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Personal loans customized for you!

Select loan amount



Checking offer will not impact your credit score*

Feefo trusted service award badge

Personal loans customized for you!

Select loan amount



Checking offer will not impact your credit score*

Why us?

Simple and safe

Just complete & submit your loan application online.

personalized offer

Personalized offer

Checking offers will not impact your
credit score*.
15 day return

15-day satisfaction guarantee

No fees, if you return your money in
15 days**.

Explore a personal loan near you

Whether you want to consolidate debt, pay your bills, or travel to your dream destination, Mariner Finance is here to help you. Explore our personal loans today and move one step closer to meeting your financial goals.

Apply Online

Upon your application submission and approval, we’ll present you with any available persona loan offer(s). We understand that every borrower’s needs and goals are different. So we customize our offers to meet your needs. 

Loans we offer

Personal Loans

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For any unexpected expenses that can disrupt your life and monthly budget, our personal loans can help you obtain the funds you need. Apply for a loan today.

Car Loans

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Whether you’re looking for a new car or refinancing a current loan, we have car loan options that can help with your needs.
Mariner finance auto loans

Debt Consolidation††

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Mariner offers debt consolidation loans to consolidate a variety of debt or bills into one monthly payment. Take pride in taking control of your finances.

Vacation Loans

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Consider a vacation loan so you can enjoy the vacation of your dreams. Plan your get-away with a personal vacation loan today! Great for honeymoons, personal travel, and/or family vacations.

Home Improvement Loans

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Home Improvement Loans can help you conquer home improvement projects and renovations. Feel the progress as you tackle the projects on your to-do list.

Home Loans

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Whether you’re embarking on purchasing your first home or just looking to refinance, we can help you find the right loan to address your needs.

Got questions? We have answers!

Check out our frequently asked questions
Where can I cash a check that I have received from your company?

You can deposit the check in your bank account or cash it at any other business that cashes checks. Our recommendation is to cash it at the bank where the check is drawn. If you would like to request more money, simply call or visit your local branch. They may be able to help you obtain additional funds.

I received a check from your company, is it real?

Mariner Finance does send loan by mail checks to pre-screened, qualified individuals. Although we cannot guarantee the authenticity of all checks you may receive via mail, the loan by mail checks Mariner sends are authentic, simply call the branch phone number on the check to verify that it is real.

I have questions about a lien release, what should I do?

For questions regarding a lien release or titles, call the branch where you received your loan.

If I pay my loan off early do I have to pay interest for the entire length of the loan?

No, you only pay interest for the amount of time the loan is open.

When does my promotional financing end?

A local customer service representative can notify you of the date your promotional financing will end. To speak to one, find the branch closest to you.

What is my payoff amount?

Call your local branch.

How can I obtain my account number?

To obtain your account number, contact your local branch.

What is a Mariner Finance offer code?

Prescreened credit offers mailed to qualified consumers include an offer code. With this offer code the consumer can accept the offer online, complete the verification process, and have their funds deposited into their bank account. When using the offer code online, the consumer may also be informed of eligibility for other loan amounts. This offer code needs to be submitted on our offer code page. *

What to bring to the branch to complete your application?

  • A copy of a valid, government issued photo ID (e.g. driver’s license or passport)
  • Social Security card
  • Proof of residence (e.g. a driver’s license with your current address, a utility bill, or a signed lease)
  • Proof of income (e.g. paystubs or tax returns)
  • Your recent tax return and copy of bank statements (If self–employed)

Do you consider applicants that have filed bankruptcy?

Yes, subject to underwriting requirements.

If I need a co-signer, does it need to be a family member?


Do you require identification, if so, what type?

Yes, valid government issued picture identification is required.

Do I have to provide proof of income to obtain a loan?


What is the status of my application?

Application status: To find out the status of your application, call the branch where you applied. They will be able to assist you and answer any other questions you may have about the application process.

How long does a personal loan application take?

An application takes approximately 5 minutes to complete.

How long will it take before I hear something regarding the status of my application?

You should receive a response usually within the same business day. Please take into account that response time may vary based on application volume and submission time. Any further questions, please call your local branch

Is there a prepayment penalty?


What is the minimum amount I can borrow?

The minimum loan amount may be as low as $1,000, depending on your state of residency. The maximum loan amount also varies by state.

I need to borrow more money, can you help?

We can always determine if you qualify for more money. Simply call your local branch to discuss your current needs.

Can I defer my loan payment?

Yes, contact your local branch to learn more.

Do I receive a monthly statement?

No, for your convenience we offer secure online access to your account information through our Customer Account Center or you can contact your local branch for your account information.

Can I pay my account at another branch?

Yes, you may pay at any Mariner Finance Branch. You also can always make a payment online through our Customer Account Center

Can I setup my account to make automatic payments?

Yes, Mariner Finance does provide automatic payment services. Please login into the Customer Account Center or you can set up automatic payments through your own bank account.

How can I view payment history?

If you have questions about your payment history, login to the Customer Account Center or contact your local branch.

Where can I find out what my balance is?

Login to the Customer Account Center or contact your local branchto find out your current balance.

I'm having trouble paying online, what should I do?

If you are having issues logging into the Customer Account Center, please contact our web support team Monday, Wednesday, Thursday 9am-5pm ET, Tuesday 9am-7pm ET, Friday 9am-5.30pm ET, at (844) 306-7300.

How can I pay the loan?

For your convenience, we offer a secure online access to your account information through our Customer Account Center. Creating an account is quick and easy! From the Customer Account Center you can make a single payment, set-up recurring payments, check your balance, and view your payment history. You can also stop by your local branch to pay, or pay by phone from your bank account. Please note that fees may apply for one time online payments or phone payments in some states. No fees will be charged for recurring payments, for in-person payments made at a branch, or for mailed-in payments. If you wish to send a payment by mail, please address payments to Mariner Finance, LLC, P.O. Box 44490, Baltimore, MD 21236 and include your account number.

Do you report to any credit bureaus?

Mariner Finance reports directly to Equifax, TransUnion, and Experian.

Are you still affiliated with 1st Mariner Bank

No. Mariner Finance has been an independent company since 2010.

What kind of company is Mariner Finance?

Mariner Finance is a national, branch-based, consumer finance company.

How it works?

Get a quick decision

Apply online in minutes to see if you are approved with no obligation or impact to your credit*.

Check your offers

If approved, review your personalized loan offers.

Get funded

After you verify all of your information and accept an offer, we’ll send the money to your bank or you can pick up a check in a local branch near you.

Access all our services from our mobile app

Manage your personal loan accounts in the Customer Account Center right from your phone with Mariner Finance mobile app.

Spreading Smiles Consistently***

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