Where does Mariner Finance do business?

Mariner Finance is a direct lender based in Baltimore, MD. The company was founded in 2002 and offers personal loans to borrowers in 19 states.

What are Mariner Finance’s rates?

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 prepayment penalties?

No, Mariner Finance does not charge prepayment penalties. 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 $50000

What is the maximum loan term for a Mariner Finance personal loan?

Mariner Finance offers personal loans with terms of up to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments affordable. However, the longer the term of your loan, the more interest you will pay.

What is Mariner Finance’s eligibility criteria?

Mariner Finance only considers applicants who have a credit score of at least 560 to apply.

Active duty servicemembers and covered dependents can also apply for a Mariner Finance loan. High interest loans are not available to members of the armed forces because the The Military Lending Act prohibits lenders from charging them more than a 36% APR.

To qualify, applicants must provide the following documentation:

- Driver license

- Proof of citizenship or residence permit

- Recent pay stubs

- Recent bank statements

You must have a job to qualify for a loan. 

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

Mariner Finance will typically provide a credit approval decision in less than hour and fund the loan within 1 to 7 days. 

  • Loan Amount
    $500 - $50000
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
  • APR
    24% - 36%
  • Max Loan Term (Months)
  • Credit Score Range
    560 - 700
  • Immigration Status Considered
    U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Supported Income Types
  • Verification Documents Required?
    • Recent bank statements
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Origination Fee
    2% - 5%
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
  • Funding Time
    1-7 days
  • Credit Bureau Reporting
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