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  Mariner Finance Auto Refinancing Loans

Mariner Finance Auto Refinancing Loans

in Auto Loan Refinancing from Mariner Finance LLC

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Mariner Finance Auto Refinancing Loans

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in Auto Loan Refinancing from Mariner Finance LLC

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Highlights
Highlights
Credit Score Range 600 - 850
Loan Amount $500 - $50,000
APR  (Fixed APR) 3% - 36%
Loan Term (Months) 12 - 72 months

Mariner Finance Auto Refinancing Loans Review

Mariner Finance Auto Refinancing Loans is an auto loan refinance offering by Mariner Finance LLC, based in Baltimore, MD. Founded in 2002, Mariner Finance LLC offers auto refinance loans in 19 states across the USA.

Key Takeaways
  • Fair credit accepted. The credit score needed for Mariner Finance Auto Refinancing Loans is relatively low. Borrowers with a credit score as low as 600 may qualify for Mariner Finance Auto Refinancing Loans.
  • Refinancing for large and small loan amounts. You can refinance auto loans of up to $50,000 with Mariner Finance Auto Refinancing Loans. Supports refinancing as little as $500. If you have a small amount remaining on your loan this is one of your best options.
  • Fast process. In some cases you can refinance your auto loan within 1 business day.
  • Hard credit pull required. You can't check your rates or see if you prequalify for Mariner Finance Auto Refinancing Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the auto refinance loan early.
  • Long loan terms. Mariner Finance Auto Refinancing Loans offers loan terms of up to 72 months. Most auto refinancing loans have a maximum term of 60 months.
Mariner Finance Auto Refinancing Loans Pros & Cons
Pros Cons
  • Low APRs available to qualified borrowers.
  • Considers applicants with fair credit.
  • APRs as high as 36%.
  • Charges an origination fee.
  • Only available in 19 states.
  • Do not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee.
Mariner Finance Auto Refinancing Loans FAQ

How much can you borrow via Mariner Finance Auto Refinancing Loans?

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

What are the auto loan refinancing rates offered through Mariner Finance Auto Refinancing Loans?

Mariner Finance Auto Refinancing Loans offers a fixed APR auto loan refinancing product that ranges from 3% APR up to 36% APR.

What is the maximum loan term you can get with Mariner Finance Auto Refinancing Loans?

Mariner Finance Auto Refinancing Loans offers auto refinancing with terms ranging from 12 to 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does Mariner Finance Auto Refinancing Loans charge an origination fee on auto refinance loans?

Yes, Mariner Finance Auto Refinancing Loans charges a loan origination fee.

Does Mariner Finance Auto Refinancing Loans charge a late fee?

Yes, auto refinance loans via Mariner Finance Auto Refinancing Loans are subject to late payment penalty fees.

Does Mariner Finance Auto Refinancing Loans charge prepayment fees?

Yes, Mariner Finance Auto Refinancing Loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for Mariner Finance Auto Refinancing Loans?

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

Mariner Finance Auto Refinancing Loans does not have or does not disclose a minimum annual income eligibility requirement. Mariner Finance Auto Refinancing Loans only considers borrowers who are employed.

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 and their covered dependents are eligible to apply for a loan via Mariner Finance Auto Refinancing Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Mariner Finance Auto Refinancing Loans. Permanent resident / green card holders are also eligible to apply.

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 an auto loan refinance with Mariner Finance Auto Refinancing Loans?

Auto refinance loan applications are typically approved (or denied) within 24 hours and funded within 1 to 7 days of approval.

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

Mariner Finance Auto Refinancing 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 can help improve your credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   8211 Town Center Drive
    Baltimore, MD 21236
  •   Visit Site

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

Availability

  Available in 19 states
  • Alabama
  • Delaware
  • Florida
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Maryland
  • Missouri
  • New Jersey
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia

Feature Breakdown

Credit Score Range 600 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Approval Speed 24 hours
Credit Bureau Reporting
  • Equifax
  • TransUnion
Funding Time Range 1 - 7 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
APR (Fixed APR) 3% - 36%
Loan Term 12 - 72 months
Loan Amount $500 - $50,000

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