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Mariner Finance loan check

This check from Mariner Finance represents a loan offer

You received this check because of your credit history.  To receive your funds, take the check to your bank and cash or deposit it, or deposit it with your mobile device at your earliest convenience!*

No lines. No waiting. Simply deposit or cash your check.

If, for any reason, you are dissatisfied with your loan, we offer a 15-day satisfaction guarantee!

How does it work?

It’s as easy as 3 steps…

  1. Read the loan agreement.  Before cashing the check be sure to read the loan agreement and disclosure statements included in the mailing. This information provides all of the terms of the loan.  Keep this information for your records. Cashing or depositing the check constitutes a loan transaction that you will be obligated to repay.
  2. Fill out and sign the back of the check. If you agree to the terms and want to take out the loan, provide the requested information and sign the back of the check!
  3. Deposit or cash the check to receive the loan proceeds!

Who is Mariner Finance?

Since 1927, the Mariner Finance family of companies have provided individually tailored and convenient lending options to its customers with the goal of pairing them with a personal loan that meets their immediate needs. At the core of Mariner Finance is the principle that superior customer service will build lasting relationships. Our experienced team members take pride in finding options that are beneficial to each customer’s specific needs and are ready to assist you.  Superior customer service is the reason for our continued success and why we are recognized by our customers as the community’s consumer finance company of choice.

Who cashes Mariner Finance checks? Customer Stories

The loan check arrived in the mail just when I had been advised that my car needed some serious unexpected repairs. At the time I had no idea how I was going to pay for repairs on my own so I took a chance and deposited the Mariners check into my account.

– Brenda

It was just what I needed at that very moment! I was not stressing over will I qualify for a loan. No one was pressuring me. I took the time to read the fine print and time to look at my ability to repay the loan. I put it away and reviewed my options.

– Patricia

Frequently asked questions about Mariner Finance checks?

Q. I received a check from Mariner Finance, is it real?

A. Yes, Mariner Finance does send live checks to pre-screened, qualified individuals. Although we cannot guarantee the authenticity of all checks you may receive via mail, simply call the branch phone number on the letter with the check to verify that it is real.

Q. Where can I cash a check that I have received from your company?

A. You can deposit the check in your bank account or cash with your bank or at any other business that cashes checks. 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. **

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

A. No, you only pay interest until the loan is paid-in-full.

Q. If I’m not interested in the check what should I do?

A. If you do not plan on cashing this check, please destroy it.

Still have questions?

Your local branch is happy to answer questions you may have. Find a branch near you or call 844-306-7300.

Hours: 9am – 5pm ET (Monday – Friday)
(Extended Hours: 7 p.m. on Tuesday and 5:30 p.m. on Friday)
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*We have the right to stop payment on the check if you have opened or renewed a loan with us within 60 days prior to the date of the check.

Prohibited Use of Proceeds – Loan proceeds may not be used for business or commercial purposes, to finance direct post-secondary education expenses, for purchase of securities, for gambling or any illegal purpose.

**Additional credit or other loan amounts are subject to normal lending requirements.

+If, for any reason, you are dissatisfied with your loan and repay it in full within 15 days, we will waive all finance changes with no penalties. Your repayment amount must be in the form of cash or certified funds.

Blog posts are for informational purposes only.

†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.


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.


For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.


*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.



California Residents: Loans made or arranged pursuant to a California Financing Law license.

VA Residents – Mariner Finance of Virginia, LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No. CFI-114.


Mariner Finance, LLC, NMLS No. 166564 (
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

Equal Housing Lender

Mariner Finance provides this link for your convenience and is not responsible for and makes no claims or representations regarding the content, terms of use, or privacy policies of third party websites.