Availability and Restriction
You must be 18 years or older to apply. Makes Cents, Inc. d/b/a "MaxLend" is a lender. There is no cost to use this website. Not all applicants will
be eligible for $1,250 loan or even any loan at all. Qualifying for final approval
of a cash loan depends on various factors, including income and the state in which
you reside. MaxLend does not extend loans to Active Duty Military, their spouses
or their dependents. Your supplied information may be verified with any number of
independent verification and/or credit reporting companies.
Interest (Annual Percentage Rate) APRs.
APR’s range from 471.7846% to 841.4532% depending on the duration of the loan and
the loan origination fees.
Implications of Non-Payment, Late Payments, or Partial Payments
By agreeing to the terms of the loan, you are agreeing to pay back the loan and
pay the principal and various loan fees included in the contract. Failure to pay
back your loan according to the terms of your contract will result in additional
fees and penalties. All non - payment fees and other potential fees will be set
forth in the Loan Agreement, and you should refer to the Loan Agreement regarding
specific non-payment fees.
MaxLend offers Installment Loans with a schedule of set payments. Loans
may be paid in full at any time without penalty. Additional partial payments toward
principal also may be made on any scheduled payment date. Paying off your loan faster
than scheduled may reduce your overall cost of credit.
Credit Report, Credit Score and Impact
Makes Cents, Inc. d/b/a "MaxLend" is a lender and evaluates your information
to determine if you qualify for a loan. Lenders that review your information often
use 3rd party credit reporting agencies to evaluate your information and determine
whether to offer you a loan. Typically, lenders in this industry do not order credit
reports from Experian, Transunion or Equifax, instead relying upon other credit
information repositories. As a result, your credit report may or may not be impacted
based on the particular service used by the lender. We encourage you to monitor
your credit from various credit monitoring services to evaluate your credit score.
You should avoid completing multiple applications on multiple websites to minimize
the impact to your credit score.
Loan Payback Terms and Renewal
We encourage responsible borrowing. The use of installment loans as well as any
loan should be done with full consideration of the costs involved. Review your loan
documents carefully before you agree to the terms of the loan. This site is owned
and operated by the Mandan, Hidatsa, and Arikara Nation — the Three Affiliated Tribes of the Fort Berthold Reservation. Our management team
has over 20 years of experience in online lending and we are members of the Online
Lenders Alliance (OLA) which supports the review and establishment of best practice
standards in this industry. We can be reached by email at CustomerService@MaxLend.com or you can call our loan center at 877.936.4336.
MaxLend, is a sovereign enterprise, an economic development arm and instrumentality of, and wholly-owned and controlled by, the Mandan, Hidatsa, and Arikara Nation, a federally-recognized sovereign American Indian Tribe. (the “Tribe”). This means that MaxLend’s loan products are provided by a sovereign government and the proceeds of our business fund governmental services for Tribe citizens. This also means that MaxLend is not subject to suit or service of process. Rather, MaxLend is regulated by the Tribe. If you do business with MaxLend, your potential forums for dispute resolution will be limited to those available under Tribal law and your loan agreement. As more specifically set forth in MaxLend’s contracts, these forums include an informal but affordable and efficient Tribal dispute resolution, or individual arbitration before a neutral arbitrator. Otherwise, MaxLend is not subject to suit or service of process. Neither MaxLend nor the Tribe has waived its sovereign immunity in connection with any claims relative to use of this website. If you are not comfortable doing business with sovereign instrumentality that cannot be sued in court, you should discontinue use of this website.