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MaxLend is an online tribal lender that offers short-term installment loans of up to $3,000. 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.com, 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 | ⭐⭐⭐ |
Yes, we recommend MaxLend as a reliable lender. Skip to our full review below and see how we rate MaxLend.
Want to skip the details? Jump to our final verdict here.
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 old U.S. citizen Active bank account Regular income Valid 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.
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.
Here are the loan requirements when applying for a MaxLend loan:
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* |
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. |
No prepayment penalty
Ideal for emergency use
Loans are funded in one day
Customer service is available 24/7
Fast online application process
MaxLend has a fast application process that can be done online in a few minutes. They also typically fund loans within one day which is in line with other tribal lenders. There is no prepayment penalty.
Loans aren’t available in every state
High APRs compared to other payday loans
As a tribal lender, MaxLend is not subject to suit or service of process.
One of the main drawbacks of MaxLend is that they may ask high APRs which can often go into triple digits. Compare tribal loans carefully before choosing an offer.
Complete an application online by entering information such as the loan amount you’re requesting, your income amount, and your bank details.
A customer service representative may give you a quick call to verify your information.
If approved, you can sign your loan documents online. You can use the MaxLend login to manage your account.
The money will be sent to your bank account and this usually takes one day.
Chosen 13,979 timesIf 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.
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.
MaxLend offers loans up to $3,000 but first-time borrowers can qualify for up to $1,500.
Yes. MaxLend is wholly-owned and controlled by, the Mandan, Hidatsa, and Arikara Nation, a federally-recognized sovereign American Indian Tribe.
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.
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.
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 |
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.
Read more reviews on Financer.com from verified users below.
Have you used MaxLend before? Leave your review now.
Thank you for this review, Essence. We’re sorry you were disappointed with your experience. We would like to learn more about your situation and address your concerns by clarifying how our loans work. Please feel free to call us directly at 855-201-4677 between 7AM and 7PM CT, Monday – Friday to discuss.
Azriel, thank you for the candid review. We would love the opportunity to discuss the details of your experience and share how our flexible repayment options may reduce the overall cost of the loan. Please call 855-201-4677 to discuss these options. We’re available from 7AM – 7PM CT, Monday – Friday.
Thank you for this review, Azriel. We’re sorry you were disappointed with your experience. We would like to learn more about your situation and address your concerns by clarifying how our loans work. Please feel free to call us directly at 855-201-4677 between 7AM and 7PM CT, Monday – Friday to discuss.
Adam, thank you for the candid review. We would love the opportunity to discuss the details of your experience and share how our flexible repayment options may reduce the overall cost of the loan. Please call 855-201-4677 to discuss these options. We’re available from 7AM – 7PM CT, Monday – Friday.
Hi Wesley,
Your feedback is important to us. We would like to take this opportunity to clarify your loan terms in hopes that we may be able to serve you again in the future. The details of your loan, including the APR, payment amount and due dates, were included in the loan agreement you signed before origination. We offer flexible repayment options that may make the loan more manageable. Please feel free to contact us directly at ombudsman@maxlend.com or 855-201-4677 to discuss these options. We’re available from 7AM – 7PM CT, Monday – Friday.
Hi Wesley,
Your feedback is important to us. We would like to take this opportunity to clarify your loan terms in hopes that we may be able to serve you again in the future. The details of your loan, including the APR, payment amount and due dates, were included in the loan agreement you signed before origination. We offer flexible repayment options that may make the loan more manageable. Please feel free to contact us directly at ombudsman@maxlend.com or 855-201-4677 to discuss these options. We’re available from 7AM – 7PM CT, Monday – Friday.
Thank you for this review, Hughe. We’re sorry you were disappointed with your experience. We would like to learn more about your situation and address your concerns by clarifying how our loans work. Please feel free to call us directly at 855-201-4677 between 7AM and 7PM CT, Monday – Friday to discuss.
Thank you for this review, Gee. We’re sorry you were disappointed with your experience. We would like to learn more about your situation and address your concerns by clarifying how our loans work. Please feel free to call us directly at 855-201-4677 between 7AM and 7PM CT, Monday – Friday to discuss.
Hello A J,
Your feedback is important to us. We would like to take this opportunity to clarify your loan terms in hopes that we may be able to serve you again in the future. The details of your loan, including the APR, payment amount and due dates, were included in the loan agreement you signed before origination. We offer flexible repayment options that may make the loan more manageable. Please feel free to contact us directly at ombudsman@maxlend.com or 855-201-4677 to discuss these options. We’re available from 7AM – 7PM CT, Monday – Friday.
Hello,
We appreciate your feedback. We provide alternative payment options that may help to reduce the overall cost of the loan, and the loan agreements we provide detail the overall cost of the loan, finance charge, loan term, scheduled due dates and payment amounts. A copy of your loan agreement is available to you at any time by logging into your MaxLend account, and we are here to discuss the terms of your loan with you in more detail. Please email us directly at ombudsman@maxlend.com or call us at 855-201-4677. We’re available from 7AM – 7PM CT, Monday – Friday.
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