Mariner Finance Car Loans
Mariner Finance Car Loans
in Auto Loans from Mariner Finance LLC

Mariner Finance Car Loans

in Auto Loans from Mariner Finance LLC
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Credit Score Range 600 - 850
Loan Amount $500 - $50,000
APR  (Fixed APR) 3% - 36%
Loan Term (Months) 12 - 72 months

Mariner Finance Car Loans Review

Mariner Finance Car Loans is offered by Mariner Finance LLC, a direct lender founded in 2002 and based in Baltimore, MD. Mariner Finance Car Loans are available in 20 states across the USA.

Mariner Auto finance FAQ

How much can you borrow via Mariner Auto finance?

Mariner Auto finance loan amounts start at $500 and go up to $50,000.

What APR does Mariner Auto finance offer on its car loans?

Mariner Auto finance offers a fixed apr car loan product that ranges from 3% APR up to 36% APR.

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 inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with Mariner Auto finance?

Mariner Auto finance has car loans with terms ranging from 12 to 72 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does Mariner Auto finance charge an origination fee?

Yes, Mariner Auto finance may charge a loan origination fee.

Does Mariner Auto finance charge a late fee?

Yes, Mariner Auto finance charges borrowers with a late payment penatly fee

Does Mariner Auto finance charge prepayment fees?

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

Can I pay off early my Mariner Auto finance loan?

Yes, you can. Mariner Auto finance does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for Mariner Finance Car Loans?

Applicants with a credit score of at least 600 and up to 850 may be eligible for Mariner Finance Car Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Mariner Finance Car Loans does not have or does not disclose a minimum annual income eligibility requirement. Mariner Finance Car Loans only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members are eligible to apply for a loan via Mariner Finance Car Loans. Their rates fall within the limits of The Military Lending Act.

To qualify, applicants may need to provide the following documentation:

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

What is the estimated funding time for a car loan via Mariner Auto finance?

Mariner Auto finance will typically approve (or deny) a car loan application within 24 hours and fund the car loan within 7 business days of approval.

Does Mariner Finance Car Loans report your account activity to credit bureaus?

Yes, Mariner Finance Car Loans reports your account activity to the following credit reporting agencies:

  • Equifax
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Is Mariner Finance LLC a legit company?

Mariner Finance LLC was founded in 2002, it is a well-established company that has been in business for 21 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Message From Mariner Auto finance

Whether you’re looking to purchase a new or used car or refinance your current vehicle, Mariner Finance can help find a financing solution that fits your needs and puts you in the driver’s seat. Our terms are flexible, and our response times are fast. Apply for financing a new car loan, used car loan or refinance your existing auto loan at Mariner Finance.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 7:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:30pm
  • Saturday Closed

Other Services by Mariner Finance LLC


  Available in 20 states
  • Alabama
  • Delaware
  • Florida
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Maryland
  • Missouri
  • New Jersey
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin

Feature Breakdown

No Prepayment Fee
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
Credit Score Range 600 - 850
Approval Speed 24 hours
Credit Bureau Reporting
  • Equifax
  • TransUnion
Funding Time Range 1 - 7 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
APR Type Fixed APR
Loan Amount $500 - $50,000
APR (Fixed APR) 3% - 36%
Loan Term 12 - 72 months

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