Get personal loan offers from Mariner Finance and other great lenders. It takes just two minutes and will not affect you credit score.
Get StartedLoan amount
$1,000 – $25,000
Min. credit score
None
APR from
18% – 36%
Funds available in
Not disclosed
Here's a breakdown of some of the benefits and drawbacks of Mariner Finance personal loans.
Mariner Finance was founded in 1927 and has more than 470 branches in 25 states. Its low minimum amount for personal loans — $1,000 — makes it a good fit for someone who doesn’t need or want to take out a big loan.
It’s also a good option for people who have filed for bankruptcy, want to file a joint application or need a co-signer. There is no minimum required credit score to qualify.
Mariner Finance uses a “soft” credit inquiry once you apply, which doesn’t affect your credit score. If you continue with the application and accept an offer, a “hard” pull on your credit is done.
| Loan amount | $1,000 – $25,000 |
| APR | 18% to 36% |
| Minimum credit score | None |
| Time to receive funds | Not disclosed |
Here’s a breakdown of some of the benefits and drawbacks of getting a Mariner Finance personal loan:
Minimum and maximum loan amounts and interest rates depend on the applicant’s state of residence and the underwriting of the loan. Loan amounts range from $1,000 to $25,000, and APRs range from 18 percent to 36 percent. Repayment terms range from 12 months to 60 months.
Mariner Finance personal loans can be used for:
Mariner Finance evaluates personal loan applicants on the following criteria:
Personal loans are usually unsecured, but Mariner Finance also provides secured personal loans. A loan secured by your car, for example, may help you qualify for a lower rate or a bigger loan. Just remember, if you default on a secured loan, the lender can place a lien on the asset or sell it.
An applicant will usually receive a response the same business day that they apply, but this depends on when they submit their application and how many applications the bank receives.
You can apply for a Mariner Finance personal loan online, by phone, or at a branch. Loans between $1,500 and $15,000 can be funded online. It takes about five minutes to complete the application, and then a Mariner Finance representative will contact you, usually on the same business day.
If you apply by phone, use the interactive map on the bank website to find the branch closest to you and call that branch.
Loans less than $1,500 or greater than $15,000 must be funded at a Mariner Finance branch.
Mariner Finance has more than 470 branch locations in 25 states: Alabama, Arizona, California, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Mississippi, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin.
If you apply in a Mariner Finance branch, you will need the following documents:
Applicants who close a loan by phone or online must have a mobile device or computer to access email and electronic documents.
| Overall score | 3.8 |
|---|---|
| Availability | 4.3 |
| Affordability | 3.3 |
| Customer experience | 3.7 |
Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.