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Mariner Finance Summary
Mariner Finance offers fixed-rate personal loans with options for unsecured or secured borrowing and the ability to apply with a co-signer. Advertised loan amounts are $1,000 to $25,000, subject to state rules and underwriting. WebBank originates many online loans between $1,500 and $12,000 (Mariner originates online loans in CA, MD, NJ, and VA); loans outside that band may be handled through Mariner’s branch network.
Mariner Finance Pros & Cons
Pros
Can prequalify with soft credit check
No prepayment penalties
15-day satisfaction guarantee
Cons
High interest rates – up to 35.99% in some cases
Not available in all states
May charge origination fee
Mariner Finance at a glance
8.8
Editorial scoreVariety of loan types
Offers most loan types
8.0
Online experience
Has learning resources, access to rates, mobile app
10.0
Customer services and support
Award winning
10.0
Loan amount range
Loan amount up to $50K
8.0
Repayment flexibility
Loan terms up to 60 months
8.0
Who Mariner Finance Is Best For
Applicants who want flexible underwriting with secured or unsecured options, co-signers, and soft-pull prequalification, and who are comfortable with potential branch involvement for amounts below $1,500 or above $12,000, or where collateral is required.
Availability varies by state and may not suit those needing an end-to-end online.
Loan Features
Common uses include debt consolidation, home improvement, medical bills, weddings, vacations, and unexpected expenses, which are reflected in Mariner’s loan pages.
Borrowers can choose secured (collateralized) or unsecured loans; larger amounts may require a first lien on a vehicle ≤10 years old.
Prequalification is via a soft credit inquiry. Optional credit insurance/ancillary products may be offered; availability and coverage vary by state.
Application Process
Start online: Check your offers (soft credit pull).
Review & upload: Review any available terms and upload verification (ID/income).
Apply: Complete the whole application (hard credit inquiry) if you proceed.
Close the loan: Finish online where eligible, or complete closing in-branch.
Get funded: After acceptance and verification, funds are sent to your bank or provided as a branch check.
15-day option: You have 15 days to return the loan for a full finance-charge waiver.
Requirements
To qualify for a Mariner personal loan, expect the following:
No stated minimum credit score.
Approval is holistic: credit history, income, debts, and state-specific rules.
You’ll need government-issued ID, Social Security number, proof of residence, and proof of income (e.g., recent pay stubs/W-2s/tax returns; alternate documents if self-employed).
Residency requirement: You must live in a state where Mariner/WebBank offers loans.
Loan Terms
Amounts: $1,000–$25,000 (state/underwriting dependent). Online: typically $1,500–$12,000 via WebBank (CA/MD/NJ/VA online loans by Mariner).
APR: varies by state, loan type, and credit; recent sources show maximums up to 35.99%.
Fees: An origination fee may apply depending on the state and loan. One-time debit payments online or by phone may incur a cost in some states; there are no fees for recurring ACH, in-branch, or mailed payments.
Repayment Terms
Typically 12–60 months with fixed monthly payments. You can repay early at any time with no prepayment penalty, and interest stops when the balance is paid in full.
Your first due date appears on your contract (an extended first due date may apply in some cases).
Privacy & Security
Mariner’s Privacy Statement explains what data are collected, how they’re used/shared (e.g., for verification/servicing), and your choices. Review the policy before applying.
Help & Support
Customer Service: 877-310-2373 (calls/emails monitored Mon–Fri 8:30 am–7 pm ET, excluding holidays).
Web support: 844-306-7300 for Customer Account Center issues (hours listed on the site may differ from general Customer Service hours).
In person: Support available at branches in 27 states (some sources cite 28, so the exact count may vary).
Online: FAQs, loan calculator, and contact options on the website.
Social: Mariner maintains social pages, which are monitored during business hours. For account-specific issues, use the phone or branch.
Not offered: Live chat is not listed as a support option.
How Mariner Compares
| Mariner | Lending Tree | Upgrade | |
|---|---|---|---|
| APR | 18.99-35.99% | 5.40-35.99% | 7.96-35.97% |
| Minimum credit score | None (generally need at least 580) | 600 | 560 |
| Loan amounts | $1,000-$50,000 | $1,000-$50,000 | $1,000-$50,000 |
| Loan term | 12-72 months | 12-144 months | 24-84 months |
| Suitable for | Those with fair or good credit | Those looking for a long repayment term | Those looking for a large loan |
Lending Tree and Upgrade offer longer repayment terms than Mariner. Additionally, Mariner has a much higher minimum APR. However, unlike Lending Tree, Mariner and Upgrade both accept credit scores below 600, making them ideal for those with fair credit.
The maximum available loan is smaller with Mariner, but, unlike the other two companies, it does offer loan insurance.
Summary
Mariner Finance is a branch-based lender offering online personal loans (often via WebBank) with soft-pull prequalification, co-signers, and secured or unsecured options.
Amounts top out at $25,000 (state-dependent), and APR can be high, with posted maximum schedules up to 35.99%. Always compare APR, fees, and total cost before borrowing.
Physical Address
Mariner Finance, LLC, NMLS #166564, 8211 Town Center Drive, Nottingham, MD 21236.
Methodology
This review was compiled using information from the company website.
FAQsWhat credit score do you need?
Mariner does not publish a hard minimum; approval depends on your complete profile. You can prequalify with a soft pull.
If I pay off early, do I still owe interest for the remaining term?
No. There’s no prepayment penalty; interest stops once paid in full.
How can I obtain my account number?
Contact your local branch or Customer Service, or log into the Customer Account Center.
Do you need collateral?
Only for secured loans; unsecured loans don’t require collateral.
Does Mariner report to credit bureaus?
Yes, Equifax, Experian, and TransUnion.
Written byDanielle Greving
Danielle Greving is a tech and finance writer at BestMoney.com, specializing in personal loans and mortgages. Her work has appeared in MoneyTips, CoinMarketCap and GraniteShares. An avid traveler and former ESL teacher, Danielle blends technical and financial knowledge into accessible insights for everyday readers.