Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
24% - 36%(Verified 06/21/2024)
Disclaimer popup with additional information
Amount Range
$1,000 - $25,000
Loan Term (Months)
12 - 60
Number of Reviews
Mariner Finance Personal Loans Review
Mariner Finance Personal Loans is offered by Mariner Finance LLC, a direct lender founded in 2002 and based in Baltimore, MD. Mariner Finance personal loans are available in 22 states.
Key Takeaways
- APRs starting at 24%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Mariner Finance Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, Mariner Finance LLC will send the money in as little as 24 hours.
- Prequalified rate. You can check your prequalified rate at Mariner Finance LLC with a soft pull that will not affect your FICO or VantageScore.
- Origination fees of 2% to 5%. This is average for lenders that charge origination fees. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
- Cosigner required. Applicants must have a cosigner to complete an application.
Mariner Finance personal loans Pros & Cons
| Pros | Cons |
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Mariner Finance personal loans FAQ
What interest rates and personal loan terms does Mariner Finance personal loans offer?
Mariner Finance personal loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Mariner Finance personal loans offer?
Mariner Finance personal loans offers a fixed APR personal loan product that ranges from 24% APR up to 36% APR.
How much can you borrow via Mariner Finance personal loans?
Personal loan amounts start at $1,000 and go up to $25,000
What is the maximum loan term you can get with Mariner Finance personal loans?
Mariner Finance personal loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $1000 - $25000 |
| Loan Term | 12 - 60 months |
| APR | 24% - 36% |
What fees does Mariner Finance personal loans charge?
Does Mariner Finance personal loans charge an origination fee?
Mariner Finance personal loans may charge a personal loan origination fee of 2% to 5% of the personal loan amount . Mariner Finance personal loans deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.
Does Mariner Finance personal loans charge a late fee?
Mariner Finance personal loans does not disclose whether it charges late payment fees.
Does Mariner Finance personal loans charge prepayment fees?
No, Mariner Finance personal loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | 2% - 5% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Mariner Finance Personal Loans?
Applicants with a credit score of at least 600 and up to 850 may be eligible for Mariner Finance Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Mariner Finance Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Mariner Finance Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | 600 - 850 |
What is the estimated funding time for a personal loan via Mariner Finance personal loans?
Mariner Finance personal loans will typically fund loans within 1 to 7 business days of approval and clearing necessary verifications.
Does Mariner Finance Personal Loans report your account activity to credit bureaus?
Yes, Mariner Finance Personal Loans reports to the following credit bureaus:
- 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 build your credit.
Does Mariner Finance LLC perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Mariner Finance personal loans allows you to check your rates with a soft credit pull.
Are Mariner Finance Personal Loans legit?
Mariner Finance LLC was founded in 2002, it is a well-established company that has been in business for 24 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
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.
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 - Invalid DateTime
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
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Mariner Finance Personal Loans Community Reviews
Would you recommend Mariner Finance Personal Loans to your friends?
SF
Subomi F.
Nov 12, 2023
May or may not recommend
My experience with Mariner Finance was top-notch. The team was friendly, and the loan process was smooth sailing. They provided the financial support I needed, and their customer service was excellent. If you're in need of a personal loan with a personal touch, Mariner Finance is the way to go!
JW
Janet W.
Nov 8, 2023
May or may not recommend
Mariner Finance Personal Loans provide a reliable option for individuals in need of financial assistance. With flexible terms and competitive rates, it's a trusted choice for personal lending.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I highly recommend Mariner finance through personal experience. And, it's moreover the same as the best rated personal loan companies. I recommend Mariner because they were really understanding of my situation, when i first tried to get a loan from them. And, they've been helpful ever since.
Debby T.
Oct 19, 2022
May or may not recommend
Mariner finance is one of the easiest lenders you can get a personal loan from. They don’t require you to have a perfect credit, and approval speed is as fast as within 24 hours. You could loan anything between $1,000 - $25,000.
Their funding time range is 1 - 7 days once approved. Great customer representatives is a plus!
SS
Santosh S.
Oct 16, 2022
May or may not recommend
I highly recommend Mariner finance through personal experience. And, it's moreover the same as the best rated personal loan companies. I recommend Mariner because they were really understanding of my situation, when i first tried to get a loan from them. And, they've been helpful ever since.
Kelly J.
Jun 13, 2022
May or may not recommend
Usually easy to get approved, don't have to have perfect credit. Not easy If you ever want to get more money or refinance though.
MG
May G.
Jun 8, 2022
May or may not recommend
Mariner Finance is not one of the best places one can get a personal loan although it is one of the easiest. They have great customer service reps. I like that they dont require perfect credit but that they also allow you to use your car as a way to secure a loan from them.
Showing 7 of 7 reviews
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