Mariner Finance, LLC

Mariner Finance is a consumer lender that offers personal loans to borrowers across a wide range of credit profiles, including consumers with poor, fair, or limited credit who may not qualify for loans from traditional banks. The company operates through a network of branches across many US states as well as through an online application process.

Mariner Finance offers unsecured personal loans and secured personal loans, where a secured loan requires collateral such as a vehicle or other asset. Secured loans may allow larger amounts or lower rates than an unsecured option for the same borrower, but the risk is higher since the collateral can be seized if the loan is not repaid. Co-signer options may also be available, where a second person with stronger credit agrees to be responsible for the loan if the primary borrower cannot pay.

Because Mariner Finance serves borrowers with limited or damaged credit, its interest rates are higher than those available from mainstream lenders to well-qualified applicants. This is common among lenders serving this segment of the market, but it means the total cost of borrowing can be substantial. Before accepting any loan offer, calculate the total amount repaid over the full term including all interest and fees. Compare this against options from credit unions, CDFI lenders, and community banks.

Mariner Finance is a legitimate regulated lender. Loans are used for purposes including debt consolidation, home improvement, medical expenses, and unexpected costs. Loan availability, amounts, rates, and terms vary by state. Read all documentation carefully, including the full APR and any fees, before signing any loan agreement.