Mariner Finance is here for you. If you need assistance during this time, please call your local branch location.
Below are some COVID-19-related resources for Kentucky residents to assist those impacted by this pandemic. In these uncertain times, we hope this information helps.
For additional coronavirus information, please visit Mariner Finance’s main COVID-19 page here.
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- Branch operation changes – How we are keeping our customers and employees safe.
- How to apply for a loan – Learn more about our service options and how you can close a loan online or by phone if you prefer not to visit our office.
- Kentucky State resource page – State specific coronavirus information.
Mariner Finance has partnered with SpringFour, a free online tool that helps consumers locate verified and vetted food, financial, and health resources in their community. SpringFour currently offers information on thousands of social services as well as government and community-based organizations that aim to provide assistance in a wide variety of areas such as employment, utility expenses, food, and prescription drugs and includes certain COVID-19 resources as well. Just enter your zip code and the SpringFour tool will provide instant, personalized results. Click on the “Get Started” button below to see what resources are available to you.
Kentucky COVID-19 Employment Resources
Filing for Unemployment benefits in Kentucky:
- Lost Wages Assistance Program – General Information
- Unemployment Insurance Program – General Information
- File a Unemployment Insurance claim online
- Check the status or get information on your claim
Worker Relief Fund Resource:
Kentucky COVID-19 Food and Nutrition Assistance
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.
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.