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Mariner Finance car loans review

Can this non-traditional lender help you get an affordable car loan?

If you’re getting ready to purchase a new or used vehicle, an auto loan can help you cover the purchase price of the car you want. Mariner Finance offers loans with interest rates as low as 3%, and you may be able to borrow up to $50,000. However, it doesn’t list all the potential fees that may apply, so you’ll want to do some digging before you apply.


Min. Loan Amount


Max. Loan Amount

Starting at 3%



Min. Loan Amount$500
Max. Loan Amount$50,000
APRStarting at 3%
Interest Rate TypeFixed
RequirementsMust be a US citizen or permanent resident with a valid driver’s licence and a personal credit score of at least 600.

First, do I qualify?

  • You have a personal credit score of at least 600.
  • You ave a valid US driver’s license.
  • You are a US citizen or permanent resident.
  • You are at least 18 years old.

What types of car loans does Mariner Finance offer?

Mariner Finance offers car loans to eligible applicants with speedy turnaround, no prepayment penalties and repeat borrowing potential. But if you’re looking for specific details on what its car loan options are, you’re out of luck. Even with dedicated pages for its new car loans, used car loans and car loan refinancing, there isn’t much information available on how much the loan will cost or the borrowing process.

What are the benefits of a Mariner Finance auto loan?

  • Quick and easy application. Filling out an application for an auto loan with Mariner Finance can be done online and completed in a matter of minutes.
  • Swift funding turnaround. Once your application is processed and approved, your funds could be deposited in as little as one business day.
  • No prepayment fees. Pay off your loan at any time without the inconvenience of prepayment penalties.
  • Cosigners welcome. If you’d like to strengthen your loan application and secure a lower APR, Mariner welcomes you to add a cosigner to your application.

What to watch out for

  • Limited availability. Mariner Finance auto loans are only available to residents in the 22 states it services.
  • Lack of fee transparency. Mariner Finance is woefully ambiguous about potential fees associated with its auto loans, so be wary of loan processing fees and late payment penalties.
  • In-person application required. You can start the loan application process with Mariner Finance online, but you’ll need to follow up in-person with a Mariner Finance loan specialist to submit your documentation.

Compare more car loan providers

Explore your options by minimum credit score, APR, loan term and requirements. Select the Go to site button for more information about a particular lender.

Name Product Filter Values Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
No minimum credit score
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

Mariner Finance reviews and complaints

BBB accredited No
BBB rating A+
BBB customer reviews 1.28 out of 5 stars, based on 60 customer reviews
BBB customer complaints 288 customer complaints
Trustpilot Score 3.2 out of 5 stars, based on 4 customer reviews
Customer reviews verified as of 16 October 2020

Mariner Finance isn’t accredited by the Better Business Bureau (BBB), but it does have an A+ rating. However, there are only two reviews and almost 200 complaints filed against the company.

Borrowers praise its quick funding turnaround and the option to add a cosigner for potentially lower interest rates but warn of predatory methods used to encourage borrowers to accept unnecessary additional funding. Some borrowers also suggest that Mariner Finance sends misleading preapproval offers in the mail that loop borrowers into multiple loans.

Where are Mariner Finance car loans available?

  • Alabama
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Maryland
  • Mississippi
  • Missouri
  • New Jersey
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin

How do I apply?

  1. Go to Mariner Finance’s website and select Apply Now.
  2. Select the loan amount you’re interested in applying for. Select Continue.
  3. Fill out your personal information. Tell Mariner Finance more about yourself, including your full name, address, birthday, phone number, email address, Social Security number, employment status and income information.
  4. Create an account by entering a password and reviewing Mariner Finance’s Terms of Service, then select Continue.

Mariner Finance assesses your information and lets you know if you prequalify for a loan. Then, you’ll need to visit your nearest Mariner Finance branch to provide your loan officer with the necessary documentation.

What documents do I need to apply?

  • Social Security number.
  • A valid email address.
  • A valid US driver’s license.
  • Proof of citizenship or residence permit.
  • Proof of residence, including government-issued ID with your current address.
  • Income and employment information, including recent pay stubs.
  • Your most recent tax return.

I got the Mariner Finance auto loan. Now what?

  • Set up automatic payments. Log in to the Mariner Finance online account you created when you applied for your loan and set up automatic withdrawals so that you don’t fall behind on payments.
  • Review your loan agreement. Late fees and penalties with Mariner Finance vary by state, so check your loan agreement to learn about what fees are associated with your loan.
  • Contact customer service. If you have any questions about your loan or think you’ll miss an upcoming payment, reach out to Mariner Finance at your earliest opportunity. Customer service representatives are available by calling 800-373-4004 or visiting a branch in-person Monday through Friday. Branch hours may vary.

Bottom line

Mariner Finance offers auto financing to borrowers looking to fund the purchase of a new or used vehicle or refinance a pre-existing auto loan. APRs start at , but vary depending on your credit score and annual income. If you’re in need of a car loan and reside in one of the 22 states Mariner Finance serves, then you’re in luck, but be on the lookout for hidden fees and late payment penalties.

It’s wise to review your auto financing options with other potential lenders before applying for a loan. Learn more about car loan providers near you and select the loan type and term that best fits your budget.

Frequently asked questions about Mariner Finance

What other financing products does Mariner Finance offer?

Mariner Finance specializes in multiple loan products, including personal loans and mortgages.

Will prequalifying for a car loan with Mariner Finance affect my credit?

No. Mariner Finance performs a soft pull, or soft credit check, of your credit history, which doesn’t affect your credit score.

Once I’ve submitted my loan application, how long until I hear back from Mariner Finance?

If you’ve submitted documents to complete your application, you should hear back from Mariner Finance within one business day about the status of your application.

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