Lender record · active brand

MaxLend review: cost, tribe, and state coverage

MaxLend, owned by the Mandan, Hidatsa and Arikara Nation through Uetsa Tsakits, Inc., writes loans to $2,000 for new customers and $3,750 at its top rewards tier. Pricing is quoted in an unusual unit — up to $29.50 per $100 borrowed per biweekly pay period — so the disclosure that actually matters lives in the loan agreement. Its exclusion list covers 15 states, the widest among the long-established brands, and active-duty military are excluded as well.

www.maxlend.com/ · record verified 2026-09-25 · Index card updated 2026-09-20

Amounts

Up to $2,000 new

Product

Installment loans

States excluded

11

Index score

7.0/10

The disclosure score, itemized

Disclosure leader — terms checkable before you sign. The rubric and weights are public — read the methodology. What this record earns:

• 1/3 — Cost transparency. describes fees or a per-$100 structure but no public APR.
• 2/2 — State transparency. publishes its state exclusion list.
• 1/1 — Named regulator. names its tribal regulator or dispute body.
• 2/2 — Product clarity. publishes loan amounts and a repayment schedule.
• 1/2 — Standing. active, with litigation or regulator alert context on the record.

What MaxLend offers

Installment loans, marketed as a payday alternative. Up to $2,000 new; up to $3,750 at top rewards tier. About 9 months for new customers; longer for rewards members.

The cost, with the math shown

Fee per $100 borrowed per pay period — up to $29.50 biweekly for new customers; APR disclosed only in the loan agreement

Worked example at an illustrative 600% APR — MaxLend publishes no APR, the agreement is the disclosure: a $1,000 loan repaid biweekly over 9 months runs about $234.45 per payment — $4,689.10 total of payments, of which $3,689.10 is finance charge. Check that total, not the payment, against your budget.

Where it operates

MaxLend publishes its excluded states: AR, CT, GA, HI, IL, MA, MN, NJ, NY, ND, PA, VT, VA, WA, WV; no active-duty military. That works out to roughly 35 states where applications are accepted. Availability claims on marketing sites notwithstanding, the exclusion list is the only binding statement.

Documented serving: AL, AK, AZ, CA, CO, DE, DC, FL, ID, IN, IA, KS, KY, LA, ME, MD, MI, MS, MO, MT, NE, NV, NM, NC, OH, OK, OR, RI, SC, SD, TN, TX, UT, WI, WY.

Disputes: Regulated by the Tribe; tribal dispute resolution / individual arbitration.

Who it fits — and who should keep looking

Fits: Repeat borrowers in its served states who want mid-size amounts and have already climbed partway up the rewards ladder.

Think twice: Price out what that per-$100 charge means as an annual rate before signing anything — on a biweekly cycle it lands far above what “29.50” sounds like. Check the 15-state exclusion list first.

Compare with

• Spotloan
• Big Picture Loans
• Bright Lending
• All lenders

MaxLend FAQ