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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a Makwa Finance's loan



Makwa Finance's aim is to make funding accessible and transparent. It is more than likely to ‌give the financing you seek if you achieve the minimum conditions listed below.

  • Get a steady paycheck
  • Are at least 18 years old and a citizen of the United States
  • Maintain a current checking account
  • Are not a representative of the military or a dependent of a military member
  • There may be additional prerequisites.

    Residents of VA, VT, WI, AR, CT, IL, NM, NY, PA, and WV are not eligible for Makwa loans. Any credit offers are subject to underwriting and verification, and you cannot transfer them to another party.

    Application details

    Funding time restrictions and cut-off deadlines may limit sped-up funding. Before 6:00 p.m., applications are processed and approved. Monday through Friday, CST, are usually financed the next working day. You can request a Special Services Transfer up to 3:00 p.m. if you need funds on the same business day. Monday through Friday, call 855-853-4392 for CST. It will send the Special Services Transfer the next working day for loans executed on weekends or holidays. Please confirm with your bank to see if there are any additional incoming fees.

    Suppose you meet the 6:00 p.m. cut-off time. In that case, funds will be paid into your bank account the next business day after your application has been reviewed and allowed, including validating your loan details and e-signing your online loan documentation.

    Makwa Finance can refuse or cancel your account registration, reject any application you have submitted, terminate any agreement with you, and restrict your future use of the Site and its Services if any information you supply is false, not current, or incomplete. Makwa Finance reserves the right to reject any loan application. It may end your registration and prevent you from using or accessing false or the Site if you break any of these Terms of Use or any other agreement.

    How to apply

    You can apply and register for an account through Makwa Finance Website. Makwa Finance loans provide payment plans for individuals who require them and direct deposit for those who do not have entry to a checking account or who prefer not to use standard payment methods. They usually conduct the application process online or over the phone with a Makwa Finance loan officer. You can also use one form to mail your application to their office. It can usually approve most applicants in minutes after reviewing their information and gathering some basic information. Makwa Finance deposits funds immediately into your account within 24 hours if you're accepted.


    What are Makwa Finance interest rates?

    Your loan agreement contains information about your payment amounts, dates, APR, and detailed fee information, including any relevant costs for late payments and NSF/returned items. If you have ‌questions, please reach the Customer Success Agents at 855-853-4392.

    Does Makwa Finance affect my credit score?

    No, Makwa Finance will not affect your credit score. However, remember that any missed payment negatively influences your credit score and might put you at risk with lenders.

    How fast does Makwa Finance transfer money?

    If you meet the 6:00 p.m. cut-off time, Makwa Finance can typically deposit funds into your bank account the next business day after your application has been completed and accepted.

    Calculate loan payments at Makwa Finance

    Makwa Finance calculator will allow you to calculate an approximate payment schedule for the loan

    Makwa Finance calculator
    Interest rates are given in accordance with the rates of the Makwa Finance in Washington, D.C. as of 25.09.2022
    Loan amount

    Specify the desired loan amount

    200 $
    2500 $
    Loan term

    Specify the loan term for the calculation


    What to focus on before applying for a loan with Makwa Finance

    To ensure the lender is legitimate, check if it meets the following criteria:

    How do you know if a loan company is registered?

    The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

    According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

    Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

    If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

    Finanso® also recommends

    Learn the total cost of a loan, including:

    It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

    Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

    What’s the difference between Makwa Finance and a bank?

    1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
    2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
    3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
    4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
    5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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