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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.
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:
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Reviews of MaxLend
MaxLend is rated 104 out of 304 companies in total rating and got an average review score of 3 based on 55 reviews. Their weakness is Interest & Costs and their strength is Website & Functionality.
The team is helpful and friendly, making the experience stress-free.
Downsides
-
MaxLendPartnerJanuary 23, 2024
Dear Donna Ramsey,
Thank you for your outstanding review! At MaxLend, our commitment is to provide the best service experience for our customers, and we are thrilled to hear that you appreciate the excellent service we strive to offer.
Should you have any questions or require assistance with your account, please don’t hesitate to contact us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is available 24 hours a day to assist you.
We value your feedback and eagerly anticipate the opportunity to continue serving you. Thank you for choosing MaxLend!
Best regards,
Post reply
Jody Sutton 1 review | January 23, 2024
General Review
(Edited)
Upsides
MaxLend has been a lifesaver when I needed quick financial help. Their application process is simple and fast, and the approval is speedy. What sets MaxLend apart is their efficiency and transparency – no hidden surprises.
Downsides
not from my experience. I would highly recommend them.
MaxLendPartnerJanuary 23, 2024
Hi Jody Sutton,
Thank you for your outstanding review! At MaxLend, our commitment is to provide the best service experience for our customers, and we are thrilled to hear that you appreciate the excellent service we strive to offer. We look forward to continuing to serve you in the future.
Should you have any questions or require assistance with your account, please don’t hesitate to contact us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is available 24 hours a day to assist you.
We value your feedback and eagerly anticipate the opportunity to continue serving you. Thank you for choosing MaxLend!
Best regards,
Post reply
Susan Mitchell 1 review | January 14, 2024
General Review
(Edited)
Upsides
Quick decision.
Downsides
High interest rates on small loan amount.
MaxLendPartnerJanuary 15, 2024
Dear Susan Mitchell,
Thank you for your outstanding review! At MaxLend, our commitment is to provide the best service experience for our customers, and we are thrilled to hear that you appreciate the quick and excellent service we strive to offer. Keep in mind, we provide alternative payment options that may help to reduce the overall cost of the loan.
Should you have any questions or require assistance with your account, please don’t hesitate to contact us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is available 24 hours a day to assist you.
We value your feedback and eagerly anticipate the opportunity to continue serving you. Thank you for choosing MaxLend!
Best regards,
Post reply
Clinton Joseph 3 reviews | December 18, 2023
General Review
(Edited)
Upsides
Competitive rates. Good customer service. Got my money really quickly. Application process was easy.
Downsides
Great company - no complaints
MaxLendPartnerDecember 28, 2023
Dear Clinton Joseph,
Thank you for your outstanding review! At MaxLend, our commitment is to offer the best service experience for our customers, and we are thrilled to hear that you appreciate the excellent service we provide. We look forward to the opportunity to always serve you.
If you have any questions or need assistance with your account, please don’t hesitate to contact us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is available 24 hours a day to assist you.
We value your feedback and look forward to the opportunity to continue serving you. Thank you for choosing MaxLend!
Best regards,
Post reply
Robin Underwood 3 reviews | December 15, 2023
General Review
(Edited)
Upsides
Great company. Great Service.
Downsides
----------------
MaxLendPartnerDecember 15, 2023
Dear Robin Underwood,
Thank you for your outstanding review! At MaxLend, our commitment is to provide the best service experience for our customers, and we are thrilled to hear that you appreciate the excellent service we strive to offer.
Should you have any questions or require assistance with your account, please don’t hesitate to contact us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is available 24 hours a day to assist you.
We value your feedback and eagerly anticipate the opportunity to continue serving you. Thank you for choosing MaxLend!
Best regards,
Aaron CaudellJanuary 22, 2024
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Post reply
Gabriel 2 reviews | December 15, 2023
General Review
(Edited)
Upsides
I highly recommend MaxLend to those in need of a lending partner that not only meets but surpasses expectations.
Downsides
.......................
MaxLendPartnerDecember 15, 2023
Dear Gabriel,
Thank you for your outstanding review! At MaxLend, our commitment is to provide the best service experience for our customers, and we are thrilled to hear that you appreciate the excellent service we strive to offer. We look forward to continuing to serve you in the future.
Should you have any questions or require assistance with your account, please don’t hesitate to contact us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is available 24 hours a day to assist you.
We value your feedback and eagerly anticipate the opportunity to continue serving you. Thank you for choosing MaxLend!
Best regards,
Post reply
Celia Vasquez 2 reviews | December 15, 2023
General Review
(Edited)
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 for anyone seeking financial assistance.
Downsides
nope...............
MaxLendPartnerDecember 15, 2023
Dear Celia Vasquez,
Thank you for your outstanding review! At MaxLend, our commitment is to offer the best service experience for our customers, and we are thrilled to hear that you appreciate the transparency and excellent service we provide. We look forward to the opportunity to always serve you.
If you have any questions or need assistance with your account, please don’t hesitate to contact us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is available 24 hours a day to assist you.
We value your feedback and look forward to the opportunity to continue serving you. Thank you for choosing MaxLend!
Best regards,
Post reply
Shane Pratt 4 reviews | December 15, 2023
General Review
(Edited)
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.
MaxLendPartnerDecember 15, 2023
Dear Shane Pratt,
Thank you for your outstanding review! At MaxLend, our primary objective is to deliver the best service experience for our customers, and we are thrilled to learn that you appreciate the transparency we provide.
For any inquiries or assistance with your account, please do not hesitate to contact us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is at your service 24 hours a day.
We value your feedback and look forward to the opportunity to continue serving you. Thank you for choosing MaxLend!
Best regards,
Post reply
Matthew Wright 4 reviews | December 15, 2023
General Review
(Edited)
Upsides
MaxLend has truley exceeded my expectations. The entire lending process was seamless, transparent, and surprisingly stress-free.
Downsides
none from my side
MaxLendPartnerDecember 15, 2023
Hi Matthew Wright,
Thank you for your outstanding review! At MaxLend, our goal is to provide the best service experience for our customers, and we are delighted to hear that you found our service seamless, and stress-free.
For any questions or assistance with your account, please feel free to contact us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is available 24 hours a day to assist you.
We value your feedback and eagerly anticipate the opportunity to continue serving you. Thank you for choosing MaxLend!
Best regards,
Post reply
Hester Nielsen 2 reviews | December 14, 2023
General Review
(Edited)
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 with Max Lend was refreshingly quick and hassle-free.
Downsides
Great, great, great
MaxLendPartnerDecember 15, 2023
Hi Hester Nielsen,
Thank you for your outstanding review! At MaxLend, we strive to offer the best service experience for our customers, and we’re thrilled to hear that you enjoyed our quick and easy service.
If you have any questions or need assistance with your account, please feel free to reach out to us directly at info@maxlend.com or by calling us at 877-936-4336. Our team is available 24 hours a day.
We appreciate your feedback and look forward to serving you further!
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