Frequently asked questions

Frequently asked questions

Got questions? Get answers

You can deposit the check in your bank account or cash it at any other business that cashes checks. Our recommendation is to cash it at the bank where the check is drawn. If you would like to request more money, simply call or visit your local branch. They may be able to help you obtain additional funds.

Mariner Finance does send loan by mail checks to pre-screened, qualified individuals. Although we cannot guarantee the authenticity of all checks you may receive via mail, the loan by mail checks Mariner sends are authentic, simply call the branch phone number on the check to verify that it is real.

For questions regarding a lien release or titles, call the branch where you received your loan.

No, you only pay interest for the amount of time the loan is open.

A local customer service representative can notify you of the date your promotional financing will end. To speak to one, find the branch closest to you.

To obtain your account number, contact your local branch.

Prescreened credit offers mailed to qualified consumers include an offer code. With this offer code the consumer can accept the offer online, complete the verification process, and have their funds deposited into their bank account. When using the offer code online, the consumer may also be informed of eligibility for other loan amounts. This offer code needs to be submitted on our offer code page.*

  • A copy of a valid, government issued photo ID (e.g. driver’s license or passport)
  • Social Security card
  • Proof of residence (e.g. a driver’s license with your current address, a utility bill, or a signed lease)
  • Proof of income (e.g. paystubs or tax returns)
  • Your recent tax return and copy of bank statements (If self –employed).

Yes, subject to underwriting requirements.

Yes, valid government issued picture identification is required.

Application status: To find out the status of your application, call the branch where you applied. They will be able to assist you and answer any other questions you may have about the application process.

An application takes approximately 5 minutes to complete.

You should receive a response usually within the same business day. Please take into account that response time may vary based on application volume and submission time. Any further questions, please call your local branch.

The minimum loan amount may be as low as $1,000, depending on your state of residency. The maximum loan amount also varies by state.

We can always determine if you qualify for more money. Simply call your local branch to discuss your current needs.

We make personal loans for just about any reason you need!  Explore our loans.

No, for your convenience we offer secure online access to your account information through our Customer Account Center or you can contact your local branch for your account information.

Yes, you may pay at any Mariner Finance branch. You also can always make a payment online through our customer account center.

Yes, Mariner Finance does provide automatic payment services. Please login into the Customer Account Center or you can set up automatic payments through your own bank account.

If you have questions about your payment history, login to the Customer Account Center or contact your local branch.

Login to the Customer Account Center or contact your local branch to find out your current balance.

If you are having issues logging into the Customer Account Center, please contact our web support team Monday, Wednesday, Thursday 9am-5pm ET, Tuesday 9am-7pm ET, Friday 9am-5.30pm ET, at (844) 306-7300.

For your convenience, we offer a secure online access to your account information through our Customer Account Center. Creating an account is quick and easy! From the Customer Account Center you can make a single payment, set-up recurring payments, check your balance, and view your payment history. You can also stop by your local branch to pay, or pay by phone from your bank account. Please note that fees may apply for one time online payments or phone payments in some states. No fees will be charged for recurring payments, for in-person payments made at a branch, or for mailed-in payments. If you wish to send a payment by mail, please address payments to Mariner Finance, LLC, P.O. Box 44490, Baltimore, MD 21236 and include your account number.

Mariner Finance reports directly to Equifax, TransUnion, and Experian.

No.  Mariner Finance has been an independent company since 2010.

Mariner Finance is a national, branch-based, consumer finance company.

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.