Features

Where does Mariner Finance do business?

Mariner Finance is a direct lender based in Baltimore, MD. It was founded in 2002 and offers auto loans in 20 states across the USA.

What APR does Mariner Finance offer on its auto loans?

Mariner Finance offers auto loans with APRs starting at 3% .Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools.

What is the maximum loan term for a Mariner Finance auto loan?

Mariner Finance offers auto loans with terms of up to 72 months. Lenders that offer longer terms can offer larger loan amounts and lower monthly payments. However, remember that the longer the term of your loan, the more interest you will pay. 

Does Mariner Finance charge an origination fee?

Yes, Mariner Finance charges a loan origination fee .

Does Mariner Finance charge a late fee?

Yes, Mariner Finance charges borrowers with a late payment penatly fee.

Does Mariner Finance charge prepayment penalties?

No, Mariner Finance will not charge you a penalty fee for paying your loan early. Whenever possible choose lenders like Mariner Finance that don't charge a prepayment penalty fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What is Mariner Finance’s eligibility criteria?

Mariner Finance requires borrowers to have a credit score of at least 600 to apply.

To qualify, applicants must provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via Mariner Finance?

Mariner Finance will typically approve (or deny) a loan application within 24 hours and fund auto loans within 1 and 7 days of approval

Does Mariner Finance report loan payments to credit bureaus?

Making regular payments to a lender that reports to one or more credit bureaus may help you improve your credit score. Mariner Finance reports credit data to the following credit reporting agencies:

  • Equifax
  • Transunion

  • Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
  • Max Loan Term (Months)
    72
  • Credit Score Range
    600 - 850
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
    18
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Institution Type
    Direct Lender
  • APR
    Starting at 3%
  • Approval Speed (Hours)
    24
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Credit Bureau Reporting
    • Equifax
    • TransUnion
  • Loan Amount
    $500 - $50000
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