Mariner Finance offers flexible personal loans that are easily applied for online. Their branch locations enable borrowers to interact directly with customer service representatives.

However, according to a lawsuit against Mariner Lender, they may use high sales quotas and incentives as pressure tactics on borrowers into adding products like credit insurance or refinancing loans at greater than necessary rates. It would be wiser to explore other personal loan options before selecting Mariner as your lender.

Requirements

Mariner Finance offers personal loans designed to assist borrowers in meeting various financial goals. Loan amounts range from $1,000 to $25,000, with interest rates depending on each borrower’s credit profile and loan terms selection. They also offer secured personal loans that allow borrowers to secure their loans with vehicles or other assets as collateral.

Mariner’s online application enables borrowers to pre-qualify for personal loans using a soft credit pull without negatively affecting their credit scores. This can help determine whether the rates meet budget constraints while giving a preview of loan offers prior to submitting formal applications.

As part of their application, Mariner requires applicants to provide personal and income verification information, along with documentation including W-2s, pay stubs or bank statements in accordance with state requirements. Furthermore, there may be an option available through Mariner of adding a cosigner who could increase chances of approval while simultaneously helping lower interest rates.

When considering Mariner Finance as a lender for your personal loan needs, it’s essential that you compare it against other options. Mariner’s excellent Better Business Bureau rating and longstanding history may make them a safe bet; however, you might find more favorable terms with another lender. Also read customer reviews so as to gain an understanding of their strengths and weaknesses.

Rates

Mariner Finance offers both secured and unsecured personal loans of any size up to $255,000 in loan amounts (with specific state limitations determining maximum loan amounts). Applications can be submitted online, over the phone, or at one of its branches – once approved funds can be dispersed directly into an applicant’s bank account within one or two business days, either via direct deposit or check.

Mariner offers flexible credit requirements and will accept cosigners. In addition, Mariner provides a 15-day satisfaction guarantee; you can return your loan if it doesn’t suit you if necessary. However, their website doesn’t disclose rates, repayment terms or fees; so before applying it’s wise to research them thoroughly first.

WalletHub conducts in-depth analyses on lenders’ rates, fees and key loan details in order to select those best suited for consumers. We consider ease of application as well as any flexible application processes provided.

Mariner Finance stands out for its flexible eligibility requirements, with minimum credit scores starting from 580 and an income requirement of at least $13,000 to qualify. Unfortunately, its lack of loan rate transparency may put off some potential borrowers, and only available in 28 states. Other personal loan lenders that provide flexible credit requirements with more transparent rate structures include Upstart and Upgrade.

Fees

Mariner Finance offers personal loan products designed to fit specific needs, including debt consolidation loans, home improvement loans and car financing. In addition, Mariner offers secured options where borrowers pledge collateral in exchange for lower interest rates. Their large physical footprint and digital accessibility through various platforms makes it easy for customers to access help when needed – and their customer service consistently earns positive feedback for its patient guidance and helpfulness.

Mariner makes applying for loans easy with its straightforward application process that can be completed online, by phone, or in-person. Mariner performs a soft credit check that won’t harm your score to determine which loan options qualify for. Once processed, Mariner sends you a loan offer which may contain various rates and terms.

Once approved, the lender will deposit funds directly into your bank account – typically within a day or two of being approved – making sure on-time payments can help build up an excellent credit history.

Mariner Finance has built up a stellar reputation among lenders thanks to their variety of loan products and straightforward application process, but you should compare lenders carefully in order to find the most competitive offer for you. OneMain Financial and Avant both provide personal loans that could suit your needs; however their rates, loan amounts, and special features may vary significantly between each loan option.

Customer service

Mariner Finance boasts an exceptional customer service team available via phone, email and live chat to answer any of your queries. Furthermore, their free personal loan calculator allows users to determine monthly payments and total repayment amounts; plus local branches where you can meet with loan officers directly.

Mariner offers a flexible credit requirement policy, enabling it to approve more applicants with lower credit scores. Their online application process is quick and can be completed in minutes – making applying for personal loans even simpler! If your score isn’t ideal, Mariner provides soft credit checks which won’t impact it adversely; in addition, adding cosigners could improve your chances of approval as well as lead to better terms.

Mariner Finance holds an A rating from Better Business Bureau and is recognized by the Consumer Financial Protection Bureau as an ethical lender. Offering fixed-rate personal loans as well as access to free credit reports to monitor customers’ credit scores. In addition to reporting to all three major credit bureaus if customers make timely payments. Furthermore, payments through doxo are free – this service unifies all your provider accounts in one secure location for easy management and payment processing.