Mariner Finance is a personal loan provider catering to borrowers with varying credit scores—including those with less-than-perfect credit. With hundreds of branch locations across the U.S., Mariner stands out for its in-person service and willingness to work with borrowers who might not qualify with traditional banks.
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Key Features of Mariner Finance
- Loan Amounts: $1,000 to $25,000 (and sometimes up to $50,000 in select states)
- Loan Terms: 12 to 60 months
- APR: Typically 18% to 35.99%
- Credit Score: Accepts fair to poor credit
- Prequalification: Available with a soft credit check
- Branch Network: 450+ physical locations
👍 Pros
- Available to borrowers with fair or poor credit
- Fast funding, sometimes same-day
- Prequalification doesn’t affect your credit score
- In-person support at local branches
👎Cons
- High interest rates, especially for lower credit scores
- Origination fees may apply
- Not available in all states
- Requires in-person visit to complete application in many cases
How to Apply for a Mariner Finance Loan
- Visit the Mariner Finance website or stop by a local branch.
- Check if you prequalify with a soft credit check.
- Submit a full application with documents (ID, proof of income, bank info).
- If approved, sign your documents—often in person—and receive funds quickly.
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Mariner Finance Products & Services
Mariner Finance offers a variety of lending solutions tailored to individuals who may not qualify through traditional banks. Their services include:
- Personal Loans: Unsecured and secured loans for debt consolidation, medical bills, or unexpected expenses.
- Home Loans: Limited home equity loan options in select states.
- Auto Loans: Financing for new or used vehicles and refinancing options.
- Retail Financing: Loans offered in partnership with select retailers for big-ticket purchases.
Loan amounts typically range from $1,000 to $25,000 depending on your state and credit profile.
Mariner Finance Locations
Mariner Finance operates over 450 branch locations across 27 states, including:
You can visit their website to locate a branch near you. Note that online loan applications are available in select states as well.
Mariner Finance vs. Competitors
Mariner Finance caters primarily to borrowers with fair to poor credit. While this makes them more accessible, their interest rates can be much higher than traditional banks or credit unions.
Compared to online lenders like Upstart, Avant, or LendingClub—which often offer faster approvals and lower APRs—Mariner’s in-branch model may feel outdated and more time-consuming.
For those already struggling with debt, applying for another loan may not be the best move. That’s where debt relief can be a better option.
Should You Choose Mariner Finance?
If you’ve exhausted your other options and need quick access to funds despite a low credit score, Mariner Finance can be a decent short-term solution. However, the high interest rates and potential fees make it less appealing than alternative forms of debt relief for those dealing with ongoing financial hardship.
As always, it’s smart to compare lenders, check your credit score, and speak with a financial advisor before committing.
Frequently Asked Questions About Mariner Finance
1. Is Mariner Finance a legitimate lender?
Yes, Mariner Finance is a licensed and regulated consumer finance company with over 450 branches across 27 U.S. states. They specialize in offering personal loans to borrowers with a wide range of credit profiles.
2. What credit score do I need to get approved?
There’s no official minimum credit score, but Mariner often works with individuals who have fair or poor credit. Applicants with scores around 580 or higher may still qualify, especially if applying in person or using collateral.
3. How much can I borrow from Mariner Finance?
Loan amounts typically range from $1,000 to $25,000, though exact limits depend on the state you live in, your credit history, and whether the loan is secured or unsecured.
4. What interest rates does Mariner Finance charge?
APR ranges from approximately 18% to 36%. The rate you receive depends on your credit profile, income, and loan type. Rates are generally higher than those from traditional banks.
5. How fast is the approval and funding process?
Some borrowers get approved the same day they apply, especially if they visit a local branch. Once approved, funds are usually deposited within 1 to 3 business days.
6. Are there any fees?
Mariner may charge an origination fee, late payment fees, and NSF (non-sufficient funds) fees. Terms vary by state, so it’s important to review your loan agreement carefully.
7. Can I pay off my loan early?
Yes. Mariner Finance does not charge prepayment penalties, so paying off your loan early can help you save on interest.
8. Can I apply online?
Yes, you can apply online in most states. However, depending on your credit and state regulations, you might need to visit a local branch to finalize your application.
9. Where are Mariner Finance branches located?
They operate in over 25 states, including Texas, Florida, Maryland, Virginia, and Georgia. You can find the nearest branch using the locator on their website.
10. What if I’m already struggling with debt—should I still apply?
If you’re carrying high-interest debt already, taking on another loan may worsen your situation. In that case, you may want to explore debt relief instead. Companies like New Era Debt Solutions can help you settle your existing debts for less than you owe, without needing to borrow more money.
Amine is an entrepreneur, investor and financial writer that covers the US economy, inflation, alternative investments, cryptocurrencies and more. He has been involved in the space for over a decade.
