Mariner Finance provides hard-working consumers responsible access to credit through respectful, compassionate, and efficient service.
Explore a personal loan near you.
We’ll match you with a personal loan near you that meets your immediate needs and helps you realize your long-term dreams. We understand that every borrower, and borrower need, is different. So we take the time get to know you. You can even apply now for a personal loan online.
Mariner Finance, serving communities since 1927, operates over 480 branches in twenty-seven states, working and living as close to our customers as we can. Chances are we’re in your neighborhood, or we will be soon as we continue to grow. Our experienced team members are ready to assist with your financial needs. Find a branch in your neighborhood or state and explore loans near you.
Discover how to apply for a personal loan online.
Ready to go mobile—not just with your phone? Whether you’re looking for a new car or refinancing a current loan to free up funds, we have a car loan that will get you there.
Making personal loans sense.
Got questions? Get answers.
What is the minimum amount I can borrow? How long does an application take? Is there a prepayment penalty?
Ready to speak to a person—in person?
You have your own unique goals to meet, and it all starts with a 5 minute conversation with one of our team members. You can reach us directly at 877-310-2373.
What is a personal loan?
Great question. It’s a loan that may help you deal with an unexpected expense, see a new part of the world, or simply help you achieve your personal goals. We have those.
†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.
§No payments until July 2022 does not apply to online loans. This offer applies only to loans closed in a branch location or closed by phone on or after May 17, 2022. Our loan by phone process requires a compatible mobile or computer device on which you can access your email and electronic documents.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.