We were founded in 1927 by a group of financial experts with a common goal: to apply their wealth of knowledge to serve the specific financial needs of each customer. So rather than fitting you to a loan, we work with you to create a solution that fits you.
Why do our customers borrow from Mariner Finance?
Mariner Finance has been serving communities since 1927 in over 480 branches in 27 states around the country, with branch managers who live in the communities they serve. For our customers, that means convenience and commitment to the community.
Mariner Finance benefits
- 15-day satisfaction guarantee
- Checking your offers will not impact your credit score*
- Secure, fast & easy process
Google AdWords Financial services disclosures
Personal loans offered by Mariner Finance, LLC are not available in all states. Loan terms are not guaranteed, and APR’s and terms vary based upon state laws and regulations but the APR will not exceed 36.00%. Various factors are taken into consideration when determining loan eligibility, which include, but are not limited to, credit history, loan amount, loan term, income, and debt. Loan closing is contingent upon submission of all required documentation and agreement to all terms and conditions of the loan agreement.
As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.63% and an interest rate of 28.94% which includes a finance charge of $3590.56. Under these terms, the borrower would make 48 monthly payments of $178.97, for a total of payments of $8,590.56. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.”
we're helping our customers get things done. take their word for it.
The customer service I received was extraordinary. They are kind and compassionate, and immediately put me at ease. Thank you!
I needed a loan to purchase a professional bass music speaker cabinet. Mariner Finance gave me the loan, and made it smooth and easy. Thanks Mariner Finance!
The loan I received from Mariner Finance helped me travel overseas to enjoy many sights and time with special people.
I had a vehicle loan with Mariner Finance and was pleased with the way they treated me.
We love Mariner Finance. They have always been there when we need them. We love the ladies in the office. Thank you Mariner!
The branch in Garner, NC has a great staff who are always nice to talk to. Elizabeth is great. They have always taken care of my accounts.
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Got questions? Get answers.
What is the minimum amount I can borrow? How long does an application take? Is there a prepayment penalty?
Ready to speak to a person—in person?
You have your own unique goals to meet, and it all starts with a 5 minute conversation with one of our team members. You can reach us directly at 877-310-2373.
What is a personal loan?
Great question. It’s a loan that may help you deal with an unexpected expense, see a new part of the world, or simply help you achieve your personal goals. We have those.
†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. 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. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. 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. Our loan by phone and 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.
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.
For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.
*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.