What You Need to Know
If you apply for a loan and then change your mind, you can return the money without facing any fees. You must return the money within 15 days after opening the loan. The money must be returned in the form of cash or certified funds.
There is not a list of minimum requirements to be able to apply for a loan with Mariner Finance. Anyone is welcome to apply. Once you apply, Mariner Finance performs a soft credit check. The soft credit pull is how they decide if you receive approval, along with your interest rate, and loan term. Loan approval may depend on certain factors, but applying does not have requirements.
Mariner Financial does not offer lending options in all states. If you do not live in a state where Mariner Finance operates, you cannot apply for a loan. The states where Mariner Finance operates are:
- Alabama
- Delaware
- Florida
- Georgia
- Indiana
- Illinois
- Kentucky
- Louisiana
- Maryland
- Mississippi
- Missouri
- New Jersey
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Wisconsin
You cannot open all Mariner Finance personal loans online. Personal loans ranging from $1,500 to $15,000 can be applied for online. If you wish to apply for a loan higher or lower than these amounts, you must visit a local branch location.
Qualifications to Apply for Mariner Finance Loans
- Annual Income: Verifiable
- Job History: Verifiable
- Debt-to-Income Ratio: DOSCC
- Minimum Credit Score: DOSCC
- Credit History Length: DOSCC
- Credit Bureau Inquiries: DOSCC
- Bankruptcy History: Depends on underwriting
- Past Loan Denial: Can reapply with a cosigner
- U.S. Citizenship Required: Yes, or permanent resident
- Required Age: 18
- SSN Required: Yes
- Valid Bank Account Required: Yes
Useful Information About Mariner Finance Loans
- Business Loans Offered: No
- Cosigner Loans Offered: Yes
- Joint Loans Offered: Yes
- APR Range: 19.99-40%
- Fixed Interest Rates: Yes
- Repayment Options: ACH, branch location, checks, online, phone
- Payments Due: Monthly
- Payment Methods Fees: Depends on method and state of residence
- Smallest Loan: $1,500
- Largest Loan: $15,000 online, up to $25,000 at a branch location
- Loan Term Lengths: 1-4 years
History and Achievements
Mariner Finance started in 1927. Company headquarters are in Baltimore, Maryland. Mariner Finance offers a variety of loans. Employees work to find the best lending options for their customers. Today they have 450 branch locations in 22 states across the United States.
Frequently Asked Questions
Can I apply for a loan entirely online?
Yes. You can also apply for a loan at a branch location or over the phone.
What is the lowest my credit score can be?
Mariner Finance does not have a minimum credit score. They consider your credit score along with other factors when deciding approval. Those factors include credit history, debt, and income.
What is the smallest loan amount available?
The minimum loan amount you can apply for online is $1,500. If you want a lower amount, you must apply at a branch location.
What is the largest loan amount available?
The largest amount you can apply for online is $15,000. If you want to apply for a larger amount, you must visit a branch location.
What are the loan term lengths?
Loan term lengths generally range from one to four years. Some loans can be five years in length, depending on the loan amount.
Are the interest rates competitive?
Mariner Finance interest rates range from 19.99 to 40 percent. The rate you receive depends on your qualifications.
Are the interest rates fixed?
Yes. Mariner Finance personal loans offer fixed interest rates for the life of the loan.
What types of loans are available?
Mariner Finance offers personal, car, and home loans. You can use personal loans for weddings, vacations, and home improvements. You can use the money for unexpected expenses and debt consolidation as well.
What information do I need to apply for a loan?
Mariner Finance requires an address, birthday, and phone number. They will verify your email address, bank account information, and SSN. Other information may be necessary, depending on your application.
How long does approval take?
Approval for Mariner Finance personal loans could take a few minutes to a few days. Approval time depends on your application and qualifications. If you apply online, a representative should call you the same business day to talk about your loan.
How long will it take the money to enter my account after approval?
Online loans generally fund within two business days. The money transfers into your linked bank account. If you apply for a loan at a branch location, you can receive the money after loan approval. Loans opened at a branch location can receive the money through a check.
If I have been denied a loan before, how long do I have to wait to apply again?
There is not a set amount of time you must wait. You can reapply with a cosigner to increase the approval rate.
What are the payment options to repay my loan?
Mariner Finance offers a variety of ways to repay your loan. You can set up automatic payments or make payments online. You can pay over the phone or mail in a check. You can also stop by a branch location to make your loan payment.
Can I pay my loan off early?
Yes. Mariner Finance does not have a fee for paying your loan off early.
Is my information secure?
Mariner Finance offers security measures that comply with federal laws. Their computers have safeguards. Their buildings and files are secure.
Does this loan company offer a mobile app?
A mobile app is not listed on the Mariner Finance website.
How do I contact customer service?
Through phone, email, or by visiting a local branch. You can follow Mariner Finance on Facebook, LinkedIn, and Twitter.
Bank Contact Information
Mariner Finance
P.O. Box 44490
Baltimore, MD 21236
877-310-2373
