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.
I love your customer service and you guys funs its is quick as couples on that day instead next business day. Thanks
Reply from Makwa Finance2026-06-11
Dear Customer,
We truly appreciate your kind words about our customer service and are grateful to hear that our fast funding made a difference for you. It means a lot to us to know we could deliver support quickly when you needed it most. Thank you again for your feedback—we’re always here to help!
Funds never arrived bank account charges I didn't make
I took out a loan from this company and the funds never arrived. Called them and told them verified all my info and they said the funds were sent. Call my bank and they tell me that they haven't had anything sent to them at all. Then I get some random charges I didn't make overdrafting my account. I called again and they said the money should be there by the end of day. Funds still never arrived. At this point I don't even want the loan anymore.
Reply from Makwa Finance2026-06-02
Thank you for sharing your experience, Kade. We appreciate you choosing us for your financial needs and for taking the time to provide feedback. We're sorry to hear about the delays and frustration surrounding your loan funding. We understand how disappointing it can be when funds do not arrive as expected.
Thank you again for bringing this to our attention. We encourage you to contact our Customer Service team at 855-853-4392 so we can review your concerns further.
The Makwa team was knowledgeable, professional, personable, helpful and patient. Technical knowledge was impressive. They helped me complete the paperwork in a short time and walked me through the process. The loan was approved and completed in what I consider record time. The funds were deposited in my account in record time. I am very impressed with Makwa and will use them again.
Reply from Makwa Finance2026-06-12
Thank you for the fantastic review, Deborah Watts! Hearing that our team’s knowledge, patience, and lightning‑fast process stood out to you is sweeter than a cold lemonade in August. We’re grateful for your trust and excited to support you again whenever you need us. Stay cool and see you next time!
Loan process was easy but loaned $200 and paid back $271 - too much. Will not loan from them again.
Reply from Makwa Finance2026-06-10
Thank you for sharing your feedback with Makwa Finance, and we truly appreciate you acknowledging the ease of the loan process while also expressing your concerns about the overall cost. We understand your perspective, and we want to be transparent that our loan agreement and website both clearly explain that this is an expensive form of borrowing intended for short term financial needs rather than a long term solution. Many of our customers actively reduce costs by making extra payments toward their balance, which are applied directly to principal, with interest prorated daily so paying early can significantly lower the total amount paid. You can easily make additional payments or pay off your loan at any time without penalties through your online account or by contacting Customer Service at (855) 853-4392, using either your bank account or a debit card, and our website is designed to be user friendly and keep track of your balance and interest in real time. We also offer opportunities through special promotional emails where customers can earn rewards points that may be saved or redeemed for gift cards to popular retailers or even applied toward your loan balance to help reduce costs. Many customers choose to pay off their loans early or even refinance with other lenders after a short period to minimize interest, and we support those options. We also aim to provide fast access to funds, with many customers receiving same day or next day funding when they need it most. We respect your decision and would welcome the opportunity to review your account with you to clarify your concerns, so please feel free to reach out to our team if we can assist further.
Makwa was easy to deal with and had stellar customer service. I will definitely consider them in the future.
Reply from Makwa Finance2026-06-09
Hi Julie,
Thank you for your wonderful review and for choosing Makwa Finance, we truly appreciate your kind words and are thrilled to hear that your experience was easy and supported by stellar customer service, as we strive to ensure every customer feels informed, respected, and confident throughout the process; your feedback means a great deal to our team and helps reinforce the level of service we aim to provide every day, and we are especially grateful to know you would consider us again in the future, as we would be more than happy to assist you whenever your needs arise, so please do not hesitate to reach out if there is ever anything more we can do for you.
I was experiencing hardships and they worked with me
Reply from Makwa Finance2026-06-10
Dear Customer Leslie Wells,
Thank you for taking the time to share your experience with Makwa Finance; we truly appreciate your kind words and are glad to hear that during a difficult time you felt supported by our team, as we understand that unexpected hardships can happen and we are committed to working with our customers to find reasonable solutions that fit their situations, so it is very rewarding to know we were able to assist you in a way that made a positive difference, and we remain here should you ever need further assistance in the future, as your satisfaction and trust mean a great deal to us.
Everything went through fast and well also everything they explained they did
Reply from Makwa Finance2026-06-10
Thank you so much for taking the time to share your experience with Makwa Finance; we truly appreciate your review. We are delighted to hear that everything went through fast and well and that the information our team provided aligned with what you experienced, as clear communication and a smooth process are very important to us. Your feedback confirms that our goal of providing a straightforward and efficient lending experience is being met, and it means a great deal to our team to know that we delivered on what was explained. We sincerely appreciate your trust in Makwa Finance and are here to assist you anytime should you need support in the future.
They worked with my situation with my Bill's the loan was Quick & Fast Im overall SATISFIED A 5 STAR SATISFIED and the payments were very affordable for me Thank you
Terry Moore
Reply from Makwa Finance2026-06-09
Dear Terry Moore,
Thank you for your wonderful 5-star review! We truly appreciate your trust in us and are grateful for the opportunity to work with your situation to provide a quick and affordable loan solution. We're delighted to hear you were satisfied with the process and payments, and we look forward to serving you again in the future.
GOOD LUCK GETTING A LOAN I CAN'T AND MY HUSBAND CAN'T AND I HAVE THE GOOD CREDIT SCORE
SO I DON'T SEE HOW ANYONE GETS A LOAN I GUESS YOU HAVE TO BE RICH TO GET A LOAN
Reply from Makwa Finance2026-06-09
Dear Tanya Gassell,
Thank you for taking the time to share your experience. We appreciate your honesty and understand how frustrating it can be to be denied when you are trying to secure funds. We're sorry this outcome wasn't what you were expecting.
Decisions like this can stem from verification issues, debt-to income requirements, or other factors.
Thank you again for sharing your perspective. Feel free to apply with us in the future. We hope to be able to assist you moving forward.
Thank you for the fantastic review and 5-star rating, Ray! We’re so glad to hear you were pleased with how quickly your loan was processed. Providing an efficient and seamless experience is one of our top priorities. We appreciate your support and hope to work with you again soon!
Convenient, fast, money was available the same day.
Reply from Makwa Finance2026-06-08
Thank you for the wonderful 5-star review, Lori Reddmann! We're glad we could provide a convenient and fast experience for you. It's great to hear that your funds were available the very same day. We appreciate your trust and look forward to helping you again whenever you need us.
Thank you for sharing your experience. We're pleased to hear we could provide support when it mattered most. We appreciate your trust and the opportunity to assist you.
Dear Michael,
Thank you for your feedback. Our interest rates are high because we lend to consumers with a wide range of credit histories. This is why we encourage our customers to borrow only the minimum amount necessary and to pay it off as soon as their finances allow. Paying your loan off early will save a significant amount on interest and will not involve any prepayment penalty fees. You can do this via your online account or by calling us 24/7 at (855) 853-4392.
A great company very friendly and knowledgeable people to be working with help me when I needed them most.
Reply from Makwa Finance2026-06-03
Thank you so much for your kind words and 5-star review, Catherine Stopper! We truly appreciate you taking the time to share your experience. Our team is committed to providing friendly, knowledgeable service, and we're delighted to hear we were able to help when you needed us most. Thank you for trusting us—we look forward to being here for you whenever you need us in the future!
The staff explained everything to me. Everything was in order and no large interest rates. The service was right on time for us. I am glad we were able to fine a reputable company Makwa Finance gets a Five gold star. The service is excellent.
Reply from Makwa Finance2026-06-06
Dear Antoinette Lorick,
Thank you for your wonderful review and for trusting us with your financial needs. We truly appreciate your kind words about our team, timely service, and transparent process, and we’re grateful for the opportunity to assist you. We are delighted that your experience earned a five-star rating, and we look forward to serving you again in the future.
They are polite and they will clearly explain to you the terms of your loan before you agree to anything and I had the money in my account the very next day.
Reply from Makwa Finance2026-06-06
Thank you so much for the amazing feedback! We love hearing that our team was polite, clear with loan terms, and able to get your funds to you by the very next day. We truly appreciate you choosing us. Thank you again, Albert J, and wishing you an incredible day ahead!
Makwa has loaned money to me multiple times. The process is so easy and the fund on the same day, including weekends. There is a portal to view your loan and make payments.
Reply from Makwa Finance2026-05-29
Thank you for taking the time to share your experience, Courtney Jackson! We’re so happy to know that our fast funding process, weekend availability, and easy-to-use customer portal have made things convenient for you. Building a simple and dependable experience for our customers is always our goal. We truly value your loyalty and appreciate the five-star review!
Makwa finance, had been there when I need them and they work with me on my loan , they are well recommended, thank you Makwa...
Reply from Makwa Finance2026-06-02
Dear Dorothy,
Thank you for your kind recommendation and for sharing your experience with us. We truly appreciate your feedback and are grateful for the opportunity to be there when you needed financial support and to work with you throughout your loan process. Thank you for choosing us, and we look forward to serving you again whenever you need us!
I appreciated the ease and quickness of the loan process. My loan representative was patient and a good listener in regards to all my questions. Thank you!
Reply from Makwa Finance2026-06-04
Thank you for taking the time to share your experience, Chris. We're pleased to hear that the application process was smooth and that our team provided the support you needed. We truly appreciate your feedback and thank you for choosing us.
Thank you so much for your 5-star review, customer! We truly appreciate your support and are thrilled to hear you had an excellent experience with our service. We look forward to serving you again soon!