Review – Scam or Legit Opportunity?

This review is going to be about a website called What is Passive Loan? Is it a scam? Or a legitimate opportunity for you to invest in and get some wonderful returns? Hope do they exactly work? Is it really sustainable in earning continuous profits? These are some of the questions that we will be focusing on in this short review.

Alright without further ado, let’s get things rolling…


Name: Passive LoanPassive-Loan-Review


Owner: ???

Price: Free to join, but min. deposit $25

Rating: 2/5


What is all about?

According to their website, this is what they had to say about themselves:

“Our website name meaning derived from 2 words: ‘Passive’ & ‘Loan’ which represents our vision to create sustainable and self-efficient P2P loan platform. PassiveLoan is about getting a passive stream of profits fueled by the ever-growing demand for P2P lending.”

In other words, it’s called a High Yield Investment Program(HYIP). Basically, a platform where you invest some money hoping to make some profits. I’m sure most of you who have gone through the site would have been convinced that this must be a legit opportunity.

If this is my first time coming across such a program, I probably would have signed up immediately and make a deposit. In fact, I did that a couple of months back when I came across an investment program for the first time. Things didn’t go well for me back then and I personally stopped getting my feet into such programs.

After some research, I found out that their website has been registered on the 20th of September 2016 and will expire exactly 3 years later. This would give you an impression that these guys are in for the long haul? Well, not really. I have invested in a site before that registered it’s domain for 5 years and was just nearing the second year but closed down.

So the registration period doesn’t really mean anything. It’s totally up to the owners to decide when they want to shut the doors. Speaking about owners, I couldn’t find any information on their website on who own’s it. However, they did include details on some of their management team.


Types of Investment Plans?

Unlike many other sites I have come across, seem to only have 2 loan plans.

(1) 5.2% Daily for 30 Days


So basically how it works is you are required to deposit a minimum of $25 to a maximum of $100,000 per transaction. Each day you will receive 5.2% of what you daily invested. So meaning at the end of 30 days you will see a total return of 156%, 56% being your profit.

E.g. Let’s say you decided to invest $200, every day you will be paid $10.40. And after 30 days, you would have a total return of $312. So you have made a profit of $112 in 30 days.


(2) 107% after 5 Days

For those who don’t want to wait 30 days, they have an alternative investment plan that lasts for a period of 5 days. There is no difference between the minimum and maximum you invest from the other plan. The only difference now is, instead of getting paid daily for 30 days, you will now get paid the full 107% at the end of 5 days.

E.g. If you decided to invest $200, at the end of 5 days you will get back $214. Meaning you have made $14 in 5 days. If you compare both the plans, the 107% plan gives you a much lesser($28) return in long term.


How Does it Exactly Work?

Many people fail to understand how this kind investment sites really work. In this section, I would like to shed more light io it. has created a diagram to help everyone understand how their system works.


To sum up, what they are doing is using the new investor’s money to pay off to the people who invested earlier. All investor money will go into the “lender’s pool”, and slowly paid out from there.

This is actually known as a Ponzi Scheme. The only form of revenue coming to this site is from people investing money. Obviously, the company is not going to take out any money from their pocket to pay out to investors.

This kind of business model will always lead to tons of issues down the road. In other words, once the number of people joining and investing has dropped, there are not enough funds to pay existing investors causing problems of investors not getting paid on time or worst case not getting paid at all.

In other words, this is not a sustainable business model. You can NEVER earn passive income in long term with PassiveLoan. You probably could make some profit but if you are expecting to earn passive income all year round, it’s not going to happen.

Once the ratio of people joining has dropped, sites like this will start to think of shutting doors. The problem is, they don’t give a warning that they are going to close down. It can happen at any time and worst is, they run away with your money in their hands. It has happened to me in a few occassions which is the main reason why I have given up on such sites.

Just think about it, the maximum for 1 transaction is $100,000. That’s a crazy load of money. As for myself, I will never invest such a big amount into a site that I don’t really know about. However, there are people who want to make instant money, thus, going an extra mile to even invest all their life savings.



So is a scam?

At the moment, the site is still new and they seem to be paying. But you will have to understand that this is a Ponzi scheme and it’s only a matter of time before they start facing problems and stop paying their investors.

If you ask me, I will suggest that you stay away from this site or any other similar HYIP at all cost. Sometimes, greed and temptation can get the better of you. You might invest small amounts the first time round and make some good returns and the next time you are tempted to invest bigger amounts to make more profits. It may work out well for you or also go against you.

In other words, it’s a high-RISK opportunity. Your money is always at stake. It really can go either way. If you really want to take part in this opportunity, just invest small amounts will do that you can afford to lose. If you make some money, try to use the same money and roll again and again.

That’s a smart way of investing in HYIP. Not increasing your investment amount everytime you make some.

Final Verdict: Not Scam, But Not Recommended


Safe & Solid Way to Make Money Online?

For those of you who are keen in generating good income online, I highly recommend that you Start Your Own Online Business. This is a really safe and solid opportunity because you don’t depend on anybody but yourself. You don’t have to worry about investing money and not getting paid later on.

So… what do I mean by online business?

There are many ways of running your very own online business. Selling your own products, running an e-commerce store, Amazon FBA is a few I can list from the top of my head. But the one that I am most comfortable with and talking about now is called Affiliate Marketing.


Affiliate Marketing means promoting someone else’s products/services and earn commissions from it. There are countless of benefits for this approach which is the reason why I really love it.

Some of them include…

  • You don’t need a huge capital to start
  • Can be done from the comfort of your own home
  • No need to physically get in contact with anyone. Everything is done through the internet.
  • You don’t have to worry about what products to sell or storage space to put your products

It’s really not difficult to get started. All you need is an interest or passion. If you have one, you can build a business around it. I have been doing this for just over a year and have seen more than just great success with it. This opportunity has allowed me to quit my day job and run this entirely from home and the best part…? My income is almost 3 times of what I earned in the corporate world.

Though it is nice to hear… I have to tell you that this didn’t happen overnight. I have put in a great amount of effort to make this work. If you are expecting to make tons of money within a week or month, sorry, this isn’t something for you. You have to put in the effort and give yourself enough time to see success in this.

I know some of you might be thinking right now, how do I get started without any proper understanding or knowledge about Affiliate Marketing & starting an online business. Don’t worry, I have got you covered. I have been using this program called Wealthy Affiliate. It’s an online training platform that teaches you from scratch to building an affiliate marketing business.

If you are interested to find out more, you can check my review on it…

Alright, I have come to the end of my review on I do hope by now you have a better understanding of what it is all about and whether it is something you want to take part in. Those of you who have personally tried are welcomed to share your experiences with us in the discussion section below. Questions are welcomed too.

Thanks for reading…
And I wish you success 🙂



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Hey, I'm Kumar and thanks for dropping by. About a year ago, I was struggling hard to cope with my 9-5 job but now I have quit and started working fulltime from home as an online marketer. The purpose of my website is to help you do the same too. My goal is always to be my own boss and work for myself and I have definitely achieved that. If you want to follow my footstep and start earning money from your own home then you should check out My #1 Recommended Program .


  1. I am happy to read your clear comments of passive loan
    They will cheat you
    I joined clandestine live network and they got away withy investment without paying a penny Thank you Mr Kumar
    .baldev athi

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