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When it comes to mariner finance, it avails loans that will help the poor-credit defaulter cover the daily expenses. Mariner finance Personal Loan can be a good option for you if you have things like for  a poor score.

  • A Poor Credit Score – the acceptable minimum score of the lender is 580. This is the reason why the annual percentage rate in the starting of mariner Finance is 24% which is higher than most of the online lenders.
  • A Good Credit History – a borrower, looks at the credit history at least for the minimum of past five years.
  • Annual Income More Than $35,000 is a good option for a mariner finance borrower.
  • Easy Access to Branch – mariner finance has its branches in all across the 18 states, and eight states have the affiliate pioneer credit. The borrower gets an option for online applications but to complete the entire process it requires a person in-person visit.
  • The mariner finance is available in the cities of Delaware, Illinois, Indiana, Kentucky, Florida, Alabama, Maryland, Louisiana, Missouri, New Jersey, New York, North Carolina, Pennsylvania, Tennessee, Texas, Wisconsin, Ohio, and Virginia. The pioneer credit option is available in Kentucky, Mississippi, South Carolina, Tennessee, Texas, Georgia, Alabama, and Louisiana.

Mariner Finance Loans Reviews in Detail

Mariner Finance lends personal loans to the individuals who get serious troubles in their credit and do not qualify elsewhere for funding. At Mariner Finance, the loan officer approves each loan instead of a computer algorithm. Here, people get a chance to come out of tough situations and explain their situations as well as problems. At Mariner Finance, only the hard credit check is conducted that will affect the person’s credit score.

A person needs to check for the rate at the lenders that initially offer general credit checks. Individuals who do not get a chance to qualify for a Mariner loan will still pay a greater rate of interest. Apart from Ascend, the starting rate at Mariner Finance is the highest lending companies. Mariner Finance needs borrowers to safeguard the loan of more than $10,000.

Mariner Finance Loan- How to Apply?

  • You need to fill out the application form on their official website where you will be asked to submit your basic information, your social security number, your job data, your income and which one is closer to you between Mariner Finance personal loan and the Pioneer branch.
  • Then you will receive one hard credit check when you deposit the application in the respective place. After going through all the data provided, if you get approved, a specialist from the branch will contact you as soon as possible.
  • You will be called to the branch if your application gets sanctioned with important documents so as to verify your identity, address, and your income and then you will receive the money through a check from the branch.


  • Minimum income of the borrower needs to be in between $35,000 to $45,000.
  • The minimum credit history is checked for at least of five years.
  • Minimum credit score has to be 580.

Things to Understand Before Taking a Personal Loan

You must check your credit report and know about your financial strengths and your chances of being approved for a personal loan. The high-interest rate might stress a good credit score, such as a low score can be enhanced by a higher income. You must evaluate the payment scenarios.

Have a focus on clearing the debt as soon as possible. The personal loans can help you clear your debts, but for a longer run, you must consider making a budget that covers sound expenses and also lets you put the money aside for urgent situations and opportunities.

  • Your credit score is at least 600
  • Your annual earnings are between $35,000 and $45,000, the average for a Mariner borrower
  • You have an established credit history. The average borrower’s history is at least five years.


Typical APR 24.00% to 36.00%
Loan amount $1,000 to $25,000
Time to funding Typically one day
Origination fee Varies by state
Soft credit check with application? Yes


  • Minimum credit score: 600
  • Minimum income: None specified; average is $35,000 to $45,000
  • Minimum credit history: Not provided, but typically five years or more
  • Debt-to-income ratio: Not provided


  • APR range: 24% to 36%
  • Loan amount: $1,000 to $25,000 (varies by state)
  • Loan duration: One to five years


  • Origination fee: Varies by state
  • Prepayment fee: None
  • Late fee: Varies by state
  • Personal-check processing fee: Varies by state
  • Insufficient funds fee: Varies by state


NerdWallet’s ratings for personal loans awards points to lenders that offer consumer-friendly features, including soft credit checks, no origination fees, payment options, short time to funding, interest rate caps of 36%, and absence of prepayment penalties. Features are considered for their positive impact on consumers’ credit history and financial health. To ensure accuracy and consistency, our ratings are reviewed by multiple people on the NerdWallet Personal Loans team.

5 stars out of 5 — Among the very best for consumer-friendly features

4.5 stars out of 5 — Excellent; offers most consumer-friendly features

4 stars out of 5 — Very good; offers many consumer-friendly features

3.5 stars out of 5 — Good; may not offer something important to you

3 stars out of 5 — Fair; missing important consumer-friendly features

2.5 stars out of 5 — Poor; proceed with great caution

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Updated: November 30, 2017 — 5:05 pm

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