PowerLoan provide no information about who owns or runs the business on their website.

The CEO of PowerLoan is cited only as “Johan” and likely doesn’t exist.

The PowerLoan website domain (“powerloan.io”) was privately registered on January 22nd, 2018.

As always, if an MLM company is not openly upfront about who is running or owns it, think long and hard about joining and/or handing over any money.

PowerLoan Products

PowerLoan has no retailable products or services, with affiliates only able to market PowerLoan affiliate membership itself.

The PowerLoan Compensation Plan

PowerLoan affiliates acquire pre-generated POWL points from the company’s anonymous owners.

POWL points are sold to PowerLoan affiliates for 50 cents to $1.10 each.

Once acquired, POWL points are “lent” back to PowerLoan on the promise of an advertised daily ROI of up to 1.5%.

  • Package A – up to 1.5% a day for 60 days
  • Package B – up to 1.5% a day for 90 days
  • Package C – up to 1.5% a day for 180 days

A bonus ROI rate multiplier is applied based on how much a PowerLoan affiliate invests:

  • invest 0.01 to $1000 and receive a 1.1x multiplier (up to 1.65% daily)
  • invest $1000.01 to $5000 and receive a 1.2x multiplier (up to 1.8% daily)
  • invest $5000.01 or more and receive a 1.35x multiplier (up to 2.025% daily)

PowerLoan pay referral commissions via a unilevel compensation structure.

A unilevel compensation structure places an affiliate at the top of a unilevel team, with every personally recruited affiliate placed directly under them (level 1):

If any level 1 affiliates recruit new affiliates, they are placed on level 2 of the original affiliate’s unilevel team.

If any level 2 affiliates recruit new affiliates, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

PowerLoan cap payable unilevel levels at five, with commissions paid out as a percentage of invested funds as follows:

  • level 1 (personally recruited affiliates) – 8% on invested funds and 0.25% of daily ROI payments
  • level 2 – 4% on invested funds and 0.2% of daily ROI payments
  • level 3 – 2% on invested funds and 0.15% of daily ROI payments
  • levels 4 and 5 – 1% on invested funds and 0.05% of daily ROI payments

Joining PowerLoan

PowerLoan affiliate membership is free, however free affiliates only earn referral commissions.

Full participation in the PowerLoan MLM opportunity requires a minimum 50 cent investment in POWL points.


PowerLoan claim to generate external revenue through

Investment in businesses targeting consumer grade renewable energy technology and smart home technology … (and the) creation of tokenized green energy and technology blockchain, where tokens can be utilized to procure services from green datacenters and e-services.

PowerLoan provide no evidence of either external ROI method taking place, leaving new affiliate investment as the sole source of revenue entering the company.

Using newly invested funds to pay existing investors a daily ROI of up to 1.5% makes PowerLoan a Ponzi scheme.

Lending ICO Ponzis like PowerLoan play out as follows:

Admins (who are typically anonymous) offload worthless pre-generated points in exchange for real money. In this case it’s POWL points.

PowerLoan’s admins then use some of this money to pay promised ROIs for as long as new affiliates sign up.

Once affiliate recruitment dries up so does PowerLoan’s ROI reserve.

When a predetermined threshold is reached, PowerLoan’s anonymous admins do a runner with what’s left.

Early PowerLoan investors make a bit of money (mostly via recruitment of new investors). But same as any other Ponzi scheme, the reality of such scams is that the majority of participants eventually lose money.

BitConnect and DavorCoin are recent examples of ICO lending Ponzi collapses in action.