Mariner Finance

in Personal Loans

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Mariner Finance


in Personal Loans

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Where does Mariner Finance do business?

Mariner Finance is a direct lender based in Baltimore, MD. Founded in 2002, Mariner Finance offers access to personal loans in 22 states across the USA.

What personal loan APRs are offered via Mariner Finance?

Mariner Finance offers a fixed APR personal loan product that ranges from 24% up to 36% APR.

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 via Mariner Finance?

Loan amounts start at $1,000 and go up to $25,000.

What can a personal loan from Mariner Finance be used for?

Personal loans from Mariner Finance are typically used for special purchases, debt consolidation, home improvement projects, weddings, unexpected expenses or similar purposes.

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

Mariner Finance offers personal loans with terms ranging from 12 to 60 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 loan, the more interest you will pay.

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

Applicants with a credit score of at least 600 can apply for a loan via Mariner Finance . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify for a Mariner Finance loan, applicants need a minimum annual income of $35,000 or higher. Mariner Finance only considers borrowers who are employed and meet the minimum income requirement.

Note that borrowers can add a cosigner to the loan to either meet eligibility requirements or qualify for lower interest rates.

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 within 7 business days of approval.

Does Mariner Finance report loan payments to credit bureaus?

Mariner Finance may report credit data to the following credit reporting agencies:

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

Other Services by Mariner Finance


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 22 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
  • Wisconsin

Feature Breakdown

No Prepayment Fee  
Origination Fee 2% - 5%
Minimum Age 18
Cosigner Optional  
Credit Score Range 600 - 850
850 300 600
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $35,000
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Co-signer
  • Individual Applications
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $1K - $25K
Loan Term (Months) 12 - 60
APR (Fixed APR) 24% - 36%

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