The home, automobiles and personal loans are provided by Mariner Finance, a consumer lender headquartered in the US. Established in 2002, in Baltimore, Maryland, it has nowadays more than 500 locations across a total of 28 states. The organization offers both unsecured and secured loans to customers who have different credit scores. The sizes of loans range from $1,000 to $25,000, and annual percentage rates (APRs) range from 16% to 35.99%. Mariner Finance allows co-signers and offers a 15-day satisfaction guarantee. Despite the company’s A+ rating from the Better Business Bureau, customer reviews are mixed, with some criticizing pushy marketing strategies and excessive interest rates. The company places a high value on personalized service and community involvement.
Mariner Finance – Personal Loans
Unsecured loans may be utilized to pay out debt, collect for medical expenses, or make improvements for your house. Secured loans require safety, such as a vehicle, and can come with lower interest rates. Loan amounts vary from $1,000 to $25,000. Terms: 12 to 60 months. APR: 16% to 35.99%.
Mariner Finance – Loans for automobiles
Loans for automobiles Financing for new and utilized cars: methods to buy or refinance a car. Secured by Vehicle: The majority of the time, financing are secured by the vehicle that is being financed.
Mariner Finance – Loans for houses
Loans for houses Home improvement loans are for attaching up or reconstruction your residence. Home buy and purchase loans can be obtained in certain areas.
How to Apply
1. Prequalification – Soft Credit Check: Lets consumers see probable loan offers without impacting their credit scores.
- Make use of You can send within your application online or in person at the branch closest to you.
Bankrate You need to provide proof of income, proof of residence, and a government-issued ID. - Finding approval and cash Same-Day Approval: A lot about the time, decisions are made immediately.
loans. Funding Timeline: The funds can be given out the same day once it’s approved.
Eligibility Criteria
Age: Applicants must be a minimum of 18 years old. You must live in one of the 28 states in which Mariner Finance provides business. Income: You need to show that you’re earning an ongoing source of income. Credit History: No required credit score is required, so people with poor credit or past bankruptcy
Fees and Costs
Starting Fee: Different in each state; for instance, in New Mexico, it can be up to $200 or 10% of the loan amount.
Late payment fees differ from state to state.
Returned Payment Fee: This fee applies if a payment is returned because there isn’t enough money in the account.
Trustworthy
No prepayment penalty; borrowers can pay off their loans early without having to pay extra fees. People who file for bankruptcy may still be eligible to get loans.
Reviews & Ratings from Customers
Better Business Bureau (BBB): A+ rating.
Average user rating on WalletHub is 3.4 out of 5.
WalletHub
Yelp: 74 reviews give it an average rating of 1.7 out of 5.
Yelp
Things people say good things about:
Quick and friendly service.
Willingness to cooperate with those who have bad credit.
Pros and Cons
Pros:
Offers both secured and unsecured loans.
Allows co-signers, increasing approval chances for some borrowers.
15-day satisfaction guarantee with no fees if the loan is returned within this period .
Mariner Finance
Reports to all three major credit bureaus, helping borrowers build credit.
Cons:
High starting APR compared to some competitors.
Not available in all 50 states.
Limited maximum loan amount of $25,000.
Bankrate
Some fees vary by state and may add to the cost of the loan.
Conclusion
Mariner Finance provides a number of packages of loans that are suitable to individuals who have various credit scores. The company provides borrowers many of choices, like unsecured and secured loans, co-signers, and a satisfaction guarantee. Yet, borrowers should be mindful that the interest rates and costs can be higher. For sure you make the best financial option, you ought to compare offers from multiple lender.
FAQs: Mariner Finance FAQs
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