Personal loans2022-10-21T19:20:09+00:00

Personal loans with a Personal Touch

Select loan amount

1000

Min
$1000

Max
$25000

Apply Now

Checking offers will not impact your credit score*

Personal loans with a Personal Touch

Select loan amount

1000

Min
$1000

Max
$25000

Apply Now

Checking offers will not impact your credit score*

How do personal loans work?

With a personal loan, you can pay off your loan balance at a fixed rate with set monthly payment amount over a scheduled period of time. This type of installment loan may be secured by an asset, have a co-signer, or  be unsecured (based on credit history and other factors).

Personal loans are designed to meet individual needs as opposed to a commercial or business need.

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What is the difference between
an unsecured loan and a secured loan?

You may qualify for a lower rate and/or a higher loan amount if you are approved for a secured loan, including an auto-secured loan, versus an unsecured loan. See below for more information or reach out to your local branch if you have questions.

Secured loans

A secured loan means you are pledging something of value as collateral to your loan to ensure that the loan will be repaid according to the loan’s terms and conditions. Assets such as cars can be used as collateral, and, in some instances, the lender can place a lien on the asset, which will remain in place until the loan has been paid in full, including interest and all applicable fees.

It’s important to remember that if you are unable to repay a secured loan, the lender may be able to sell the pledged collateral to pay off all or part of the loan.

Unsecured loans

Unsecured loans are loans that do not require the borrower to pledge any collateral. If you have been turned down for an unsecured loan, you may still be able to obtain a secured loan if you have an asset that can be used as collateral.

Types of personal loans

A personal loan can meet a variety of needs, including medical emergencies, home improvement projects, vacations, weddings and debt consolidation. Mariner Finance may have a solution that fits your needs.

Debt Consolidation

This type of loan helps streamline a variety of debt—from medical bills to credit card payments—into a single monthly payment solution.

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Covering Unexpected Expenses

Major appliance breakdowns, auto repairs, medical costs (people and pets), and plumbing repairs: All of these costs can be unexpected and could happen at an inconvenient time.

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Making Home Improvements

You might not always have sufficient funds to cover potentially value-enhancing investments like new countertops, flooring, or deck additions. Consider making those upgrades a possibility with one of our personal loans.

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Paying for a Vacation

Eager to see more of the world, or just another part of the country? Ready to finally book that cruise? Due for a family reunion? Begin planning the trip you’ve been putting off.

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Taking care of Wedding Expenses

Sometimes, love just can’t wait for your bank balance to catch up, and wedding costs are often more than we anticipate. Consider a personal loan to help make your dreams come true when you’re planning your dream wedding.

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How our personal loans work

Whether secured or unsecured, our loans give you the benefit of a fixed rate and set monthly payments over a scheduled period of time, which can help make it easier to manage expenses. The process is a simple one: apply for a personal loan and receive a quick decision.

Learn how to apply for a personal loan

Why choose
Mariner Finance?

We recognize that people are short on time, so we try to respond with answers quickly. We also realize everyone has their own experiences and circumstances, so we take the time to get to know the person behind every personal loan, and we try to provide resources that help borrowers make more informed decisions.  Simple, but true. 

How has Mariner come through for you?

Share Your Story

I received excellent service when working with your representatives. They were highly professional in their demeanor, patient and quite knowledgeable when explaining the requirements for applying and completing the loan application.

Starlet

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Personal loans for when life happens

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 short conversation with one of our team members. You can reach us directly at 877-310-2373

What is a personal loan?

Great question. Personal loans are installment loans with fixed interest rates and fixed monthly payment amounts over a scheduled period of time that may help you deal with an unexpected expense, see a new part of the world, or simply help you achieve your personal financial goals. Personal loans cannot be used for postsecondary education expenses, for any business or commercial purpose, to purchase securities, or for gambling or illegal purposes.

We offer personal loans from $1,000 to $25,000, with 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. 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.

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.

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

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

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