Mariner Finance

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
• Income: Not disclosed
• Age: 18+
• Citizenship: U.S. citizen, permanent resident or immigration visa holder
• Identification: Social Security number
• Bank Account: Verifiable bank account
• Residency: One of the 22 states Mariner Finance services

Before you apply for any personal loan, it's a good idea to pre-qualify. While meeting all of the requirements gives you a good chance of approval, it's never guaranteed. To pre-qualify with multiple lenders at once, check out WalletHub's free pre-qualification tool.

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

• Credit Score Requirement: Not disclosed, but does consider bad credit
• Age: 18+
• Identification: Social Security number
• Bank Account: Verifiable bank account
• Residency: All states except Iowa and U.S. territories
• Citizenship: U.S. citizen, permanent resident or immigration visa holder
• Income: Not disclosed

Before applying for any personal loan, it's a good idea to check to see if you pre-qualify in order to estimate your approval odds. You can use WalletHub's free pre-qualification tool to check with multiple lenders at once.

Mariner Finance uses Mariner Finance, LLC to fund personal loans. The company offers loans of $1,000 - $25,000 with APRs of 18.99% - 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

• Loan Amounts: $1,000 - $25,000
• APRs: 18.99% - 35.99%
• Repayment Periods: 12 - 60 months
• Credit Score Requirement: Not disclosed but they are known to accept people with bad credit
• Late Fee: Depends on state
• Origination Fee: $0
• Prepayment Fee: $0

For more information, check out the full Mariner Finance review on WalletHub.

Yes, Mariner Finance personal loans are legit because Mariner Finance is registered to do business in the states it services, which is a legal requirement to be a legitimate lender. Another reason why Mariner Finance personal loans are legit is that the lender has a rating of A+ from the Better Business Bureau.

Why Mariner Finance Personal Loans Are Legit

• Mariner Finance is registered as a business in the states it services.
• Mariner Finance has a Better Business Bureau rating of A+.
• Mariner Finance has been around since 2002.
• Mariner Finance has an average user rating of 3.9/5 on WalletHub.
• Mariner Finance personal loans have a rating of 3.7/5 from WalletHub's editors.
• Mariner Finance has a secure website, which you can tell by the fact that the URL has "https" in front of it.

While Mariner Finance personal loans are legit, they may or not be the best choice for you. It's important to compare the terms and requirements of Mariner Finance personal loans against your other options before submitting an application

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 loan is that you run the risk of losing your collateral and hurting your credit score if you fail to make the payments. However, Mariner Finance reports payment information to the major credit bureaus every month, so if you make your payments on time, you can boost your credit score.

For more information, visit WalletHub's Mariner Finance reviews page.