MaxLend? Here’s the Real Deal in 60 Seconds!
MaxLend is a direct online lender that provides short-term installment loans as an alternative to traditional payday loans.
The company allows borrowers to complete a simple online application and, if approved, receive funds directly into their bank account. Repayment is structured in fixed installments rather than a lump sum, offering more flexibility than payday loans but often at a much higher cost.
Read Full ReviewMaxLend Details Review
Details
| Details | Category |
| Min Credit Score | No minimum credit score (All credit types accepted) |
| Loan Amount | $100-$3,750 |
| Loan Types | Installment loans |
| Online Experience | Yes |
| Funding Time | Same day or next business day |
| Lender Type | Direct lender |
| APR (Fixed Rate) | 471%-841% |
| Availability | Available in most states except: AR, CT, GA, HI, IL, MA, MN, NJ, NY, ND, PA, VT, VA, WA, WV |
| Soft Credit Pull | Yes |
| Repayment Flexibility | Based on your pay dates |
Pros & Cons
Pros
- Simple online application
- Accepts all credit types
- Same day funding available
- Direct lender
Cons
- High APRs
- Limited loan amounts
- Not BBB accredited
- Not available in all 50 states
Contact Info
- customerservice@maxlend.com
- 877-936-4336
- 217 3rd Avenue NE, Parshall, ND 58770
- 24/7
- Yes
Features
- Serves bad credit borrowers
- No pre-payment penalty
- Preferred rewards program
- 24/7 customer service
How To Qualify
To qualify for a loan with MaxLend, borrowers must meet basic eligibility requirements:
- Be at least 18 years old and a U.S. resident
- Have a steady, verifiable source of income
- Use a checking account where your income is deposited
- Ensure your account has been open long enough to meet MaxLend’s minimum requirements (MaxLend does not specify how long that is)
- Not be in an active bankruptcy case or planning to file for bankruptcy
Submitting an application with MaxLend does not guarantee approval. Meeting the basic eligibility criteria allows you to apply, but final loan approval, terms, and amounts are determined solely by MaxLend after reviewing your application and verified information.
What makes this review trustworthy
"We do not receive compensation from the companies featured on this site, so our reviews are written independently and are not influenced by placement or ranking. ""MaxLend"" is not connected to or endorsed by MontanaCapital™. All product names, company names, and logos are the property of their respective owners. Their mention here does not imply any partnership, sponsorship, or endorsement between us and MontanaCapital™ or vice versa. We make every effort to provide accurate and up-to-date information, but details can change. Always verify the latest terms, rates, and product details directly with the provider before making any financial decisions."
How To Apply
Applying with MaxLend is quick, can be done fully online or over the phone. The process usually takes a few minutes, and if approved, funds can be deposited as soon as the same business day. Here’s how it works:
Complete Online Application
Start by filling out MaxLend’s secure form with your personal, financial, and banking information. The process usually takes less than 10 minutes.
Application Review
MaxLend reviews your request by checking standard information like credit history and income, as well as other details such as your banking or bill-payment history. After you apply, an agent may contact you to confirm your identity and ask for documents before approval.
Review Loan Terms
If you qualify, MaxLend presents the loan amount, APR, repayment schedule, and total cost. Review the details carefully to ensure the terms meet your needs.
Accept And Receive Funds
If you accept the offer, e-sign the loan agreement directly with MaxLend. Funds may be deposited into your account the same day if the loan process is completed by 11:45am est.
Follow Repayment Schedule
Make payments according to the fixed installment plan outlined in your agreement. Always confirm the due dates and amounts.
Details You’ll Need To Provide In Your Initial Application
- First and last name
- Date of birth
- Social Security number
- Mobile phone and email address
- Current home address and housing status (rent/own)
- Source of income and net monthly income
- Pay frequency and employment details
- Bank routing and account numbers (must have an active checking account)
Is MaxLend Legit and Can It Be Trusted?
Yes, MaxLend is a legitimate online lender that operates as a tribal lending entity, owned by the Mandan, Hidatsa, and Arikara Nation.
It has been offering installment loans for years and provides a real service to borrowers who struggle to access traditional credit.
That said, MaxLend’s loans are regulated under tribal law, not state law. This allows the company to charge much higher APRs than most conventional lenders.
Why MaxLend Might Not Be Your Best Option
MaxLend makes it easy to apply online and provides fast funding, but the high costs and limited loan sizes often make it less appealing compared to other options.
Borrowers should weigh the following concerns before applying:
Extremely High APRs
Rates can reach triple digits, making loans very expensive.
Limited Loan Amounts
Borrowers are generally limited to borrow between $100–$3,750.
Risk Of Debt Cycle
High costs and short repayment terms may trap borrowers in repeated borrowing.
How To Qualify For MaxLend
To be eligible, applicants must:
- Be at least 18 years old and a U.S. resident
- Have a verifiable source of income deposited into a checking account
- Open checking account that meets MaxLend’s minimum duration requirements
- Not be in an active bankruptcy case or planning to file for bankruptcy
Meeting these requirements allows you to apply, but loan approval, terms, and amounts are determined solely by MaxLend after reviewing your application and verified information.
Process & Time Frame
The online application usually takes about 10 minutes. Loan decisions are often made within minutes, though some applicants may need to provide additional verification.
If approved before 11:45 AM EST, loan funds may be available the same business day, otherwise, funding is typically deposited the next business day. Repayment is set in installments over 9 months, based on how often you get paid.
How Will The Loan Process Work?
Apply Online
Submit your information through MaxLend’s secure form.
Get Approved
MaxLend reviews your application and may request identity or income verification.
Confirm & Sign
If approved, review the loan agreement and repayment schedule before signing.
Receive Your Funds
Approved funds are deposited directly into your bank account, sometimes the same day.
Alternatives To Consider
If MaxLend’s high APRs or loan limits concern you, there are other bad credit platforms that may offer more favorable terms.
Look into online marketplaces that connect you with multiple lenders, or direct lenders that serve bad credit borrowers. Comparing several of these options side by side can help you find a loan that balances cost, repayment flexibility, and clarity.
4.5
Credible Reviews
$1k-$250k
6.49%-35.99%
12-120 months
Good For: Personal Loans, Student Loans, Mortage Loans
2.7
CashUSA Reviews
$500-$10k
Not disclosed on wesbite but based on research 5.99% – 35.99%
Good For: Personal Loans with Limited Credit Options
2
Lending for Bad Credit Reviews
$100-$40k
Up to 35.99%
3-180 Months
Good for: Personal Loan or Cash Advance
FAQs
Does MaxLend Check Your Credit?
Yes, MaxLend reviews your credit using alternative credit reporting services, not the major credit bureaus. This means applying usually won’t affect your traditional credit score.
Approval is based more on income, bank account history, and repayment ability.
What Are The Risks of Tribal Loans?
Tribal loans are regulated under tribal law, not state law. That means higher APRs are allowed, and your legal protections are limited.
Disputes are resolved through tribal processes or arbitration, not state or federal courts.
When Will I Need to Repay My Loan?
MaxLend loans are paid back in installments, not a single lump sum. Depending on your loan agreement payments are due on your pay day.
You can pay early without penalty, but late or missed payments may trigger extra fees.
MaxLend Reddit Review Summary
Reddit users share more negatives than positives about MaxLend. Some regret applying; others warn about costly terms and how quickly things go downhill.
- One user said they filled out their SSN, bank routing number, and other detailed info before realizing how unfavorable the terms were
- Complaints include unforeseen fees, payments not reducing what’s owed, and withdrawals of funds without clear notice
- Major complaints include extremely high interest rates and fees
MaxLend BBB Reviews And Complaints
| Category | Details |
| BBB Accredited | No |
| BBB Ratings | C+ |
| BBB Customer Reviews | 2.34 out of 5 stars (based on 88 reviews) |
BBB’s profile notes that MaxLend has been operating since 2012. BBB notes a pattern of complaints, with users citing unclear payment processing, poor customer service, and delays in check payments.
The rating and number of complaints suggest potential concerns around transparency and customer support.
Customer review verified: Sept 16, 2025
MaxLend Bottom Line: Finding The Right Personal Loan
MaxLend offers fast installment loans with same day funding, providing more flexibility than payday loans. However, extremely high APRs, small loan amounts, and limited availability make it one of the costliest credit options.
If you qualify elsewhere, you may find better rates and more transparency through marketplaces, or personal loan lenders.
MaxLend Summary of Brand Disclaimer
MaxLend is a tribally owned lender regulated by the Mandan, Hidatsa, and Arikara Nation, not state law. Loans carry high APRs and must be repaid in fixed installments, though early repayment is allowed without penalty.
Missing or late payments can add fees. Credit checks may use alternative reporting services, so the impact on your credit score can vary.
MaxLend does not lend to active-duty military or residents of certain states, and it cannot be sued in state or federal court because of sovereign immunity. Always review the loan agreement carefully before applying.
