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MaxLend installment loans review

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MaxLend Installment Loans
Max. Amount
Turnaround time
As soon as the next business day


Get up to $1,000 as a first-timer, with loans of up to $2,500 and lower rates for repeat borrowers.

MaxLend is a tribal-based lender offering short-term loans through an easy, quick online application.

MaxLend does not offer loans to residents of Arkansas, California, Connecticut, Georgia, Hawaii, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Vermont, Virginia, Washington, or West Virginia. If you live in one of these states you can visit our state directory to see loans available in your state.

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question


Product details

Product Name MaxLend Installment Loans
Max. Amount $2,500
Loan Term Up to 9 months
Turnaround Time As soon as the next business day
Requirements Must be at least 18 years old and a US citizen, have a valid bank account and provide a verifiable source of income.

What are the benefits of a MaxLend installment loan?

MaxLend offers loans of up to $1,000 for first-time borrowers and up to $2,500 for returning customers. The loan amount and APR you ultimately qualify for depends on MaxLend’s assessment of your creditworthiness, along with such factors as the amount and frequency of your income.
Benefits of an installment loan with MaxLend include:

  • Quick, easy application. After completing MaxLend’s online application, a MaxLend representative will call you to verify your information. If approved, your funds are typically deposited into your account within a business day.
  • No early repayment fee. Unlike other short-term loan lenders, MaxLend does not charge a fee if you find yourself able to repay your loan early.
  • Minimal requirements for approval. You don’t need good credit to get a loan with MaxLend, as long as you’re able to repay the loan.

What exactly is an installment loan?

An installment loan is a way to get fast, short-term credit available to those with low credit scores and income. Installment loans come with much higher APRs than personal loans but are usually less costly than payday loans. The average installment loan term is one to six months. But you’ll find lenders that offer extended terms of up to a year or longer.

What to watch out for

Many online users complain of MaxLend’s offers to extend current loans that come with exorbitant processing fees of $350 or more. Other potential drawbacks include:

  • Tribal lender. The ability to self-regulate lending codes has led to a lot of controversy surrounding tribal lenders and their practices.
  • High APRs. Depending on your term and loan amount, you can see APRs as high as 841.45%.
  • Fees and penalties. You’ll pay fees and penalties if you don’t repay your loan on time. Carefully read your loan agreement to avoid the pitfall of hidden costs.
  • First-time loan restrictions. Returning borrowers with MaxLend receive more competitive APRs and loans of up to $2,500, versus the maximum $1,000 for first-time borrowers.

Compare installment loan providers like MaxLend

Explore your options by APR, minimum credit score, loan amount and loan term. Select the Get started button to start an application with a specific lender.

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Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.

A warning about short-term loans

Short-term loans can offer access to quick cash in an emergency, but they come with high interest rates that can make them wildly expensive, especially compared other personal loans. You could also be subject to hidden fees if you fail to pay back your loan on time.
Be skeptical when you see providers offering incentives — like lower APRs or better repayment terms — that encouraging repeat borrowing. To avoid potentially falling into a debt spiral, first look into alternative options before deciding on a short-term loan.

MaxLend reviews and complaints

BBB accreditedNo
BBB ratingF
BBB customer reviews1.6 out of 5 stars, based on 10 customer reviews
BBB customer complaints27
Trustpilot score2.2 out of 5, based on 13 customer reviews
Customer reviews verified as of16 October 2020
MaxLend only has a handful of mostly-negative reviews. Customers mostly complain of the high cost and confusing terms. The positive reviews generally come from people who had struggled to qualify for a loan elsewhere and were fine with paying a higher-than-average fee.

Am I eligible for a loan with MaxLend?

MaxLend’s online loan application is easy to complete. For loan approval, you must:

  • Be at least 18 years old.
  • Be a US citizen.
  • Have a valid bank account.
  • Provide a verifiable source of income.

MaxLend assesses your application based on your ability to meet its minimum income requirements, which confirms to lenders your ability to repay your loan on time.

How do I apply?

You can apply online or by phone. To apply by phone, call 855-975-9167 and speak with a MaxLend representative who’ll complete your application.
To apply online, follow the four steps below:

  1. Click the Go to site button on this page to go to the MaxLend’s website. Select the loan amount you’re interested in, and then click Apply Now.
  2. Enter your personal information, including your email address, Social Security number and address.
  3. Scroll down the page to complete your income and financial details, including the routing number of your financial institution. Click Next Step.
  4. Continue through the remaining steps, confirm your information and submit your application.

After you’ve submitted your information, a MaxLend representative will call you during business hours to verify your information. If your loan is approved, you will receive an email confirmation that contains a copy of your application. Funds are deposited into your account within one business day.

I got the MaxLend installment loan. Now what?

  • Don’t miss a payment. Review your payment schedule carefully and do your best not to miss a payment. Late payments come with fees and penalties.
  • Pay off your loan early. MaxLend has no penalty for paying your loan off before the due date. Avoid excess interest with early repayment.

Bottom line

A MaxLend installment loan could provide you with quick cash in an emergency, but be aware of high interest rates and penalties for missed payments that come with many lenders.
While OK for covering financial blips, these short-term loans should be used only as a last resort. Compare other short-term loan lenders to secure the cheapest loan for your needs.

Frequently asked questions about MaxLend

What is MaxLend’s phone number?
MaxLend’s phone number is 855-975-9167.
Hours of operation are:
Monday – Friday 8:00 a.m. – 12:00 a.m. (Midnight) EST
Saturday – Sunday 9:00 a.m. – 5:00 p.m. EST
I recently filed for bankruptcy. Can I still get a MaxLend loan?
Probably not. MaxLend doesn’t approve applicants who are currently in bankruptcy or intend to voluntarily file for bankruptcy. You can contact the lender directly to discuss your specific circumstance though.
Or you could compare your options for bankruptcy loans.
If I’m approved for a MaxLend loan, how will I receive the money?
You’ll provide MaxLend with your bank account information during the loan application process. If your application is approved, your funds are deposited directly into your account within one business day.
How do I become a MaxLend Preferred Member?
Returning borrowers are automatically enrolled as MaxLend Preferred Members, which comes with access to larger loans and lower APRs. Log in to your MaxLend account to check the status of your level.

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Aliyyah Finder


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March 01, 2019

Can I do monthly payment with a Loan of $2000


Val Finder

March 04, 2019

Hi Bernadette,

Thank you for leaving a question. Have you already applied for a loan with MaxLend? This will depend on the repayment option that you will be selecting for the loan. You may send an email to or speak to a Maxlend representative at 1-877-936-4336. Hope this helps!



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Joann platko

December 16, 2018

How do I pay off my loan early?


Val Finder

December 17, 2018

Hi Joann,

You can pay off a personal loan early by increasing your monthly payments or paying off your loan in a lump sum. Usually, lenders give an option to pay via ACH from your bank account or check.

If you have an existing loan with Maxlend that you’d like to pay off early, please contact their Customer Service to arrange your payment.

Hope this helps.



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September 30, 2018

Can I make my monthly payment by credit card


johnbasanes Finder

September 30, 2018

Hi Ed,

Thank you for leaving a question.

Depending on your agreed upon method of repayment, credit card payments may be accepted. To know further on what options you have on making your repayments you may send an email to or speak to a Maxlend representative at 1-877-936-4336. Hope this helps!



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June 19, 2018

do you accept metabank bank accounts



June 19, 2018

Hi Tammy,

Thanks for getting in touch with finder.

MaxLend does not have specific list of banks where they can deposit your borrowed money. One of their requirements is having a valid checking account. See their other eligibility criteria below:

*Be at least 18 years old.

*Be a US citizen.

*Provide a verifiable source of income.

Your financial situation and repayment capability will also be assessed for the Lender’s approval.

I hope this helps.

Let us know if there is anything else that we may assist you with.



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