Mariner Finance offers personal loans online, over the phone and at its physical branches. Their customer service is widely acclaimed and applications don’t impact borrowers’ credit scores when applied for.

Mariner can prequalify you for a loan by collecting basic information and verifying income. Once approved, additional documents may need to be provided as evidence of approval.

Low minimum loan amount

Mariner Finance offers lower minimum loan amounts than many other personal loan lenders, as well as multiple ways for users to make monthly payments, such as online, phone or mail payments. But it’s essential that applicants carefully consider both risks and rewards of applying for one before applying with Mariner Finance.

Mariner offers unsecured personal loans of up to $25,000 for credit-qualified borrowers with higher than average credit scores or past bankruptcy. While its rates are higher than other lenders’ offerings, Mariner provides unique features: co-signers on personal loans are accepted – something rare among lenders today.

Mariner loans offer you an effective financial tool to meet your goals, whether that means making home repairs, purchasing a new car, or clearing off debts. Online rate check can help determine your rate without impacting your credit score; plus use their loan calculator to estimate monthly payments.

Mariner Finance should raise alarm bells with potential borrowers. One red flag is its questionable marketing tactic of sending «live checks» to pre-qualified customers; once these checks have been cashed or deposited they automatically enter into loan agreements. Furthermore, Mariner Finance has received complaints for setting sales targets that encourage employees to mislead borrowers into adding products such as credit insurance to their loans.

No origination fees

Mariner Finance offers both unsecured personal loans and debt consolidation options that can help you pay off high-interest credit card balances more easily. In addition, Mariner offers secured loans with lower APRs by pledging assets like your car as collateral for these secured loans. Applicants also have the option of adding cosigners as additional backing on their applications to increase the chances of approval or qualify for larger loan amounts.

Mariner Finance makes the application process for personal loans easy: just visit their website and complete an online application that collects basic details, including your name, address, citizenship status, date of birth and Social Security number. Prequalify online without impacting your credit score before being reviewed for approval; once approved they’ll send a check directly to either one of your Mariner Finance branches or bank account.

Mariner Finance offers customer support online, over the phone and at its physical branches. Their mobile app boasts an average rating of 4.5 stars on App Store and allows borrowers to track loan and payment history all in one convenient place; compatible with iOS and Android devices. Although Mariner Finance’s terms and requirements may be competitive with similar lenders, those with good to excellent credit should research other lenders prior to applying at Mariner Finance.

No prepayment penalties

Mariner Finance does not charge prepayment penalties, making it easier for you to pay off your loan early. They also report payment information directly to credit bureaus so your score can improve over time. You can make monthly payments online, over the phone, or in one of their branches.

Mariner Loans provides fast loan approvals, with most applicants being approved in as little as one or two days following application. More complex applications may take longer. Mariner accepts numerous documents that support your application – proof of income, valid ID documents and most recent bank statements are among them – plus cosigning can improve chances of approval further.

To prequalify for a Mariner Finance personal loan, simply visit its website and fill out all necessary information. You’ll be required to provide your name, address, email address and Social Security number. Mariner will conduct a soft credit pull without impacting your score; using this data Mariner will then display available loan amounts and terms.

Mariner Finance offers personal loans from $1,000 to $25,000 with larger amounts available by visiting one of its branches. They also provide secured personal loans, which require you to pledge your vehicle as collateral; secured personal loans typically offer lower APRs than their unsecured counterparts as they give the lender something tangible if repayment fails. They are licensed in 27 states and provide mobile apps so borrowers can manage and make payments remotely; Mariner is rated an A+ by Better Business Bureau with an average customer review rating of 4.2 stars on Trustpilot.

15-day satisfaction guarantee

Mariner Finance stands out in the industry by offering a 15-day satisfaction guarantee that allows borrowers to return the money borrowed without incurring charges – an outstanding feature not offered by all lenders.

Mariner offers low minimum loan amounts with no origination fees or prepayment penalties to save borrowers money in the long run. They also provide secured personal loans that allow borrowers to use their vehicles as collateral.

Apply online or visit one of the branches. Applicants will need proof of income, government-issued ID and Social Security number before adding a cosigner – this could help secure them an offer with more favorable terms.

Mariner Finance also offers auto title and vehicle repossession loans as an alternative option for people with poor credit who need a car purchase. While not suitable for everyone, these loans could provide useful assistance when needed.

Mariner Finance offers personal loans in 28 states. While its good reputation among consumers may turn some off, its lack of transparency regarding rates may deter others. We suggest seeking out another lender who better fits your needs and financial situation when applying for personal loans – Mariner Finance customer service can be reached online, via their app and over the phone while customers can visit local branches for assistance if needed.