Mariner Finance – Personal Loan
Mariner Finance is a regional consumer lender with 480+ branches across 27 states, offering personal loans, secured loans, and auto loans for fair credit borrowers.
Applying does not obligate you to accept a loan offer.
Mariner Finance Personal Loan – Review 2026
Mariner Finance is a Baltimore-based consumer finance company with over 480 branches across the eastern and central US. Mariner serves borrowers who do not qualify with banks, with a focus on secured personal loans backed by a vehicle, household goods, or other collateral.
Loan Details
Loans range from $1,000 to $25,000 with terms of 12 to 60 months. APRs from 18.99% to 35.99%. Origination fees may apply depending on state. Both unsecured and secured options are available, with secured loans offering lower rates.
✓ Pros
- Branch convenience
- Accepts fair credit
- Secured option for lower APR
- Same-day branch checks
✗ Cons
- High APRs (18.99%-35.99%)
- Maximum loan $25,000
- Origination fees vary by state
Loan Example
Example: $5,000 loan for 36 months at 26.99% APR = monthly payment of $206.59, total payable $7,437.24.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident in service area
- ✓ Stable income source
- ✓ Government-issued ID
- ✓ No active bankruptcy
Loan Features
- 480+ branches in 27 states
- Secured + unsecured options
- Same-day branch funding
- Bad credit accepted
- Auto and home improvement loans
Frequently Asked Questions
Same day in branch after submitting your application.
The minimum amount at Mariner Finance is $1,000 USD.