payments on loans for a customer who establishes their first credit score through Motiv.

This means lower debt payments

Bank it forward

Make your bank account a force for good.