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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's pay off

Finanso.Multilogin™

How to pay back a loan

Mariner Finance has a few loan payment methods. Firstly, customers can make a single or set up recurring payments via the Customer Account Center. Secondly, they can pay for a loan at their local branch or by phone from a bank account. If Mariner Finance users opt for sending a payment by mail, they can address payments to Mariner Finance, LLC, PO Box 44490, Baltimore, MD 21236, attaching the account number.

Early payoff

Borrowers can pay back their loans earlier. In this case, they will not have to pay interest for the entire length of the loan. If clienteles pay off a loan earlier, they will not be charged any penalties or prepayment fees.

FAQ

Will I receive monthly statements from Mariner Finance?

No, you will not receive monthly statements from Mariner Finance. Nevertheless, the company offers online access to account information through the Customer Account Center. Also, you can contact your local branch to clarify all needed details.

Can I make automatic payments with Mariner Finance?

Yes, Mariner Finance provides automatic payment options through the Customer Account Center. Alternatively, you can set up automatic payments through your own bank account.

What are the available Mariner Finance payment methods?

From the Customer Account Center, Mariner Finance customers can make a single payment or set up recurring payments. Moreover, they can pay a loan at their local branch or by phone from a bank account. In some states, for one-time or phone payments, clientele may be charged fees. However, there are no fees for recurring, in-person, made at a branch, or mailed-in payments.

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
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Effective interest rate on the product

18.99% - 35.99% APR
Term
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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

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 25.09.2022
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Specify the desired loan amount

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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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