Eligibility Requirements
See if you meet the basic requirements before you apply. Meeting them doesn't guarantee approval, but it's the starting point.
Age & residency
You must be at least 18 years old and a U.S. citizen or permanent resident with a valid Social Security number.
Bank account
An active checking account in your own name is required so funds can be deposited and payments scheduled.
Regular income
A steady source of income — employment, benefits, or other verifiable income — helps demonstrate ability to repay.
Contact details
A valid email address and mobile phone number are needed so we can reach you during verification.
Who is not eligible
- Active-duty military and dependents. Under the Military Lending Act, these loans are not offered to active servicemembers or their dependents.
- Residents of states where the product isn't offered. Availability varies; if MaxLend doesn't operate in your state, you won't be able to proceed.
No credit-score minimum
Unlike traditional banks, MaxLend does not set a minimum FICO score. Decisions weigh your income and ability to repay rather than your credit history alone — which is why borrowers with poor or thin credit may still qualify.