At a Glance
Rates & Fees
Key Features
APRs from 15.99% to 35.99%
Loans from $1,000 to $25,000, depending on underwriting and state
Terms from 12 to 72 months
Checking offers uses a soft credit inquiry
Pros & Cons
Pros
- Online or in-branch application
- Secured (e.g., auto-secured) and unsecured options
- 15-day satisfaction guarantee: repay in full within 15 days and finance charges are waived
Tradeoffs
- Minimum APR of 15.99% is higher than many online lenders
- Origination fees may apply and reduce the funds you receive
- Maximum loan amount of $25,000
How to Apply
Check whether Mariner Finance offers prequalification and whether it uses a soft or hard credit inquiry before submitting personal information. A full loan application may affect your credit score.
Compare the estimated APR, term, and monthly payment against at least one other lender before committing.
Gather proof of income, identification, and bank account details for the formal application.
Submit the full application directly on Mariner Finance's site; approval typically requires a hard credit inquiry.
If approved, review the final loan agreement for the origination fee and funding time (not stated on mariner's personal loan page) before signing.
How It Compares
Current product highlighted| Product | APR Range | Loan Amount | Origination Fee |
|---|---|---|---|
| Mariner Finance Personal Loan | 15.99%–35.99% | $1,000–$25,000 | May apply; disclosed in your loan offer |
| Citi Personal Loan | 10.24%–18.49% | $2,000–$30,000 | None |
| LendingClub Personal Loan | 5.96%–35.99% | $1,000–$75,000 | 0–8% |
| Upgrade Personal Loan | 7.74%–35.99% | $1,000–$50,000 | 1.85–9.99% |
Rates and terms shown are illustrative as of 2026 and vary based on creditworthiness, income, and loan amount — always confirm current terms directly with the lender.