MaxLend Personal Loans
MaxLend Personal Loans Claimed

MaxLend Personal Loans

SuperMoney Net Recommendation Score -85  


This product is strongly not recommended by SuperMoney users with a score of -85, equating to 1.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

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Spotloan 24 reviews
Community Rating Strongly not recommended
APR  (Fixed APR) 471.78% - 841.45%
Loan Amount $100 - $2,500
Loan Term (Months) 6 - 12 months
Number of Reviews 81

MaxLend Personal Loans Review

MaxLend Personal Loans is offered by Makes Cents Inc., a direct lender founded in 2012 and based in Parshall, ND. MaxLend Personal Loans are available in 36 states (and Washington, DC).

Key Takeaways

  • APRs starting at 471.78%. Personal loan interest rates typically range between 5% and 36%. The starting rates for MaxLend Personal Loans are on the higher end of the spectrum.
  • Fast access to funds. In some cases, you can get your money within 1 business day*.
  • Small-dollar loans. MaxLend Personal Loans has a maximum loan amount of just $2,500.
  • No origination fee. MaxLend Personal Loans does not charge a loan origination fee.
  • Short loan terms. MaxLend Personal Loans have loan terms as short as 6 months.
  • Minimum income of $10,200. You will need an annual income of at least $10,200 to apply for MaxLend Personal Loans, which is below average for the lenders in our database

MaxLend Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Considers applicants with fair credit.
  • Funding available within 3 business days.
  • APRs as high as 841.45%.
  • Short loan terms (maximum of 12 months).
  • Small loan amounts (maximum of $2,500).
  • Do not offer pre-approval with soft credit pull.
  • MaxLend Personal Loans does not report to credit bureaus.
  • Charges a late fee.

MaxLend FAQ

What interest rates and personal loan terms does MaxLend offer?

MaxLend has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does MaxLend offer?

MaxLend offers a fixed APR personal loan product that ranges from 471.78% APR up to 841.45% APR.

How much can you borrow via MaxLend?

Personal loan amounts start at $100 and go up to $2,500.

What is the maximum loan term you can get with MaxLend?

MaxLend offers loans with terms of up to 12 months.

MaxLend Interest Rates & Loan Terms
Personal Loan Amount $100 - $2500
Loan Term 6 - 12 months
APR 471.78% - 841.45%

What fees does MaxLend charge?

Does MaxLend charge an origination fee?

MaxLend does not charge a personal loan origination fee.

A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does MaxLend charge a late fee?

No, MaxLend will not charge you a late fee if you miss one of the monthly payments.

Does MaxLend charge prepayment fees?

No, MaxLend does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

MaxLend Fees
Origination Fee No
Prepayment Fee No
Late Payment Fee No

What do you need to qualify for MaxLend Personal Loans?

When it comes to credit scores, Makes Cents Inc. doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for personal loans with MaxLend Personal Loans, applicants need a minimum annual income of $10,200 or higher. MaxLend Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the MaxLend Personal Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by MaxLend Personal Loans.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid personal checking account
  • Recent pay stubs
MaxLend Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • Credit Score 300 - 850

    What is the estimated funding time for a personal loan via MaxLend?

    MaxLend will typically approve (or deny) a loan application within 24 hours and fund loans within 3 business days of approval.

    Is Makes Cents Inc. a legit company?

    Makes Cents Inc. was founded in 2012, it is a well-established company that has been in business for 11 years. MaxLend Personal Loans are strongly not recommended by SuperMoney community users.

    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


    About MaxLend Personal Loans

    Icon for Personal Loans
    View all personal loans offered by Makes Cents Inc.


      Available in 36 states and Washington, D.C.
    • Alaska
    • Alabama
    • Arizona
    • Colorado
    • Washington, DC
    • Delaware
    • Florida
    • Iowa
    • Idaho
    • Illinois
    • Indiana
    • Kansas
    • Kentucky
    • Louisiana
    • Maryland
    • Maine
    • Michigan
    • Missouri
    • Mississippi
    • Montana
    • North Carolina
    • Nebraska
    • New Hampshire
    • New Jersey
    • New Mexico
    • Nevada
    • Ohio
    • Oklahoma
    • Oregon
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Wisconsin
    • Wyoming

    Feature Breakdown

    No Origination Fee
    No Prepayment Fee
    Checking Account Required
    Employment Statuses Considered
    • Other
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Minimum Annual Income $10,200
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    Verification Documents Required
    • Recent Pay Stubs
    Credit Score Range 300 - 850
    APR Type Fixed APR
    Loan Amount $100 - $2,500
    APR (Fixed APR) 471.78% - 841.45%
    Loan Term 6 - 12 months

    MaxLend Personal Loans Community Reviews


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    This product is strongly not recommended by SuperMoney users with a score of -85, equating to 1.3 on a 5 point rating scale.


    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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