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Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Mariner Finance

Finanso.Multilogin™

About lender

Mariner Finance is a consumer finance business that offers various lending options, such as debt consolidation, coverage of unexpected expenses, vacation, car, home, mortgage, personal loans, and also auto, home, or current loan refinancing.

The biggest reasons behind the company's staggering success are no requirements of minimum credit score approval from applicants, numerous personal loan solutions, multiple branch networks, and the ability to post collateral or obtain a co-signer.

Mariner Finance was founded in 2002. Nowadays, it operates in Town Center Drive Baltimore, United States. It has approximately 500 branch networks throughout 27 the US States.

Pros and cons of Mariner Finance

Pros

  • Mariner Finance allows customers to apply for a loan using a variety of methods. Clienteles can do that over the phone, in person, or at a branch network.

  • The company enables customers with filed bankruptcy, weak credit score, and co-signers to be eligible for a personal loan.

  • There are secured and cosigned loans which enable customers to qualify for higher loan amounts and better rates. Also, these types of loans make a co-signer responsible for paying off the clienteles' loans if they are unable to do that.

  • Low minimum loan amount. Hence, customers who need to get a small amount of cash can borrow as little as $1,000.

  • A 5-day satisfaction guarantee. So, the clientele will be able to return the loan amount within 15 days of receiving the money without incurring any interest or fees.

  • No origination fees or prepayment penalties. That means that if the users pay off their loan earlier, they won't be charged any extra amount of money.

  • Pre-qualification for a loan. Customers can see their rates without affecting their credit score. That enables them to choose a lender with the most appropriate loan terms.

  • Business Better Bureau rating of A+ and marvelous Trustpilot reviews.

Cons

  • No rate cut if customers pay on time.

  • Mariner Finance requires a branch visit for a personal loan of less than $1,500 or more than $15,000. However, branches are only available in 25 states.

  • A high annual percentage rate starting at 18% APR.

  • Late and origination fees. It is undisclosed on the company's website and depends on the state a customer lives in.

  • A low maximum loan amount of $25,000, while in other lender companies, clientele can borrow as much as $100,000.

  • Not available in all US states.

Thus, Mariner Finance can be an ideal choice for customers with low credit scores who cannot qualify for another lender with better rates and want to cover their unexpected expenses. Before applying for a loan, clientele have to make sure they live in one of 27 states the company operates in. If customers have excellent credit or want to borrow less than $1,000 or more than $25,000, they should better consider another lender.

Terms and conditions

Personal loans

  • A secured loan means that the clientele will pledge collateral as an assurance that their loan will be repaid according to the agreed terms and conditions. The lender can place a lien or a car on the asset, which remains until the loan repayment, including interest and fees.

  • Unsecured loans imply no property or assets to recover in the event of default. If customers fail to qualify for an unsecured loan, they could obtain a secured loan if they have an asset that can be used as collateral.

Mariner Finances' average APR for personal loans is 18.99%-35.99%. Loan amounts for in-person applicants make up from $1,000 to $25,000 and start at $1,500, going up to $15,000 for online applicants. Loan terms vary from 1 to 5 years. The minimum credit score eligibility is 580. Mariner Finance personal and mortgage loans imply origination, late, non-sufficient funds, one-time and phone payments fees.

Debt consolidation loans

Debt consolidation loans are ideal for customers who want to pay off various unsecured debts, such as credit cards, medical bills, and high-interest loans, by combining them into one loan with one monthly payment.

Car loans

Mariner Finance car loans are appropriate for customers who want to purchase either a new or used car or make auto refinancing. Amounts for this type of a service start at $500 and go up to $50,000. The company offers car loan products at ranges from 3% APR up to 36% APR at loan terms varying from 12 to 72 months. Also, car loans have an option of longer terms that range up to 144 months.

Home loans

Mariner Finance also offers conventional FHA and VA home loans that can be used for refinancing options at a lower rate and a shorter loan term, bill consolidation, or taking cash-out options. Online home loan closing is within 45 days or fewer. Loan terms, loan amounts, and APR vary in different states but usually are the same as in personal loans.

Funding a loan

Mariner Finance sends the funds either to a customer's bank or provides a check that they can receive at a local branch. Usually, clienteles can get money within 1 or 2 business days after approval. Generally, the operational time of the lender is a couple of months.

FAQ

Does Mariner Finance report to credit bureaus?

Yes, Mariner Finance reports directly to Equifax, TransUnion, and Experian credit bureaus.

Is Mariner Finance affiliated with 1st Mariner Bank?

No, Mariner Finance is not affiliated with 1st Mariner Bank.

What company is Mariner Finance?

Mariner Finance is a consumer finance company that offers personal loans.

Company documents

Terms of Use
Privacy Statement
Licensing & Disclosures

Whether you want to consolidate your debt, pay your bills, or travel to your dream destination, Mariner Finance is here to help you.

© Mariner Finance

Financial products

Mariner Finance
Unexpected Expenses
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$1,000 - $25,000
Rate
i

Effective interest rate on the product

18.99% - 35.99% APR
Term
i

Loan term for the financial product

12 - 60 months
Mariner Finance
Finance Car Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500 - $50,000
Rate
i

Effective interest rate on the product

3% - 36% APR
Term
i

Loan term for the financial product

12 - 72 months
Mariner Finance
Home Refinance
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $1,500,000

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Calculate loan payments at Mariner Finance

Mariner Finance calculator will allow you to calculate an approximate payment schedule for the loan

Mariner Finance calculator
Interest rates are given in accordance with the rates of the Mariner Finance in Washington, D.C. as of 24.09.2022
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What to focus on before applying for a loan with Mariner Finance

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Mariner Finance and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Mariner Finance’s reviews by September 2022
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