MaxLend, a brand of the Mandan, Hidatsa & Arikara Nation — Three Affiliated Tribes (ND); Uetsa Tsakits, Inc., offers installment loans, marketed as a payday alternative. Amounts: up to $2,000 new; up to $3,750 at top rewards tier. Cost: Fee per $100 borrowed per pay period — up to $29.50 biweekly for new customers; APR disclosed only in the loan agreement. It does not serve at least 15 named jurisdictions: AR, CT, GA, HI, IL, MA, MN, NJ, NY, ND, PA, VT, VA, WA, WV.
| Product | Installment loans, marketed as a payday alternative |
|---|---|
| Amounts | Up to $2,000 new; up to $3,750 at top rewards tier |
| Terms | About 9 months for new customers; longer for rewards members |
| Published cost | Fee per $100 borrowed per pay period — up to $29.50 biweekly for new customers; APR disclosed only in the loan agreement |
| Tribe / owner | Mandan, Hidatsa & Arikara Nation — Three Affiliated Tribes (ND); Uetsa Tsakits, Inc. |
| Tribal regulator / disputes | Regulated by the Tribe; tribal dispute resolution / individual arbitration |
| Status | Active — Wide 15-state exclusion list mirrors state AG enforcement history. |
| Official site | www.maxlend.com |
As published by the lender (AR, CT, GA, HI, IL, MA, MN, NJ, NY, ND, PA, VT, VA, WA, WV; no active-duty military). Lists change without notice — re-check before applying.
This lender does not put a full numeric APR on its site — the binding number arrives in the loan agreement. That is common in the sector and legal under tribal code, but it means you should demand the total of payments in writing before you accept. Terms allow multiple installments, so compare the sum of all payments against a state-capped payday option and a credit-union PAL before signing.
Disputes with MaxLend route to regulated by the tribe; tribal dispute resolution / individual arbitration — not to your state attorney general. State regulators in several of the excluded states take the position that their caps should apply anyway; the safest consumer posture is to borrow only what the repayment schedule can absorb without strain.
Disputes route to regulated by the tribe; tribal dispute resolution / individual arbitration under the loan agreement, not to your state attorney general. Keep the contract and every payment record, escalate in writing through the lender’s dispute process first, then file with the CFPB complaint database — federal complaints against tribal lenders are tracked even when enforcement routes to tribal forums.
Wide 15-state exclusion list mirrors state AG enforcement history — that is the published history we verified from public records. For anything newer, check the CFPB complaint database and your state attorney general’s announcements before applying; exclusion lists often harden after enforcement activity.
MaxLend operates under the tribe’s lending code, and the brand asserts sovereign immunity from state rate caps — a position state regulators dispute and courts have split on. The loan you sign is real and enforceable, which is why the total-of-payments line matters more here than anywhere else in this market.
Expect the standard high-cost sequence: NSF or late fees, repeated ACH debits against your account, then collection through the arbitration or tribal-court process named in the agreement rather than your state courts. Some lenders sell delinquencies to collectors. None of it improves your credit — on-time repayment usually is not reported either.
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