Review of Personal Loans from Mariner Finance Find the best loan for you


Personal loans from Mariner Finance provide quick cash that you can use for virtually any reason. The Maryland-based company with more than 480 branches in 27 states often approves loans on the same business day, but interest rates can be high. Make sure you check the fine print before committing.

  • Mariner Finance offers personal loans from $ 1,000 to $ 25,000.
  • You can submit a loan application online and usually receive a response within the same business day.
  • If you repay your loan early, you will not be charged a prepayment penalty.

  • The interest rates on these loans can be high – up to 35.99% in some cases.
  • Additional charges may apply to certain loan offers and will be disclosed on the loan agreement.
  • In certain situations, you may be referred to a Mariner Finance agency to continue your loan application.

A Mariner Finance personal loan can meet many needs, including:

  • Debt consolidation.
  • Complete home improvement work.
  • Pay for a vacation or a wedding.
  • Cover unforeseen expenses, such as appliance breakdowns or car repairs.

Borrowers cannot use the loans to finance illegal activities, such as buying drugs.

You can apply for a Mariner Finance personal loan over the phone, at a branch, or online, which takes about five minutes. Government-issued photo ID, such as a state driver’s license or passport, and proof of income are required. Mariner Finance prefers pay stubs to verify income, but can accept bank statements, W-2 or 1099 forms, personal income tax returns, or Social Security attribution letters.

If you are applying at a branch, you must also bring:

  • Your Social Security card.
  • Proof of residency, such as a utility bill or signed lease.
  • If you are self-employed, your recent income tax return and copies of your bank statements.

The online process uses a gentle investigation that will not hurt your credit score to determine your loan eligibility. If you continue with your application, Mariner Finance will withdraw your credit again using a serious investigation which may temporarily lower your score.

You will usually receive a decision the same business day. If you are approved, you will review personalized loan offers that might meet your needs. Personal loans from Mariner Finance may be asset-backed or co-signed, or you may qualify for an unsecured personal loan based on your credit history and other factors.

If you accept an offer, Mariner Finance will verify your information and send the money to your bank, or you can pick it up at a Mariner Finance branch.

The APRs for Mariner Finance personal loans range from 18% to 35.99% with repayment terms of 12 to 60 months. Eligibility for lower rates or larger loan amounts may require a lien on an insured vehicle that is no more than 10 years old and is titled in your name.

Not all rates and loan amounts are available in the states where Mariner Finance operates.

Additional fees may apply to loan offers, and certain fees required or authorized by your state may be treated as prepaid finance charges. These are up-front costs that you need to cover along with your regular loan payments, and they’re disclosed in the loan agreement.

Borrowers can make their payments online, over the phone, by mail, or at a Mariner Finance branch. You can opt for automatic payments and you won’t be charged a prepayment penalty if you prepay your loan.

If your credit score is fair or good, you may be eligible for a Mariner Finance personal loan.

Online funded loans are between $ 1,500 and $ 15,000, and loans under $ 1,500 or over $ 15,000 are funded through Mariner Finance branches. Personal loans range from $ 1,000 to $ 25,000, but the minimum and maximum amounts depend on your state and your pricing.

The specific rates and fees depend on your state, as well as the amount, duration, and ability of your loan to meet Mariner Finance’s credit criteria. These criteria include credit history, income, debt, and availability of collateral.

US News was unable to obtain the minimum credit score required for a personal loan from Mariner Finance at the time of publication.

Applicants who have filed for bankruptcy may be considered for a personal loan, subject to underwriting requirements.

Mariner Finance serves 27 states and has more than 480 branches nationwide.

You can apply for a Mariner Finance personal loan if you live in one of the following states: Alabama, Arizona, California, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Mississippi, North Carolina, New Jersey, New Mexico, New York, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington or Wisconsin.

Mariner Finance is not accredited by the Better Business Bureau, but obtains an A-plus rating. Additionally, TrustPilot rates Mariner Finance 3.2 out of 5 stars, which is an average score.

The Consumer Financial Protection Bureau received 46 complaints in 2020 regarding personal loans from Mariner Finance. The main complaints were interest charges and unexpected charges, difficulties in repaying loans, incorrect information on credit reports and problems with payments. The company responded quickly to all complaints, and all were closed with explanation.

If you have a question or problem, call your nearest Mariner Finance branch or 800-373-4004. The branch opening hours are 9 a.m. to 5 p.m. Monday, Wednesday and Thursday; 9 a.m. to 7 p.m. Tuesday; and from 9 a.m. to 5:30 p.m. on Friday.

You can also contact the company at by clicking Customer Support at the top left. Scroll down to “Send Message” and complete the form to receive a response.

You will be able to handle many aspects of the loan process online if you prefer.

  • Get started and in some cases complete the application, depending on your loan.
  • Monitor and pay off your loan.
  • Receive online financing for loans between $ 1,500 and $ 15,000.
  • Send a message to customer service with any questions or issues.
  • Find the nearest Mariner Finance branch.

You can also sign up for an online program called MoneySKILL which aims to help consumers better understand their finances.

  • People who need quick cash.
  • People who can afford potentially high interest rates.
  • People who live in one of the 27 states served by Mariner Finance.


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