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Loan Application Questions


FAQ Application Questions


What is a Mariner Finance offer code?

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

What should I bring to the branch to complete my application?
  • 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).
Do you consider applicants that have filed bankruptcy?

Yes, subject to underwriting requirements.

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

No, a co-signer does not need to be a family member.

Do you require identification, and, if so, what type?

Yes, a valid form of identification is required. Examples of acceptable identification typically include a government issued photo ID such as a state issued driver’s license, ID card, or a passport.

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

Yes, proof of income is required. Paystubs are the primary form of proof of income accepted, but other acceptable examples may include bank statements, W2’s, 1099s, personal tax returns, and social security award letters.

What is the status of my application?

To find out the status of your application, please 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.

How long does a personal loan application takes?

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

 

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

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.

   

†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.

 

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