Mariner Finance review | Personal, car and home loans

Mariner Finance loans

Loan solutions for borrowers with all credit — but at the cost of a high starting APRs.

When you’re in need of financing, you want to know that the lender you choose is a good fit for your needs. Whether it’s a personal loan, a car loan or a mortgage, borrowing money is often a time-consuming process and selecting the right loan provider is an important first step.

We take a look at one loan provider option, Mariner Finance, to help you narrow down your decision.

What types of loans does Mariner Finance offer?

Mariner Finance has a wide selection of financing options available, including:

Personal loans.

  • Rates. Starting at 24.99% APR.
  • Terms. 12 to 60 months.
  • Loan type. Secured, unsecured.
  • Uses. Home improvement, medical expenses, vacation, wedding, debt consolidation.
  • Minimum loan amount. $1,000.
  • Maximum loan amount. $25,000.

Home loans.

  • Uses. Home purchase, refinancing, reverse mortgage.
  • Terms. 15–30 years.
  • Maximum loan. $3 million.

Car loans.

  • Rates. As low as As low as 3%% APR.
  • Terms. Up to 72 months.
  • Loan type. Unsecured.
  • Uses. New or used vehicle purchase, car refinancing.
  • Minimum loan amount. $500.
  • Maximum loan amount. $50,000.

Available in 22 states

Mariner Finance offers loans in the following states:

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 and Wisconsin.

Why should I consider taking out a loan with Mariner Finance?

  • No prepayment fees. Pay off your personal loan early without worrying about prepayment fees or penalties.
  • Apply online. Complete your loan application online to see if you prequalify for a loan in your state. Successful applicants have at least five years of established credit history.
  • Rapid funding. Should you qualify for a loan, typical time to funding is one business day.
  • Cosigners welcome. Mariner allows you to add a cosigner to strengthen your application, and it doesn’t need to be a family member.
  • Repeat borrowing available. If you keep up with loan payments, you could qualify for additional financing.

How much will it cost me to borrow with Mariner Finance?

The APR for a personal loan with Mariner Finance begins at a steep 24.99%. But lenders that are willing to lend to those with poor credit tend to offer high APRs. Other lenders can offer rates as high as 30% or more.

Mariner doesn’t charge prepayment fees, so you don’t have to worry about being slammed with hidden penalties or fees for paying off your loan early.

Origination fees and late fees vary by state, so check with your local Mariner Finance branch to learn more about the fees associated with your loan.

Is it safe to apply for a Mariner Finance loan online?

Yes. Mariner Finance’s website uses a 128-bit SSL-encryption to keep your personal information safe. Moreover, its site is simple and easy to navigate, with well-organized information that pertains to each of its loans. You can apply for a loan and then log into your account to review your loan details.

Customer service is available by calling 800-373-4004 or by visiting a branch in-person — Monday through Friday. Branch hours depend on both branch and state.

How to apply for a loan with Mariner Finance

Mariner Finance will assess your information and let you know if you prequalify for a loan.

Eligibility requirements

  • Be a US citizen or permanent resident with a valid visa.
  • Be at least 18 years old.
  • Established credit history of at least five years.
  • Have a valid bank account.

Pros and cons of borrowing through Mariner Finance

One-day funding turnaroundHigh interest rates starting at 24.99% APR
No prepayment fees or penaltiesMaximum personal loan cap of $25,000
Low credit score borrowers acceptedLack of loan fee transparency for potential borrowers
Repeat borrowing potentialLimited access to customer service on weekends

Compare more personal loan providers

Rates last updated March 25th, 2018

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Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
Name Product Product Description Min. Credit Score Max. Loan Amount APR
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
4.99%–35.99% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
5.99%–35.89% (fixed)
CompareFirst Personal Loans
An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
2.99%–36% (fixed)
Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
5.99%–35.99% (fixed)
Upgrade Personal Loans*
Affordable loans with two simple repayment terms and no prepayment penalties.
5.96%–35.97% (fixed)
Best Egg Personal Loans
5.99%–29.99% (fixed)
FreedomPlus Personal Loans
Consolidate debt and more with these low-interest loans. Cosigners welcome.
4.99%–29.99% (fixed)
Laurel Road Personal Loans
Get a personal loan with no application or origination fees and a rate discount for autopay.
5.5%–11.74% (fixed)
LendingPoint Personal Loans
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
15.49%–34.99% (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
3.09%–35.99% (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
34%–155% (fixed)

Compare up to 4 providers

More about the company

Mariner Finance is a non-traditional lender that offers options to borrowers who may not qualify with traditional providers. Mariner Finance was founded in 2002 and with its headquarters in Baltimore, Maryland. With over 450 branch locations across 22 states, this lender has the resources to provide competitive, flexible loan solutions for its borrowers.

Bottom line

Mariner Finance focuses on personal, car and home loan solutions for borrowers with poor credit. This lender offers quick access to funds and no prepayment fees, but its interest rates for personal loans are high and it doesn’t offer any in-person customer support on weekends.

Remember to explore your options with other lenders to find the most competitive rates and terms.

Frequently asked questions about Mariner Finance

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US Personal Loans Offers

Important Information*
Even Financial Personal Loans

Get connected to competitive loan offers instantly from top online consumer lenders.


Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

LendingClub Personal Loan

A peer-to-peer lender offering fair rates based on your credit score.

SoFi Personal Loan Fixed Rate (with Autopay)

Borrow up to $100,000 with a competitive APR and no fees.

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