Frequently Asked
Questions
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Mail solicitations and marketing

Account inquiries

Application questions

General loan questions

Payment questions

Questions about Mariner Finance

I received a check from your company; is it real?

Yes. Mariner Finance sends 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. You can also visit https://www.marinerfinance.com/blog/mariner-finance-check-in-the-mail/ for more information.

I received a check from your company; where can I cash it?

For loan by mail checks received from Mariner Finance, you can deposit the check in your bank account or cash it at any other business that cashes checks. 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.

How do I opt-out of receiving mail from your company?

To opt out of receiving direct mail, please complete and submit the form located here.

Where can I cash my loan proceeds check?

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.

I have questions about a lien release; what should I do?

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

If I pay my loan off early, do I have to pay interest for the entire length of the loan?

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

When does my promotional financing end?

A local customer service representative can notify you of the date your promotional financing will end. To speak to one, please find the branch closest to you or reach out to Customer Service at (877) 310-2373.

What is my payoff amount?

Please contact your local branch or Customer Service at (877) 310-2373 for your payoff amount.

How can I obtain my account number?

To obtain your account number, please contact your local branch or Customer Service at (877) 310-2373 or log into your Customer Account Center online account.

What is a Mariner Finance offer code?

Prescreened credit offers mailed to qualified consumers include an offer code. By entering this offer code on the online offer code page, a consumer can review any available offers and proceed with the application process in a Mariner Finance branch location. After completing the verification and loan closing process, funds can be deposited into their bank account or they can receive a check. When using the offer code online, the consumer may also be informed of eligibility for other loan amounts.†

What to bring to the branch to complete your application?
When you visit your local branch, please bring:
  • 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); and
  • Your recent tax return and copy of bank statements (If self–employed)
Are applicants that have filed bankruptcy considered?

Yes, applicants that have filed bankruptcy are considered. Consideration will be subject to underwriting requirements. Please apply online or directly with your local branch.

If I need a co-signer, does it need to be a family member?

No, co-signers can be non-family members. Please contact your local branch or Customer Service at (877) 310-2373 if you have any additional co-signer questions.

Is identification required? If so, what type?

Yes, valid government issued picture identification is required to obtain a personal loan.

Do I have to provide proof of income to obtain a loan?

Yes, proof of income is required to obtain a personal loan.

What is the status of my application?

To find out the status of your application, please call the branch where you applied or Customer Service at (877) 310-2373. They will be able to assist you and answer any other questions you may have about the application process.

How long does a personal loan application take?

An application takes approximately 5 minutes to complete.

How long will it take before I hear something regarding the status of my application?

Applicants typically receive a response to a completed application within the same business day. Please take into account that response times may vary based on application volume and submission time. If you have any additional questions, please call your local branch or reach out to online support at onlinesupport@marinerfinance.com or call (844) 306-7300 and select option 2.

Is there a prepayment penalty?

No, there is no prepayment penalty.

What is the minimum amount I can borrow?

For in-branch or by phone loans: 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. Please contact your local branch for the exact amounts. For online loans, The minimum loan amount is $1,500 and maximum loan amount is $12,000. †

How do I borrow more money?

You can always reach out to determine if you qualify for additional funds. Please call your local branch to discuss your current needs, and you can always apply online to see what offers may be available.

Can I defer my loan payment?

Please contact your local branch or Customer Service at (877) 310-2373 to discuss your loan options and learn more.

Do I receive a monthly statement?

No, for your convenience you have online access to your account information through our Customer Account Center where you can access account and payment information, or you can contact your local branch or Customer Service at (877) 310-2373 .

Can I make a payment on my account at another branch?

Yes, you can make a payment at any Mariner Finance branch location. You also can make a payment online through our Customer Account Center or mail your payment to Mariner Finance, LLC, P.O. Box 44490, Baltimore, MD 21236, with your account number.

Can I setup my account to make automatic payments?

Yes, Mariner Finance offers recurring payment options. Please login into your Customer Account Center account for details, or you can set up automatic payments with your own bank.

How can I view payment history?

If you have questions about your payment history, please login to your online Customer Account Center or contact your local branch or Customer Service at (877) 310-2373.

Where can I find out what my balance is?

Please login to your online Customer Account Center or contact your local branch or Customer Service at (877) 310-2373 for your current account balance.

I'm having trouble making a payment online, what should I do?

If you are having issues logging into your online 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.

How can I make a payment?

For your convenience, you can access to your account information through your online Customer Account Center account. From your 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 make a payment, or make a payment by phone. Please note that fees may apply for one-time debit payments in some states. No fees will be charged for recurring debit 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.

Are my loans reported to any credit bureaus?

Yes, information on your loan will be reported directly to Equifax, TransUnion, and Experian.

Is Mariner Finance affiliated with 1st Mariner Bank?

No. Mariner Finance has been an independent company since 2010 and operates coast-to-coast with physical locations in over half the states.

What kind of company is Mariner Finance?

Mariner Finance is a national, branch-based, consumer finance company that offers personal loans and offers access to online personal loans from WebBank. † 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.