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This company has below average rating which means some customers might have not been satisfied with the service.
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.
Want to skip the details? Jump to our final verdict here.
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 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.
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*
*Rewards Level Discounts available for customers paying via ACH
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.
MaxLend Pros and Cons
Pros
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.
Cons
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.
How to Apply for a MaxLend Loan
Step 1
Apply online
Complete an application online by entering information such as the loan amount you’re requesting, your income amount, and your bank details.
Step 2
Verify your information
A customer service representative may give you a quick call to verify your information.
Step 3
Get approved
If approved, you can sign your loan documents online. You can use the MaxLend login to manage your account.
Step 4
Receive your funds
The money will be sent to your bank account and this usually takes one day.
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 ratesare 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:
MaxLend is rated 102 out of 316 companies in total rating and got an average review score of 2.3 based on 41 reviews. Their weakness is Interest & Costs and their strength is Website & Functionality.
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 reward levels are also a great perk, I get bigger fee breaks as a loyal and longer standing customer.
Downsides
No complaints, this company is great.
MaxLendPartnerNovember 29, 2023
Hi Don Mack
Thank you for an outstanding review! We take great pride in providing the best possible service experience for our customers. It’s truly gratifying to hear that you enjoyed our excellent customer service.
If you have any questions or need assistance with your account, please do not hesitate to email us directly at info@maxlend.com or call us at 877-936-4336. We’re available 24 hours a day.
Your feedback is greatly appreciated, and we look forward to continuing to serve you in the future.
Post reply
Mike Chesser 1 review | October 17, 2023
Personal Loan Review
(Edited)
Upsides
1. 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 to a problem I was having with an upcoming payment.
4. I know where I can turn in a pinch.
Downsides
1. Sure, the rate was high but I intend to pay the loan in full very soon so that issue is a moot point.
MaxLendPartnerOctober 23, 2023
Hi Mike Chesser,
Thank you for an outstanding review! We take great pride in providing the best possible service experience for our customers. It is great to hear you enjoyed our excellent customer service! It was a pleasure serving you. If you have any questions or need assistance with your account, please do not hesitate to email us directly at info@maxlend.com or call us at 877-936-4336. We’re available 24 hours a day.
Post reply
Susan3501 1 review | September 17, 2023
General Review
(Edited)
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 doable.
MaxLendPartnerSeptember 20, 2023
Hi Susan,
We take great pride in providing the best possible service experience for our customers. Thank you for an outstanding review! We provide alternative payment options that may help to reduce the overall cost of the loan. If you have any questions or need assistance with your account, please do not hesitate to email us directly at info@maxlend.com or call us at 877-936-4336. We’re available 24 hours a day.
Post reply
Adam Ram 1 review | April 14, 2023
General Review
(Edited)
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 I've already paid over 1000 and balance is now 1760.. lol trash I know, goal is to pay off next month and never use again and tell everyone same.
Adam Ramirez, trash place don't use.
MaxLendPartnerApril 19, 2023
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.
Post reply
Aaron garrett 1 review | October 3, 2022
Personal Loan Review
(Edited)
Upsides
Max lend is a total scam I got a loan for 400 and have to pay back 1800 are you kidding me total scam
Downsides
-
MaxLendPartnerOctober 11, 2022
Hello Aaron Garrett, 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.
MaxLendPartnerOctober 24, 2022
Hello Aaron Garrett,
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.
Post reply
Altagrace Archelus 1 review | September 1, 2022
General Review
(Edited)
MaxLendPartnerDecember 1, 2022
Hi Altagrace Archelus, we appreciate your feedback and would like to discuss your experience in more detail. Please call us at 855-201-4677 for assistance with this matter. We’re available from 7AM – 7PM CT, Monday – Friday.
Post reply
Amanda Rhodes 1 review | August 11, 2022
General Review
(Edited)
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. Not to mention I put my time is contract as night, yet they never call at night. I have maybe 4 different numbers now blocked from them. Very predatory.
MaxLendPartnerSeptember 1, 2022
Hi Amanda,
Thank you for taking the time to share your experience. Your feedback is important to us! To ensure your privacy, we cannot discuss account details here, but we would like to get the details of your experience so that we can properly escalate your concerns. Please email us directly at ombudsman@maxlend.com or call us at 855-201-4677 to discuss. We’re available from 7AM – 7PM CT, Monday – Friday.
Post reply
Byron Scott 1 review | August 7, 2022
Personal Loan Review
(Edited)
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
MaxLendPartnerAugust 11, 2022
Hi Byron, we appreciate your feedback and would like to discuss your experience in more detail. Please call us at 855-201-4677 for assistance with this matter. We’re available from 7AM – 7PM CT, Monday – Friday.
Post reply
Morningstar 1 review | July 28, 2022
Personal Loan Review
(Edited)
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.
MaxLendPartnerOctober 3, 2022
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
Post reply
Iraida L Tinsley 1 review | July 21, 2022
Personal Loan Review
(Edited)
Upsides
-
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 unlawful...had no problem paying back loan....even though I lost my job over 6 months ago and Covid 19 has affected us financially. Shame on Maxlend. Will be getting a lawyer for fraudulent transaction.
MaxLendPartnerNovember 15, 2022
Hi Iraida L Tinsley,
Thanks for sharing your experience. We are sorry that you were dissatisfied with the level of service you received. We strive to provide exceptional service and want to assure you that we are taking the appropriate steps to address your concerns internally. 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.
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This company has below average rating which means some customers might have not been satisfied with the service.
