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 19 states across the USA.

What are the APRs offered via Mariner Finance?

Mariner Finance has a APR that ranges from 24% 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 via 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 .

Mariner Finance only considers borrowers who are employed.

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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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

No Prepayment Fee
Origination Fee
2% - 5%
Credit Score Range
560 - 850
850 300 560
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
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
  • Only 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
$500 - $50K
$100 $100K+
24% - 36%
4% 100%+

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