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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 MaxLend's loan


How to apply


What do you need to apply for a loan? MaxLend collects information and documents confirming your income, employment status, bank information, relations with active military servants, and personal information. In general, you need:

  • Social Security number,

  • checking account information,

  • account balances and income,

  • payment history and credit history,

  • employment information,

  • home address, etc.

Application details

The loan application may be considered and approved as soon as one day. Loan amounts are transferred within business days. A same-day transfer is possible in case the proper approval is received and all loan documents are signed by 11:45 a.m. CST.

Customer Service is open 24 hours 7 days a week. The Advanced Customer Service is operating 6 days per week (Monday-Tuesday from 7 a.m. to 8 p.m., Fridays from 7 a.m. to 6 p.m., Saturdays from 8 a.m. to 2 p.m.)

Reasons for rejection

There should not be any rejections if all the required documents are provided and meet the formal requirements established by the company. Submitting incomplete or false documents or information normally results in rejection and bad records for the future.

It also should be taken into account that MaxLend is an entity regulated by Tribe regulations verifying the clients following its own attitude. Some acceptance criteria in many aspects depend on the internal decisions of the lender and are not transparent enough.

How to apply for a loan

To request a loan, enter the MaxLend website and find the tab “Apply now!” in the main menu of the header. Click on it and receive the Installment Loan Application form.

The form consists of three stages, each containing dedicated information, that is, personal data about you, your income, and your banking details.

Among personal data, at this stage, MaxLend asks for your first name, last name, birthday, social security number., email, home address, and main phone. Some data, like first and last names, email, social security numbers, home addresses, and telephone are mandatory. The desired loan amount shall be selected from the drop-down list located at the head of the form, at the green line. The amount starts from $100 with an addition of $25 at each step.

In the second stage, income information is requested. The potential borrower is required to indicate the frequency of his/her paychecks (weekly, bi-weekly, twice monthly, monthly), and ways to receive paychecks (direct deposit or paper check). It is also required to indicate the main source of income, employer name, work phone, and net size of the paycheck.

In this form, the client needs to consider and indicate the 1st and the 2nd pay dates. The dates shall be settled carefully and accurately – the loan will be calculated based on them. The dates should not coincide with holidays, weekends, or other non-banking days.

The client is not obliged to indicate here alimony, child support, or separate maintenance if these incomes are not considered as a basis to loan repaying.

At At this stage, the potential borrower must declare that he/she has not recently filed or is planning to file for bankruptcy.

In the last, the third, stage the borrower adds the financial information on his/her preferable methods of loan receiving and repaying. To receive the funds, the client needs to have a valid checking account. The information of the account including the ABA Routing Number and Account number should be inserted. Both numbers are printed at any check – the ABA Routing Number is the left-most number, followed by your account number, and then by the number of the check.

There are two options for loan payments, that is, via electronic funds transfer or credit card. The client is required to choose.

Once the application is submitted, a company representative will call you and verify the information. When the loan is approved and all relevant documents are signed, the funds are transmitted normally within 1 business day.


How long does it take to get approved by MaxLend?

Normally, the process does not require a lot of time and can be finalized within one day. The documents provided should be reliable and complete.

How trustworthy is MaxLend?

MaxLend declares that the company follows the policy of responsible borrowing and encourages the potential clients to consider the loans thoroughly, including the costs involved. Maxlend insists that loan terms should be clear to the borrower, including the delicate print parts. The lender is a member of the Online Lenders Alliance (OLA), which supports reviewing and establishing best-practice standards in this industry.

There are several reviews of the company on the Internet. Some of them are pretty positive, some not. For example, MaxLend has instead a high rate (4.5) based on more than 500 reviews at Trustpilot, a moderate rate (3.4) based on 152 reviews at Best Company, and an alarming rate (2.9) based on 19 reviews at and at Supermoney, where 72 out of 87 customers do not recommend the company.

Does MaxLend verify income?

Yes, the lender generally verifies the income information with any number of independent verification or credit reporting companies. However, the client is responsible for the data submitted to the lender being true, accurate, and complete.

Does MaxLend hurt your credit score?

MaxLend does not ask for credit reports from such agencies as Experian, Transunion, or Equifax and trusts other credit information repositories. So, your credit report is not mandatorily impacted. But, anyhow, you should avoid multiple applications on several websites to minimize the impact on your credit score. In addition, this lender provides ambiguous information on whether it reports repayment behavior to credit bureaus.

Financial products

Personal loan
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.

Recommended FinScore™

Effective interest rate on the product

up to 841%

Loan term for the financial product

up to 300 days

Calculate loan payments in MaxLend

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

Loan amount

Enter the desired loan amount

100 $
3000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with MaxLend

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 MaxLend 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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