Personal loans with a personal touch
Personalized loans up to $25,000†
No fees if you are dissatisfied and return your money in 15 days.**
Checking offers uses a soft credit inquiry with no impact to 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.
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.
Loans we offer
Debt Consolidation††
Mariner offers debt consolidation loans to consolidate a variety of debt or bills into one monthly payment. Take pride in taking control of your finances.
Home Improvement Loans
Home Improvement Loans can help you conquer home improvement projects and renovations. Feel the progress as you tackle the projects on your to-do list.
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.
Vacation Loans
Consider a vacation loan so you can enjoy the vacation of your dreams. Plan your get-away with a personal vacation loan today! Great for honeymoons, personal travel, and/or family vacations.
Wedding Loans
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.
Online Loans
Everyone may need a little financial assistance from time to time. Whether it’s to make some home repairs, buy a car, consolidate existing debt, or take a much needed vacation, an online loan may provide you with the funds you need..
Personal Loan Calculator
Estimate the monthly payments and total repayment amount for a personal loan.
Mariner Finance’s personal loan calculator can help estimate your monthly loan payments and your total repayment amount. Simply enter a loan amount, term and interest rate and the calculator will provide you with the estimated monthly payment.
Please note that this calculator is provided only for educational purposes and is not reflective of specific loans terms available. Mariner Finance does not guarantee the accuracy of the calculator, and the calculator is not intended to provide financial, insurance, tax, or legal advice.
Why Choose Mariner Finance
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
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?
Spreading Smiles Consistently***
Average Customer Rating:
4.8/5
Independent Service Rating based on 86,291 verified reviews.
Read all reviews
Love the people in our local office. Very professional and courteous. Will always try to help in anyway they can
May 14, 2026Rockingham, NC
I love Mariner Finance cause they really pull through when you need help . They helped me when I really needed it... I tell all of my friends about Mariner Finance . They are very friendly and sweet to me .
May 14, 2026Terre Haute, IN
Lisa is phenomenal, my day was going horribly in search of emergency funds, until I spoke with her. She is a consummate professional. I am very pleased with her kindness and how quickly things were taken care of!
May 13, 2026Leesburg, GA
I had a great experience with Mariner Finance. The people are very friendly and very helpful. I was approved for a loan with no problem. Thank you for all your help.
May 13, 2026Sedalia, MO
Applying for a loan was easy ,I want to thank Ms. Harris, Janelle and Mr .William Brown, the both of them answered my questions and assisted me in my choice of my loan which made closing my loan very quick and they made me feel relaxed.I really got the help I needed from Mariner Finance. I feel I can count on Mariner for the financial assistance I need when I need it..
May 13, 2026Overlea, MD
Needed to get extra money on my current loan for a major truck. They were able to get me the funds in a day. Great Company highly recommend them if you need tk borrow some cash
May 13, 2026Spokane, WA
We are so greatful for the team at Mariner in Bristol, TN! They are great to work with, fast, and so friendly. We have done buinsess with them for years. We highly recommend if you need a loan to give them a chance !
May 13, 2026Bristol, TN
I had a great experience with Mariner Finance from the beginning until the end. The branch interaction was great. However, the app for gathering documents could need some improvements. As a former software engineer, I would be happy to provide a few pointers how to make the app more user-friendlier.
May 13, 2026San Antonio W, TX
Very professional .friendly was explained in details slowly to be able v to under stand they were very patient
May 13, 2026Fayetteville, NC
My loan officer had all her ducks in a row she was awesome thanks Amy
May 13, 2026Alton, IL
Very good experience. I would recommend them to anyone. Very easy and manageable.
May 13, 2026Marion, IL
Great place to get a loan they helped us get a loan when we needed it and was very nice and fast
May 13, 2026Marion, IL
Great staff, easy to work with, and super knowledgeable and accommodating!
May 13, 2026Effingham, IL
Jennifer Walker is the best loan officer ever. Incredible branch manager
May 13, 2026Crossville, TN
GREAT VERY FRIENDLY AND EFFICIENT
Sarai was the best thank u so much for your kindness
May 13, 2026Dalton, GA
CHRISTY WAS SUPER NICE TO EXPLAIN EVERYTHING TO ME.VERY CLEAR ABOUT TERMS AND CONDITIONS.THANK HER FOR HER SERVICE.
May 13, 2026Dayton, TN
