MaxLend provides fast access to cash with a straightforward application process and same-day approval.
However, their installment loans come with extremly high interest rates that can lead to debt cycles for vulnerable borrowers.
While they're transparent about their costs, these products should only be considered as a last resort for genuine financial emergencies when all other options have been exhausted.
Better suited for those who can repay quickly and understand the costs involved.
Fast Access to Emergency Funds: MaxLend offers a streamlined application process with rapid funding, typically depositing approved loan amounts into borrowers' bank accounts within one business day.
Accessible to Borrowers with Poor Credit: Unlike traditional lenders, MaxLend doesn't require a minimum credit score and accepts applicants with bad credit histories.
No Collateral Requirements: MaxLend offers unsecured loans that don't require borrowers to put up any assets as collateral, reducing the risk of losing personal property if repayment becomes challenging.
How MaxLend compares - Financer Score™
Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.
Pricing
20
MaxLend offers short-term loans with extremely high APRs. While they disclose these high costs upfront, their interest rates can reach upwards of 800% depending on the state, making them one of the most expensive lending options available.
Customer Support
40
During our test, we received an answer to our email 3 days after it was sent and the response was automated, surely AI-generated.
Terms and Flexibility
40
While MaxLend offers terms of up to 9 months and has no prepayment penalties (which is positive), they operate under tribal sovereignty which exempts them from many state regulations. This means borrowers have fewer legal protections.
Popularity
94
The popularity score indicates the percentage of customers choosing this company the last 90 days.
Customer Experience
57
MaxLend receives overwhelmingly negative reviews with customers citing predatory interest rates (up to 800% APR), aggressive collection tactics, and hidden fees. Borrowers report difficulty escaping debt cycles and unhelpful customer service.
MaxLend is an online tribal lender that offers short-term installment loans of up to $3,750. New customers can borrow up to $1,500.
MaxLend offers an alternative to payday loans and MaxLend loans can be available as soon as one day and do not require any collateral.
MaxLend is a lender owned by the Mandan, Hidatsa, and Arikara Nation — the Three Affiliated Tribes of the Fort Berthold Reservation, a sovereign nation located within the United States of America.
MaxLend offers quick approval installment loans to help you stay afloat during financially challenging times.
Since the payments are spread out over a period of time in equal installments, it gives you more control over your budget.
At Financer, all lenders go through a thorough research and review process. Here's how we rate MaxLend:
Category
Rating
Affordability
⭐⭐⭐
Application process
⭐⭐⭐⭐
Loan terms
⭐⭐⭐
Transparency
⭐⭐⭐
Customer support
⭐⭐
Overall
⭐⭐⭐
Do We Recommend MaxLend?
Yes, we recommend MaxLend as a reliable lender. Skip to our full review below and see how we rate MaxLend.
MaxLend Overview
MaxLend offers installment loans up to $3,000 with repayments of up to nine months.
You can borrow as much as $3,000 via a MaxLend loan. And if you’re a first-time customer you can apply for up to $1,500.
Here's a quick summary of MaxLend:
Overview
Features
Loan type:
Personal loans
Loan amount:
$100 - $3,000
Loan term:
Up to 9 months
APR:
Between 471% and 841%
Min. credit score:
None
Monthly fees:
Between $12.75 and $59 per $100 borrowed
Payout time:
One business day
Weekend payout:
No
Requirements:
At least 18 years oldU.S. citizenActive bank accountRegular incomeValid phone number and email
MaxLend loans are easily accessible and you can have funds in your account on the following business day.
As a first-time borrower, you can qualify for a loan of up to $1,500 and borrowers with bad credit can apply.
You can make an additional payment toward principal interest on any scheduled payment date. There is also no penalty for early repayment of a MaxLend loan.
Personal loans can be difficult to qualify for if you have bad credit. This is because most personal loans are unsecured so there is no collateral to back up the loan. MaxLend doesn't require collateral and you don't need good credit.
You don't need to provide collateral when taking out a MaxLend installment loan. All you will need to provide is proof of income, a checking account, and a valid social security number.
Availability
MaxLend does not offer loans in these states: Arkansas, Connecticut, Georgia, Hawaii, Illinois, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Vermont, Virginia, Washington, or West Virginia.
Loan Requirements
Here are the loan requirements when applying for a MaxLend loan:
You must be 18 years or older
You must be a US resident
You must have an open checking account
You must have a source of income
Rates & Fees
MaxLend offers fast access to cash, but it has a downside: MaxLend loan fees are quite high, with APRs between 471% and 841%.
In comparison, typical payday loans have APRs of around 400%, according to the Consumer Financial Protection Bureau. This makes MaxLend more expensive than other average payday loans.
MaxLend bases its fees on a rate per $100 borrowed. For example, if you make weekly payments, you'll pay up to $14,75 in fees for every $100 you borrow. With monthly repayments, you'll pay up to $59 for every $100 you borrow.
MaxLends offers loans from $1,500 to $3,000 and the typical repayment period is around nine months for a new borrower.
Weekly Pay Period
Bi-Weekly Pay Period
Semi-Monthly Payment
Monthly Pay Period
New Customer
Up to $14.75
Up to $29.50
Up to $29.50
Up to $59
Returning Customer
$12.75*
$24.50*
$24.50*
$49.00*
Payment Terms
MaxLend offers loan repayment terms of up to nine months. You can settle your loan early with no penalties.
Your repayment dates will typically correspond with your pay dates. Once you've paid your loan in full, you will qualify for MaxLend Preferred Rewards.
There are three ways to pay:
Standard Pay
Payoff Now
Payment Plus
No action needed.
Pay off your entire loan in a single payment.
Add an amount to any scheduled payment.
Payments are collected automatically on the payment dates in your loan document.
Contact customer support at least one day before your payment is due. - One larger payment- Save on fees- Payment based on outstanding principal
Contact customer support at least three days before your payment. - The added amount pays down your principal.- Save on fees.- Choose this option as many times as you want.
How to Apply for a MaxLend Loan
Apply online
Complete an application online by entering information such as the loan amount you’re requesting, your income amount, and your bank details.
Verify your information
A customer service representative may give you a quick call to verify your information.
Get approved
If approved, you can sign your loan documents online. You can use the MaxLend login to manage your account.
Receive your funds
The money will be sent to your bank account and this usually takes one day.
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How Financer Rates MaxLend
If you’re looking to take a loan from Max Lend, all the terms and requirements are not transparent on their website but are provided in detail on your loan agreement.
Although the interest rates are very high on Max Lend loans, if you can manage to repay your loan within the next payday, it can be quite manageable.
Missing payments can mean fees and cause more debt, so it really isn’t something to consider if you’re trying to consolidate a credit card or auto loan.
You can also consider applying for a payday alternative loan from a federal credit union. These small short-term loans can't have interest rates higher than 28%, and you can’t be charged more than $20 to apply.
Is MaxLend legit? Yes. MaxLend is a sovereign enterprise, wholly-owned and controlled by the Mandan, Hidatsa, and Arikara Nation.
Customer Service
MaxLend offers customer service 24/7 via email and telephone. Advance customer service is also available from Mondays to Saturdays.
You can read more MaxLend reviews below.
FAQs
How much can I qualify for?
MaxLend offers loans up to $3,000 but first-time borrowers can qualify for up to $1,500.
Is MaxLend a credible lender?
Yes. MaxLend is wholly-owned and controlled by, the Mandan, Hidatsa, and Arikara Nation, a federally-recognized sovereign American Indian Tribe.
Is my information safe?
Yes. All loan applications are transacted on secure servers and they make use ot industry standard security protocols. Your non-public information is completely confidential and protected.
Can I pay back my loan early?
Yes, you can pay your loan back early without penalty. It may reduce the finance charges you pay. Each loan you pay back in full with no missed or late payments also counts toward advancing levels in MaxLend Preferred, our Rewards program.
MaxLend Alternatives
Here's a list of alternatives to MaxLend and how they compare:
Lender
Reviews
Loan Amount
APR
Max. Loan Term
Bad Credit?
PersonalLoans.com
View
$500 – $35,000
5.99-35.99%
Up to 6 years
Yes
BadCreditLoans
View
$500 – $5,000
5.99-35.99%
Up to 2 years
Yes
CashUSA.com
View
$500 – $10,000
5.99-35.99%
Up to 6 years
Yes
Fast5KLoans
View
$500 – $35,000
5.99-35.99%
Up to 5 years
Yes
More MaxLend Personal Loan Reviews
What Users On the Web Are Saying
MaxLend gets 3.8 out of 5 stars on Trustpilot, with users showing mixed feelings:
Some users were unhappy about the high loan rates, while others felt the service was fast and easy.
More User Reviews - Add Your Rating
Read more reviews on Financer from verified users below.
The funds are delivered quickly. The application process is fast and easy/ Can reapply as soon as the previous loan clears the bank.
Downsides
The interest rate is high but is comparable to other PayDay loans,
B
Buddyleggett
Upsides
Customer service is good
Downsides
They were going to add a 600% interest for a 900$ loan. I would have paid 4,000 in interest if I didn't read the contract carefully. Always read the fine print before signing anything.
R
Royleecampbell
Upsides
Smooth easy and professional transactions. Very transparent with everything!
Downsides
I don't currently have any downside comments. This company is really straight forward with everything
G
Gravens60
Upsides
Quick decision.
Downsides
High interest rates on small loan amount.
MJ
Michael Johnson
Upsides
Competitive rates. Good customer service. Got my money really quickly. Application process was easy.
Downsides
Great company - no complaints
SW
Sarah Williams
Upsides
Great company. Great Service.
Downsides
DM
David Martinez
Upsides
I highly recommend MaxLend to those in need of a lending partner that not only meets but surpasses expectations.
Downsides
.......................
RA
Robert Anderson
Upsides
MaxLend has redefined my expectations for online lending platforms. Their commitment to transparency, user-friendly interface, exceptional customer service, and flexible loan options make them a standout choice. I highly recommend them to anyone seeking reliable financial assistance.
Downsides
nope...............
JT
Jennifer Taylor
Upsides
I appreciated the clarity in presenting loan terms and the easy-to-understand documentation, which made it clear that MaxLend prioritizes transparency.
Downsides
No cons at this time.
L
Leved85060
Upsides
MaxLend has truley exceeded my expectations. The entire lending process was seamless, transparent, and surprisingly stress-free.
Downsides
none from my side
CB
Christopher Brown
Upsides
I can't help but express my genuine appreciation for Max Lend and the invaluable support they provided me during a recent financial crunch. The application process was straightforward and the funds arrived quickly when I needed them most.
Downsides
Great, great, great
AD
Amanda Davis
Upsides
Approval from Max Lend felt like a financial safety net, allowing me to address immediate needs without the burden of a prolonged waiting period!
Downsides
Great service, great company!
MW
Matthew Wilson
Upsides
fair and competitive terms - interest rates and repayment terms were reasonable - flexibility offered allowed me to tailor the loan to my specific financial situation. Overall, a very positive borrowing experience.
Downsides
--- none at all ---
JM
Jessica Moore
Upsides
Throughout the loan application process, I felt informed and aware of all terms and conditions. The interest rates were fair and clearly outlined, eliminating any surprises. The transparency was refreshing and built my trust in the company.
Downsides
DG
Daniel Garcia
Upsides
MaxLend gave me a loan really quickly and the whole process was so easy. The APRs are really good in comparison to other services. The customer service team was helpful and answered all my questions promptly.
Downsides
I couldn't be happier.
AM
Ashley Miller
Upsides
This company is amazing! Their customer service is friendly and professional. I got my money very quickly and their interest rates are very competitive. Their online platform is easy to navigate and makes managing my loan simple.
Downsides
No complaints, this company is great.
M
Mike7320
Upsides
They were there when I needed them the most. Nobody else was. 2. VERY HELPFUL, PROFESSIONAL AND COURTEOUS customer service. 3. Helped find a solution that worked for my situation and made the process smooth.
Downsides
Sure, the rate was high but I intend to pay the loan in full very soon so that issue is a moot point.
SM
Sarah Morris
Upsides
I needed a fast payday loan which are unavailable in my state. I borrowed minimum amount and it was in my account that day.
Downsides
The interest rate was high, but I was able to pay it off in less than a week. The fee was only $23, and very manageable for my emergency situation.
AR
Adam Richardson
Upsides
Approved quick, wanted 1000 ended up pulling 1500, lady wanted me to take 2500.. Thank god didnt
Downsides
The interest that they said nothing bout is trash. Had I known, it's 400% pretty much, a loan you'll never get out of. My 1500 loan ended up costing me thousands more than expected.
A
Altasha75
Upsides
No upsides mentioned
Downsides
No downsides mentioned
LB
Lady Baelish
Upsides
Got "pre-approved" for a loan, went a different route.
Downsides
Now I'm getting calls 5 times a day starting at 7:30 in the morning (which is illegal per harassment laws). From about 3 or 4 different numbers, making it impossible to block them all.
BS
Byron Scott
Upsides
Got approved for amount
Downsides
Still haven't received fund amount and my payment is due Friday…Tried calling and email but no response and the telephones says it's busy
M
Morningstar0198
Upsides
Absolutely nothing good to say, total fraud
Downsides
Total fraud of a company. Borrowing $500 will cost you $300 interest less than a month later.
IT
Iraida Tinsley
Upsides
No upsides mentioned
Downsides
Everything was good until Maxlend took money out of my bank account without authorization. Called them and asked who authorized payment....because I didn't. Which is completely unacceptable and potentially illegal.
TD
Tiffany Diane
Upsides
Nothing
Downsides
Super expensive to borrow. Got less than $300 and ended up paying 5X that back
RT
Robert Thompson
Upsides
The associate I spoke with was very nice and listened to me explain why I was looking for a loan.
Downsides
Even though their rates were higher than some other companies, I was able to pay off my loan early which saved me on fees.
B
Boopn1981
Upsides
Fast to give money
Downsides
We had an agreement for payment schedule. Instead they took the entire amount at once leaving us in a worse situation. Then they were supposed to refund the overpayment but never did.
A
Alaquinezeva45
Upsides
Worst place to get a loan. Interest rate are sky high!!! A loan for $600 and to pay back $3,000!!! Like are you serious? $3,000 for a $600 loan is absolutely predatory and should be illegal.
Downsides
Horrible service, horrible interest rates!!!
TG
Tami Gonzalez
Upsides
They got me the money I needed fast. I'm glad they were there for me.
Downsides
The interest rates are probably on the higher side, but they were so friendly and accommodating.
B
Blackcar6157
Upsides
No upsides mentioned
Downsides
No downsides mentioned
BM
Ben Michie
Upsides
Easy, fast
Downsides
Horrible rates, you'll pay thousands more than what you borrowed. Go hungry before using this corrupt company. P
B
Blackcar6157
Upsides
No upsides mentioned
Downsides
No downsides mentioned
B
Blackcar6157
Upsides
No upsides mentioned
Downsides
No downsides mentioned
MB
Martha Black
Upsides
No upsides mentioned
Downsides
No downsides mentioned
JM
John Matthews
Upsides
Got matched with them and same day $800 was reffered to them by http://easypaydayloan.ga Now im located in GA not sure if it works out of state but the process was quick and straightforward.
Downsides
high and I mean high interest rate
DV
Denise Vezina
Upsides
The worst, shouldn't be legal
Downsides
They lied to me to get a payment, horribly high interest. Terrible.
MB
Martha Black
Upsides
I had a very positive experience in my dealings with MaxLend. They were flexible and reasonable with me, and worked to find a middle ground that suited both parties.
Downsides
I have no complaint about my affairs with MaxLend.
DA
Dan Anderson
Upsides
Zero, this company is shady.
Downsides
Horrible experience after being on the phone with them a total of 2 hours today! Being approved 3 different times, verifying all my info 5-6 times, only to be denied at the end with no clear explanation.
CB
Corrin Black
Upsides
None none none - they make me type at least 10 characters lol NONE
Downsides
I used the lending tree for 10 years to help boost my credit score. I did not need the cash advance. So I received a loan I never requested and now they're harassing me for payment.
B
Bryce8495
Upsides
Dont use this company. If i could give them a ZERO star i would.
Downsides
I've paid them over $900 dollars so far on a $1,500 loan within 3 months and to pay it off, I still need to pay another $1,200. The interest is absolutely predatory.
RG
Ryan Green
Upsides
I informed them of my medical situation, where I was extremely close to having at heart attack (I'm 33, for anyone who's curious and healthy), and they showed zero compassion or willingness to work with me.
Downsides
Worst experience ever, I would not recommend. The most heartless company I've ever dealt with. I had a severe medical emergency that arose that my insurance didn't cover, and they refused to adjust my payment schedule.
CL
Chelsea Leonard
Upsides
NONE! They suck!
Downsides
I had a $950 loan when the woman told me that I would be charged $1300 for the loan I thought thats not bad I can handle that. But that was just the first payment and I ended up paying over $3,000 total.
QS
Quanna Smith
Upsides
Fast approval
Downsides
Their interest rates are off the charts. Highest I ever seen!! And they'll completely rip you off. I had a loan for $175 and they wanted me to pay back over $600 for it.
WP
Whitney Pearson
Upsides
There are NO PROS.
Downsides
This company is a con artist. They rip people off and don't care how much they hurt families as long as they get their money. Stay far away from this predatory lender.
MB
Michelle Brice
Upsides
Please do not use them awful
Downsides
Never again I didn't know what I put myself into the rates you have to paid back it's ridiculous
JE
Jessica Elliott
Upsides
No pros!!!!
Downsides
This company is shit. Would not have even done business had I not been in the predicament that I was in. They started out with reasonable terms and then changed everything once I was locked in.
DM
Dave Mooney
Upsides
I don't have an opinion, don't trust everyone here, they're just in it for the giveaway
Downsides
Do your own research man
BO
Basil Osinachi
Upsides
My friends told me a lot about the company
Downsides
For a loan company they have high interest rates
B
Bowings
Upsides
You get the money fast, and qualifying is easy. You can call customer service to do an app for a loan and are approved quickly with helpful representatives.
Downsides
They have no pay portal like every single other payday loan company. I was on hold for 45 mins to try to pay off my loan, which is extremely inconvenient.
VR
Valarie Rowe
Upsides
No upsides mentioned
Downsides
No downsides mentioned
B
Buckdawg11
Upsides
No upsides mentioned
Downsides
Will not give a repeat customer any better of a rate until you have taken a few loans out. Does not matter if you paid on time or early, they don't reward loyalty.
MM
Miss Motivated
Upsides
Really don't like them, will not be coming back. Took a $400 loan and paid back almost double the loan because I paid it off early, which seems unfair.
Downsides
Lowering the interest rates
L
Leslie
Upsides
For a payday loan company, they are great. The interest and APR is quite high but on par with other payday providers. The difference is their customer service is responsive and helpful.
Downsides
Online support is hard to find, even though telephone support is helpful
JG
James Goolesby
Upsides
They replied to my request very fast, explained well the different terms and answered all of my questions.
Downsides
No complaints
JT
J. Taylor
Upsides
One of the most flexible lenders available. Very happy with their quick support
Downsides
Nothing
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