Where does Mariner Finance do business?

Mariner Finance is a direct lender based in Baltimore, MD. It was founded in 2002 and offers access to personal loans in 19 states across the USA.

What range of rates does Mariner Finance offer?

Mariner Finance offers personal loans with APRs starting at 24% and up to 36%.

Does Mariner Finance charge an origination fee?

Yes, Mariner Finance charges a loan origination fee of 2% to 5% of the loan amount. Mariner Finance deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow. 

Does Mariner Finance charge a late fee?

Yes, Mariner Finance may charge borrowers a late payment fee

Does Mariner Finance charge prepayment fees?

No, Mariner Finance does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow from Mariner Finance?

Loan amounts start at $500 and go up to $50,000.

What do you need to qualify for a loan with Mariner Finance?

Applicants with a credit score of at least 560 can apply for a loan via Mariner Finance.

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

Only U.S. citizens and permanent residents can apply for a loan.

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

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

What is the estimated funding time for a personal loan via Mariner Finance?

Mariner Finance will typically approve (or deny) a loan application within 24 hours and fund personal loans as soon as 1 business day of approval.

Does Mariner Finance report loan payments to credit bureaus?

Mariner Finance reports credit data to the following credit reporting agencies:

  • Equifax
  • Transunion

  • Institution Type
    Direct Lender
  • Credit Score Range
    560 - 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
    Only Individual Applications
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Origination Fee
    2% - 5%
  • Approval Speed (Hours)
  • Credit Bureau Reporting
    • Equifax
    • TransUnion
  • Funding Time Range (in days)
    1 - 7
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
  • Loan Amount
    $500 - $50000
  • APR
    24% - 36%
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