Makwa Finance knows we need to be better than our competition to earn your business. We hired the best engineers and analysts to make sure our application and underwriting process is as quick and easy as possible. Our call centers are staffed 24/7 to provide you with the personal support you deserve. We protect your personal information, physically and digitally, by industry-leading security protocols.As a direct lender, Makwa Finance doesn’t have to wait for third-party approvals and can offer Accelerated Funding and early pay-offs without penalties. Returning customers also benefit from membership in our Big Bear Rewards Program, where they receive lower interest rates, increased loan amounts, and even faster approvals. Members also earn points they can cash in for gift cards to their favorite national retailers, movie theaters and restaurants.
Is Makwa Finance legit?
Makwa Finance (makwafinance.com) has a 4.7 out of 5 rating on OK.one, based on 167 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 93% rating it 4 stars or higher; The business has replied to 90% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-30.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently mention that the staff is exceptionally helpful, kind, and professional throughout the entire loan application process. People also appreciate receiving quick funding and using an easy-to-navigate website that makes getting financial help completely smooth and stress-free. Borrowers describe the service as trustworthy, noting that representatives take the time to clearly explain all terms and guide them patiently.
However, some customers also noted that the interest rates and overall repayment amounts were extremely high. A few other people also felt that unexpected account charges or payment processing issues caused frustration.
Auto-generated from all reviews of this business. For reference only.
Have a small loan. Wanted to make a payment a day early.
Went to their chat session.
Asked if I can make payment a day early.
Chat stated yes, go to payment options and make early payment.
Today, an additional payment was taken from my account.
Talking to a customer service supervisor was a joke.
He denied chat would instruct those steps for an early payment.
Will never use Makwa finance again.
Their website is extremely deceptive.
Reply from Makwa Finance2026-06-25
Al Morgan, thank you for sharing your experience. We appreciate you taking the time to provide detailed feedback.
We're glad our chat team was able to assist you with your payment inquiry; however, we're very sorry to hear that the outcome did not match the guidance you were given. We understand how frustrating it must have been to see an unexpected additional payment withdrawn and then feel that your concerns were not fully acknowledged during your conversation with customer service.
Your comments regarding the payment process, website clarity, and supervisor interaction have been noted and will be shared with the appropriate teams for review. We recognize that clear communication and accurate account guidance are essential to maintaining customer trust.
We appreciate your feedback and regret that your experience did not meet expectations. Thank you again for bringing these concerns to our attention.
Answered a few questions and received the money the next day.
Reply from Makwa Finance2026-06-23
Dear Joe Escalon,
Thank you for taking the time to share your feedback and for choosing Makwa Finance; we truly appreciate your thoughtful four star review and are glad to hear your experience included positive aspects while also recognizing there may be areas where we can improve. Your perspective is important to us, and we are always looking for ways to enhance our service and ensure clarity, fairness, and support throughout the loan process. If there is anything specific you would like us to review or address further, we encourage you to contact our Customer Service team directly and we would be happy to assist with a resolution. We value your trust and hope to provide you with an even better experience in the future.
Thank you for sharing your experience with Makwa Finance, we truly appreciate your kind words and are glad to hear everything was great and that you received outstanding service, as providing a smooth and supportive experience is our top priority, and if there is ever anything more we can do to assist you in the future, please do not hesitate to reach out, we look forward to serving you again.
Not difficult to apply and they were very informative
Reply from Makwa Finance2026-06-23
Dear Raynotte Rideau,
Thank you for your five-star review and for sharing your experience with Makwa Finance, we truly appreciate your feedback. We are very pleased to hear that the application process was not difficult and that our team provided clear and informative support throughout. Your comments are important to us and affirm our commitment to making the lending process straightforward and transparent for our customers. If you ever have any questions or need further assistance, please do not hesitate to reach out, and thank you again for choosing Makwa Finance.
Approval process was simple and easy. Very quick payout! Once I registered my account on the website I was eligible for the reward program. You get points for registering your account and for each payment that you make. I love the reward program! Thank you for lending me the money and helping me out of a tight spot.
Reply from Makwa Finance2026-06-23
Dear Janice Hughes,
Thank you for taking the time to share your experience with Makwa Finance; we truly appreciate your kind words. We’re glad to hear the approval process was simple and quick and that the fast payout helped when you needed it most. It’s also great to know you’re enjoying our rewards program and finding value in earning points through account registration and on-time payments, as we designed it to recognize and support our customers’ efforts. Thank you again for choosing Makwa Finance—we’re always here if you need assistance in the future.
Having the right person to help you get through the process easily .
Reply from Makwa Finance2026-06-23
We appreciate your review, Gregory. Providing helpful, knowledgeable support is important to us, and we're happy we could make the process easier for you.
Quality process and easy process to apply n receive financial help immediately. Yes, a little pricy, but just pay back as soon as you can. The loan saved my dire situation.
Reply from Makwa Finance2026-06-12
Thank you for sharing your experience, Linda. We're glad we could provide fast financial support when you needed it most. We appreciate your feedback and are grateful for the opportunity to help during a difficult time.
Dear John Stringer,
Thank you for your five-star review of Makwa Finance. We truly appreciate you taking the time to share your experience and are glad to hear that the application process was easy and the funding was provided quickly, as we know how important both simplicity and speed are when our customers need support. Your feedback means a lot to our team, and we are committed to continuing to deliver a smooth and efficient experience every time you choose us.
They have been there every step the way. Helpful, polite and dependable.
Reply from Makwa Finance2026-06-15
Thank you for your kind words, Regina! We appreciate your trust and support. We're committed to being there for our clients every step of the way, and it's wonderful to hear that our team has been helpful, polite, and dependable. We look forward to continuing to serve you!
EASY TO USE, QUICKLY FUNDED, COMPETITIVE RATES, VERY NICE PEOPLE TO WORK WITH
Reply from Makwa Finance2026-06-17
Thank you for the great feedback! We're glad you found the process easy, funding quick, and our rates competitive. We appreciate your kind words about our team and thank you for choosing us!
Amy Palmer, we appreciate your feedback and thank you for choosing us. We're pleased that you considered us for your needs, but we're sorry to learn that the payments felt too high. We understand that budget plays a significant role in any decision, and we know this can be frustrating. Your comments are valuable and help us evaluate how we can better meet our customers' expectations. Thank you again for sharing your experience.
You got the money for me but first of all I was told at end of a business day but it didn't arrive until the next day. And unfortunately I had to do that so somebody could have food don't like the interest rates obviously but I had to do what I had to do
Reply from Makwa Finance2026-06-17
Thank you for taking the time to share your experience with Makwa Finance. We truly appreciate your feedback and understand how important timing was in your situation, especially when you were relying on the funds for immediate needs like food. While we are glad we were able to help you secure the funds, we recognize your concern about the delay and that it did not arrive as quickly as expected, as well as your feelings regarding the interest rates. We understand that these decisions are not always easy, and we value your honesty. If there is anything we can review further regarding your experience or assist you with moving forward, our team is here to help. We appreciate the opportunity to serve you and thank you again for your feedback.
They stepped up and helped out. That means they trust me. Very easy and painless.
Reply from Makwa Finance2026-06-11
Dear Henry Gilbert,
Thank you for taking the time to share your experience with Makwa Finance; we truly appreciate your kind words. We are delighted to hear that our team was able to step up and support you when it mattered, and it means a great deal to us that you felt trusted throughout the process. Providing a straightforward, easy, and painless experience is exactly what we strive for, so your feedback is incredibly rewarding. If there is ever anything more we can do for you in the future, please do not hesitate to reach out. We sincerely appreciate your five star review and your trust in Makwa Finance.
What made my experience great is the representative was very personable and very informative, about the loan options and payments.
Reply from Makwa Finance2026-06-11
Dear Nicole Nore't,
Thank you for taking the time to share your wonderful five-star review with us, we truly appreciate your feedback and are so pleased to hear that your experience was one of the easiest you have had. It is great to know that our representative made a positive impression by being personable and informative while clearly explaining your loan options and payment details, as providing a smooth and transparent experience is very important to us. We are grateful for your trust in Makwa Finance and are always here to assist you with any future financial needs, and we look forward to continuing to serve you as your lending partner.
Thank you so much for the 5-star review, Patricia! We're thrilled to hear the process was easy and seamless for you. Making things simple and stress-free is exactly what we aim for. We truly appreciate your feedback and look forward to helping you again in the future!
We truly appreciate your 5-star review, Juan Benitez! It's wonderful to know that our team delivered excellent service and helped you achieve low monthly payments. Thank you for your support—we're always here if you need anything in the future.
Henry Byrd, thank you for taking the time to share your experience! We're happy to know that the transaction process was simple and that our team was able to respond quickly. Your feedback is greatly appreciated, and we hope to have the opportunity to assist you again soon.
The customer service was great. He guided me through my needs with a kind voice.
Reply from Makwa Finance2026-06-11
Dear Customer,
Thank you for your thoughtful review! We truly appreciate your kind words and are grateful for the opportunity to assist you with your needs. We’re delighted to hear that you received great customer service, and we look forward to helping you again in the future.
Dear Jaqueline Murphy,
Thank you for taking the time to share your experience with us. We truly appreciate your feedback and are grateful to hear that we were able to provide the help you needed when it mattered most. Thank you for trusting us, and we look forward to being here for you whenever you need assistance in the future.