Mariner Finance, LLC (“Mariner”) and/or WebBank, as applicable, (collectively “Lender,” “we,” or “us,” as applicable) offers personal loans from $1,000 to $25,000, with minimum and maximum amounts dependent on the underwriting of the loan and subject to applicant’s satisfaction of eligibility requirements and approval by Lender, and an applicant’s state of residence for Mariner-originated loans. Terms and conditions apply.
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Online loans between $1,500 and $14,000, originated by WebBank, except online loans in CA and MD originated by Mariner Finance, LLC. Loans greater than $14,000 or less than $1,500 may be originated by Mariner through Mariner’s branch network. For GA residents, online and in-branch loan amounts only available for greater than $3,000. Any stated APR represents the cost of credit as an estimated yearly rate, and each applicant’s specific interest rates and fees are determined as permitted under federal or state law (as applicable) based upon loan amount, term, the applicant’s ability to meet specific credit criteria including, but not limited to, credit history at the time of application, income, debt payment obligations, and other factors such as availability of collateral, and state of residency for Mariner-originated loans. 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. Any loan by phone and/or 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. APR ranges from 15.99% to 35.99%. Loan terms range from 12 to 72 months. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 30.99% and an interest rate of 27.98%, which includes a finance charge of $3,779.68. Under these terms, the borrower would make 48 monthly payments of $182.91, for a total of payments of $8,779.68. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.
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When refinancing your existing debts, the total finance charges over the life of the new loan may be higher than for your current debts if you have a higher interest rate and/or a longer term. Loans may also include origination fees, which may reduce funds available to pay off other debts.
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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 accept a loan offer, Lender 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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Mariner Finance’s 15-Day Satisfaction Guarantee provides that if, for any reason, you inform us that you are dissatisfied with your loan and you repay it in full within 15 days of the date of the loan in the form of certified funds, all finance charges will be waived with no penalties. A cancellation of your Mariner Finance loan will not impact, affect, and/or cancel the terms of any purchase of a vehicle or other item(s) with the proceeds of your loan. Additionally, your return to the dealer or seller of any vehicle or other item(s) purchased with your loan proceeds will not constitute a cancellation of your Mariner Finance loan.
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The reviews and/or testimonials presented on the Mariner Finance website are voluntarily provided without incentive, financial or otherwise. Testimonials presented with individual’s consent and may have been edited for clarity and consistency purposes. All reviews are available for review via the "Read all reviews" link and are representative of an individual’s experience(s). Some reviews are highlighted more prominently and are filtered to demonstrate opinions of satisfied customers. Mariner welcomes and encourages all feedback and reviews. You can leave a review by visiting an applicable Google My Business page and/or FEEFO and/or Trustpilot.
