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Streamline your debt with a loan for debt consolidation.

If you have multiple debts from a variety of sources—such as wedding expenses, credit card bills, and large purchases—we can work with you to try to find the best way to consolidate debt to lower your payments.*

If you simply want to learn a little bit more about debt consolidation loans, that’s fine too.

Here you’ll discover what a debt consolidation loan is and answers to commonly asked questions.

You can also simply apply online for a debt consolidation loan.*

 

What is debt consolidation?

Debt consolidation loans are a type of debt refinancing that allows consumers to pay off various unsecured debts by combining them into one loan with one monthly payment.

Most consumers consider debt consolidation for unsecured debts which yield a high interest rate, such as credit cards, medical bills, high-interest loans and other various bills.

Secured Loans:

You may qualify for a lower rate and/or a higher amount with an auto secured loan for debt consolidation. If you’re interested, see below for more information or reach out to your local branch if you have questions.

A secured loan means you are pledging something of value as an assurance that your loan will be repaid according to the agreed 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 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.

What are the benefits of consolidating debts?

There are many benefits of getting a loan to manage your debt. Here is a list of some common benefits of debt consolidation loans:

  • You can pay off higher interest loans to consolidate your debt into one loan with one monthly payment.
  • Your debt consolidation loan may result in a reduced overall total monthly payment.
  • You may have the ability to choose a loan term that allows you to repay your loan over a longer term.
  • You may be able to consolidate credit card debts or file for a credit card balance transfer

When to use a loan to consolidate your debt?

When considering whether to consolidate debt, you should always consider the total interest you are paying over the term of the debt.

You may have more sources of debt than you would like. If so, you may want to apply for a Mariner Finance debt consolidation loan to help make life more manageable.*

Debt_consolidation loan accepted family

✔ 15 – Day Guarantee**

✔ Fast & Easy Online Loan Application Available

✔ Loans Starting From $1k Up to $25k*

✔ 470+ branches in 24 states

Apply for a debt consolidation loan online today or visit a branch for additional information.

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*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 $7,000 may be funded online. Loans greater than $7,000 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.

**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.

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 minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $7,000 may be funded online. Loans greater than $7,000 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.

 

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