Mariner Finance is a lender that offers personal loans, car loans, and mortgages ranging from $1,000 - $25,000 with APRs of 16% - 35.99%, available to borrowers in 25 states. Here is a quick overview of Mariner Finance’s strengths and weaknesses:
Mariner Finance personal loans provide $1,000 - $25,000 in funding to borrowers in 28 states. But due to high costs, only people with bad credit should consider a loan from Mariner Finance.
The APRs for Mariner Finance loans start at 16% and can be as high as 35.99%. The minimum is extremely high, considering that most lenders offer the possibility of a rate below 10%. However, Mariner Finance’s maximum APR is in line with what other lenders charge. That’s why the only ones who should apply for Mariner Finance loans are people with bad credit who are likely to get an APR near the maximum no matter which major personal loan provider they pick.
Mariner Finance offers secured loans in addition to their unsecured personal loans. Borrowers can use a vehicle as collateral, and may be able to use other types of personal property after discussion with their local branch. It’s possible to get a lower APR or a higher loan amount as a result of securing your loan.
Mariner Finance Review Highlights:
Mariner Finance loan rates: 16% - 35.99%
Loan amounts: $1,000 - $25,000
Payoff periods: 12 - 60 months
Origination fee: 0%
Late fee: Varies by state
Funding timeline: As soon as the same day after approval
Co-signers allowed: Yes
How to pre-qualify: Check your status on Mariner Finance’s website.
Customer satisfaction: Mariner Finance has an A+ BBB rating and an average user rating of 3.4/5 on WalletHub.
Mariner Finance loan requirements: Applicants must be 18+ years old and a U.S. citizen, permanent resident, or immigration-visa holder with an SSN. Applicants also need to live in one of the 27 states Mariner Finance services and provide a government-issued photo ID as well as proof of income.
Mariner Finance personal loans will only benefit people with bad credit. And even prospective borrowers with poor credit will probably be better off applying with one of the major lenders that operate nationally. Below, you can see how WalletHub rates Mariner Finance in our three key categories: Terms, Requirements & Application, and Reviews & Transparency.
Mariner Finance Ratings by Category:
Category
Editor’s Rating
Terms
3.8/5
Requirements & Application
4.3/5
Reviews & Transparency
2/5
Overall Score
10.1/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: Mariner Finance Personal Loans
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kevin reed @kevinreed568
too many lies from this company
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hairbiz7862 @hairbiz7862
I cannot believe how rude Tamils,Kim and several of the other staff. They are so sarcastic and degrading it’s unbelievable. I would get a loan from them again if I was homeless. What a nightmare. I think this has to be the most unprofessional company I have had the misfortune of dealing with. What a group of rude people.
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Michelle Hameed @itsjustmichelle
@hairbiz7862 I agree. I needed their help after a divorce, never again will I do business with them or referrer anyone to do business with them.
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Marvin Turner @turnermarvin
I REGRET DEALING WITH THESE CROOKS! I HAVE AND WILL NEVER EVER PAY THEM BACK! LOL!
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Mariner Finance
bnorth50 @bnorth50
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1 Star Rating
I've been doing business with them for over 8 years. I received a pre-approved letter. So I applied and was approved over the phone, so I took the drive to the Daytona location to finish up refinancing my loan. Tracey then informed me that I was denied. Shaking my head, I will never do business again with a dishonest company like them. But I will say Tracey is an awesome person. Maybe she should try to work for a more honest company. The business is total trash.
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Product: Mariner Finance Personal Loans
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Mariner Finance
Robbie Ro @RobbRo01
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1 Star Rating
Verified Customer
I regret dealing with these people. I pay down my loan, and it shows on my credit as increasing instead of decreasing. I would make a big payment, greater than the minimum due, and it doesn't touch the principal. On top of that, they charge interest per month. These people are engaging in deceptive practices; please stay away!
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Product: Mariner Finance Personal Loans
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Mariner Finance
Whitney nowik @w_nowik713
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1 Star Rating
They are disrespectful and rude, clearly only out for money. It is extremely clear that they do not care about their buyers at all. Run.
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Product: Mariner Finance Car Loans
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Mariner Finance
Sheila Carte @Nursemom
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1 Star Rating
Stay away from them. I responded to one of their advertisements in May 2024 and I regret it every day. NEVER AGAIN! I finally paid them off, but even then, they wanted to charge me $2.57 a day until the check reached their office by mail, which should be the next day. I was told I did not send enough for the payoff. So, what I did is I posted $10.00 to my account to cover the mail processing days. Waiting to see how they handle that, since they are being picky over a few pennies. We all live, and we learn. This has been the worst loaning experience I have ever had.
The people in our local office are rude. I constantly get their advertisements in the mail and when I inquired about their offer and sent them over the documents for approval, they came back wanting me to give them my car for a small loan. I told them no. That was when I knew it was time for me to pay them off and move on, which I did. Besides, the interest rate they offered me is extremely high at 33%. I have good credit and have been a homeowner for over 15 years, never having been late on a payment. They did not consider that at all.
I regret doing business with them and am so happy to be finished with them now. I asked them to please take me off their mailing list for any future offers and to never contact me again. That is how bad my experience with them was.
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Product: Mariner Finance Personal Loans
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0
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Mariner Finance
Nikki Armstrong @MizzLibra2025
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1 Star Rating
I made a horrible choice when I chose to autopawn my car through them. I am paying $320 a month only to have these scam, tacky people only apply $66 a month towards my balance. I regret even contacting Mariner Finance in the first place. The staff in Sacramento is rude and not organized. I do not recommend this place to anyone.
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Product: Mariner Finance Personal Loans
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0
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Mariner Finance
jonescharlene295 @jonescharlene295
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1 Star Rating
Mariner is the worst company. They are cutthroat and are only there to provide harsh, uncaring business methods. Even when you are trying to pay back the debt, they are downright evil. Please stay away! CJ
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Product: Mariner Finance Personal Loans
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Mariner Finance
kwash1813 @kwash1813
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1 Star Rating
Horrible company! They are full of nonsense (for lack of a better word). I applied for a personal loan with them over the phone only to be called back 30 minutes later and be denied because of "the way I paid my bills"... yes, I cannot make this up. Now correct me if I'm wrong, but usually, you're denied if you don't pay your bills. However, being denied for that is by far the most absurd reason to ever deny someone. I clearly dodged a bullet here.
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Product: Mariner Finance Personal Loans
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Mariner Finance
Dianna Penney @diannapenney
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1 Star Rating
Borrowed $1,200.00, and a few weeks later, received a bill with a balance of $1,320.00. I only had the money for two weeks, and paying online was inconvenient; they wanted a fee to process a payment. So I went and got a lower-interest loan at a local bank at 7% and paid it off before the due date of February 10, 2025. I will never do business with this company again. To pay it off in full was $1,331.26, and it was only borrowed for 12 days with a fee of $131.26.
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Product: Mariner Finance Personal Loans
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Mariner Finance
anthony in @tonyi17
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1 Star Rating
Customer service is a joke. They were rude and hung up. I called back twice, and they hung up both times. Finally got through but still cannot reset my password, and it has been 9 hours now. Ridiculous.
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Product: Mariner Finance Car Loans
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Mariner Finance
Wendy Lockman @Mwlockman
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1 Star Rating
I made two late payments in March and April of 2024. I spoke to the office and explained that I was out of work due to COVID-19 and later made up the payments. In December of 2024, I received a civil suit filed for $3,860, while my balance on the online portal showed a current amount of $1,943, with the next payment being due in January 2025.
They are still accepting my online payments but refuse to speak to me directly, stating that I must speak to the attorney. There is currently a predatory lending lawsuit in five states against Mariner. I recommend keeping a distance from this company, as they have been accused of deceitful practices and may charge exorbitant court costs and attorney fees.
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Product: Mariner Finance Personal Loans
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Mariner Finance
christine Finney @christinef55
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1 Star Rating
Verified Customer
I've been with Mariner Finance for over 10 years and have never had an issue. The staff was pleasant, and my loan was always approved. I consistently paid off my loan 6 to 8 months ahead of schedule, sometimes even doubling up on payments. In October 2024, a severe car accident left me unable to work, as I am self-employed. Mariner Finance sent me a letter suggesting I could consolidate my debt, so I went to the local office in Laurel, Maryland. The manager, or perhaps the assistant manager—I'm not sure, as she never introduced herself—did not look over the papers I had sent them or the copies I brought with me and was very rude.
Moreover, she seemed more concerned about my student loans, which are not in repayment until 2032, falsely stating that Equifax reported I was paying $557 a month on them. However, upon checking my Equifax, TransUnion, and Experian reports, they all confirm that my student loan payments are not due until 2032.
This woman flippantly presented my credit score to me, though as a businesswoman I was already aware of the drop due to my recent car loss, after which my account was paid in full and closed.
Her treatment made me feel undervalued and disrespected. It's ironic considering my extensive education and work experience. Not only am I a small business owner with two enterprises established since 1997, but I also financed my education—including two master's degrees, a doctorate, and five graduate certificates—and helped my two children, both with master's degrees, through college. My career spans 50 years across Accounting, IT, Finance, and Management.
Ultimately, I left the office without any assistance. I plan to pay off my original loan in two weeks and will not be patronizing Mariner Finance in the future. Given the type of employees they currently hire, particularly the person I interacted with in Laurel, Maryland, I no longer wish to be associated with this company. The staff, especially the acting manager or assistant manager, exhibited a lack of professionalism, rudeness, and poor customer service and management skills.
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Product: Mariner Finance Personal Loans
Comment
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Mariner Finance
William Kilonsky @BK1985
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1 Star Rating
Terrible Customer Service - Constantly misleading and reaching out to offer more funds, knowing very well they're not going to approve me!
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Product: Mariner Finance Personal Loans
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Mariner Finance
Michelle Hameed @itsjustmichelle
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1 Star Rating
I went through a divorce and reached out to Mariner for a small loan. After having to rewrite my loan due to health issues and taking time off work, I went back to request assistance or an interest payment. I was told they did not offer such services. I also asked not to be called before 4:30 PM due to my work schedule. However, I continue to receive calls, which I consider disrespectful. Furthermore, I worked in banking for many years and understand that a 10-day grace period does not make a payment late. I want to earn as much interest on my money as possible, so I opt to pay by the 10th day. Oh, did I mention this is the Reynoldsburg, OH office? The staff there struggles with professional communication.
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Mariner Finance
mary byrd @gigi03011963
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5 Star Rating
The crew in the Lynn Haven, Florida office are fantastic! Professional, nonjudgmental and very friendly! Thank you, Ginger, Kelly & Toni!
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Product: Mariner Finance Personal Loans
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Mariner Finance Offers
Car Loans
Home Equity
Mortgages
Personal Loans
Mariner Finance Q&A(44 questions)
Get answers to your questions about Mariner Finance below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Mariner Finance's requirements include being at least 18 years old, having enough income or assets to make the monthly payments and having a Social Security number. You will also need to have a verifiable bank account to qualify for a Mariner Finance personal loan.
Mariner Finance Requirements for Borrowers
Credit Score: Not disclosed but know to accept bad credit
Your Mariner Finance approval odds are good if you have a low debt-to-income ratio and meet Mariner Finance's requirements to get a loan. Some requirements include being at least 18 years old, having enough income to make monthly payments and having at least bad credit. If you meet all the requirements, your approval odds are high, but approval is never guaranteed.
What You Need for Good Mariner Finance Approval Odds
Mariner Finance uses Mariner Finance, LLC to fund personal loans. The company offers loans of $1,000 - $25,000 with APRs of 16% - 35.99%, depending on an applicant's creditworthiness, and gives borrowers 12 - 60 months to repay their loans. You can qualify for a personal loan with the Mariner Finance even if you have bad credit.
Key Things to Know About Mariner Finance Personal Loans
Mariner Finance offers both secured and unsecured loans, with secured options including auto loans, mortgages and personal loans, and unsecured options including personal loans and student loans. Secured loans require collateral, such as a car, home, or money in a bank account, while unsecured loans do not.
Secured loans are less risky for Mariner Finance, so you'll typically qualify for lower rates compared to Mariner Finance's unsecured loan options. The downside to a secured...
Mariner Finance does not disclose a specific credit score needed to get a personal loan, unlike many personal loan providers. When evaluating your application, Mariner Finance will consider your entire financial profile, including your income and existing debts, as well as your credit history.
The monthly payment on a Mariner Finance personal loan will be somewhere around $26 to $2,500, depending on how much you borrow, how long you borrow it for and the APR. Mariner Finance offers loans of $1,000 to $25,000 for 12 to 60 months. The company's APR range is 16% - 35.99%.
It is not hard to get approved for a personal loan from Mariner Finance if you have enough income to afford the loan and a valid bank account. Mariner Finance does not disclose any specifics regarding the minimum credit score or minimum income, but they will require proof of income from you when you apply. You will also need to be at least 18 years old, be a U.S. citizen or a permanent resident, and have...
Mariner Finance offers personal loans that can be used to cover medical expenses. Mariner Finance's personal loans offer $1,000 - $25,000 in funding with an APR range of 16% - 35.99%, repayment periods of 12 - 60 months and an origination fee of 0%.
Mariner Finance Personal Loan Info
Loan Amounts:$1,000 - $25,000
Repayment Periods:12 - 60 months
APR Range:16% - 35.99%
Origination Fee:0%
Credit Score Requirement: Not disclosed but know to accept bad credit
Mariner Finance offers only one type of loan, personal loans. These loans offer dollar amounts from $1,000 - $25,000 with repayment periods of 12 - 60 months, and they have an APR range of 16% - 35.99% as well as no origination fee.
Key Facts About Mariner Finance Personal Loans
Loan Amounts:$1,000 - $25,000
Repayment Period:12 - 60 months
APR Range: 16% - 35.99%
Origination Fee:0%
If you think a personal loan is the right choice for you,...
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