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Mariner Finance

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marinerfinance.com
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131 reviews found
img 1/5.0 07, Jun 2025

Not transparent and too many fees

They promised one thing when I first applied and something else showed up in the paperwork. The origination fee and other charges were much higher than expected. It felt like I was being taken advantage of. I tried to cancel right after but they said it was too late. Customer service was not helpful at all. It felt more like a trap than a financial solution. I should?ve done more research, but I wouldn?t go back here again ever.

img 5/5.0 26, May 2025

Pleased from start to finish

From the first call to the final loan agreement, everything went smooth. No hassles, no surprises. The staff was professional and the funds came fast. I?d recommend them to anyone needing a personal loan.

img 1/5.0 05, May 2025

Terrible experience from start to end

Nothing went right. From the first phone call to the loan funding, it was frustrating. I kept getting bounced around to different people and nobody seemed to know what they were doing. I had to re-submit documents three times because they ?lost? them. When I finally got the money, the fees were higher than quoted. It felt disorganized and shady. Would never borrow from here again and I?m warning my friends and family to stay far away.

img 5/5.0 14, Apr 2025

Online pre-qualify is helpful

I liked being able to check pre-qual offers without hard credit check. That soft pull let me compare offers before committing.

img 1/5.0 08, Apr 2025

Would give zero stars if I could

They lure you in with fast approval and friendly staff but once the deal is done, it?s a nightmare. Their app is glitchy, their statements are confusing, and no one ever answers the phone. I needed help adjusting my payment schedule and they flat-out refused. There?s no empathy at all. They just want the money and don?t care what you?re going through. Very disappointed and wish I?d gone elsewhere.

img 5/5.0 25, Mar 2025

They really do help

I didn?t have the best credit but still they worked with me. Monthly payment not too high either thankfully.

img 5/5.0 18, Mar 2025

Flexible and friendly folks

They adjusted my due date when my paycheck schedule changed. Didn?t charge a fee or make it difficult.

img 5/5.0 14, Mar 2025

In-person help made difference

I?m not great with online apps, so I went into a local branch. The rep was patient, told me about secured loans using my car title, and helped me sign up. Funds came quickly and it was all very painless. Glad they have physical offices.

img 3/5.0 06, Mar 2025

Decent rates but few perks

Rates were fair for my credit tier, but Mariner didn't offer perks like autopay discount or lower rate for on-time payments. Other lenders had that. I asked about it but they said no. Loan is okay, payments are steady, but missing those little extras was disappointing-wise.

img 5/5.0 01, Mar 2025

Reliable and respectful

This was my first personal loan and I was nervous. Mariner?s team answered all questions and honored the 15-day satisfaction guarantee. Transparent, respectful, and reliable?exactly what I wanted.

img 5/5.0 28, Feb 2025

Great for bad credit

I?ve had some credit bumps in the past and was worried about qualifying. Mariner looked beyond just scores and a cosigner helped me secure a loan. It's been helpful, monthly payment is predictable and it?s helping rebuild my credit history. Can't ask for much more.

img 5/5.0 24, Feb 2025

Helped consolidate my debt

I used the loan to pay off two credit cards and now just have one easy payment. Interest rate is better too. I finally feel like I?m making progress on my finances.

img 3/5.0 17, Feb 2025

Clear terms but no flexibility

Mariner clearly explained fees, rates, and schedule upfront, which I liked. But later I needed to adjust payment date and they weren?t able to help. I had to stick to the schedule or pay extra fees if late. The clarity is nice, but some flexibility would?ve improved my experience.

img 5/5.0 11, Feb 2025

No hidden fees, clear terms

Origination fee was clearly disclosed, interest rate fair, no surprises. I read the fine print and it matched what they told me. That honesty gave me trust.

img 5/5.0 05, Feb 2025

Loan helped in a family emergency

Had to fly out of state for a family emergency and needed cash quick. Mariner processed my loan in a day and I got to be with my family when they needed me most. Really grateful.

img 3/5.0 30, Jan 2025

Straightforward but pricey

Loan amount was enough for what I needed, and they walked me through everything. However, rate was more than I expected for my credit. I didn?t feel cheated but also didn?t feel like I got a bargain. Payments have been manageable, but I?ll compare more options next time. Support was solid though.

img 5/5.0 23, Jan 2025

Personal service matters

What stands out is the personal touch. They didn?t rush me, answered my questions about APR and terms?appreciate that because financial stuff is intimidating. Took me less than 30 minutes in the branch and felt respected throughout.

img 5/5.0 18, Jan 2025

They explained every step

Everything was clearly explained in plain terms. I knew what to expect and how much I was gonna pay.

img 4/5.0 12, Jan 2025

Straightforward, no pressure

I walked into the office kind of unsure what to expect. But the guy who helped me wasn?t pushy and gave me options without pressure. I picked the one that worked best for my budget. The rate was a bit higher than I?d like, but not outrageous. Felt like they actually cared if I could afford the loan. Would consider going back in the future if I needed to.

img 5/5.0 07, Jan 2025

Attentive customer service

The branch rep even followed up after two payments to ensure everything was okay?and I appreciated that call. Felt more cared for than with big lenders.

img 5/5.0 04, Jan 2025

Everything made sense

I appreciated how they broke things down for me. I felt like they wanted me to really understand first.

img 5/5.0 01, Jan 2025

On-time funds for emergency

When my AC broke in July, I needed money fast. Applied for a loan online and it got approved same-day with money next day. That really helped me avoid a blown budget. Staff friendly and paperwork was simple. Totally relieved.

img 5/5.0 17, Dec 2024

Consistent, predictable payments

I appreciate that their personal loans have fixed monthly payments. I hate surprises in my finances, so knowing exactly what I owe each month gives me peace of mind.

img 5/5.0 11, Dec 2024

Easy to repay early

I paid off the loan early with no fees, which was awesome. Some lenders penalize you for that, but not here. Makes me more likely to use them again in future.

img 5/5.0 06, Dec 2024

Gave me a second chance

Had bankruptcy in past, thought no one would lend. Mariner said they look at full financial picture and yes I got approved. It felt like someone gave me a break when I really needed one.

img 3/5.0 27, Nov 2024

Service okay, felt rushed

When I went into the branch, they fitted me in fast but it felt rushed. They gave me forms, I signed, and left in under 20 minutes. That?s fast, but I didn?t feel they took time to listen. The loan is working out fine, but the interaction didn?t leave me feeling cared for. Maybe they were busy, but I prefer a slower pace.

img 4/5.0 21, Nov 2024

Clear terms and no surprises

They explained the loan terms really well, and I didn?t feel pressured. Everything matched what they said?no hidden surprises in the agreement. One small issue was that my application got stuck online and I had to call in. But once that was fixed, everything moved fast. The rate was reasonable for my credit situation, and I like knowing what I owe each month. Solid experience overall.

img 5/5.0 15, Nov 2024

Great for emergency funds

I had an unexpected bill and Mariner helped me out fast. Process didn?t feel stressful or confusing at all.

img 5/5.0 12, Nov 2024

Convenient and reliable team

They always pick up the phone and answer questions right away. Everything?s been smooth with payments too so far.

img 5/5.0 02, Nov 2024

Came through when no one else did

Other lenders turned me down but Mariner gave me a chance. I had decent income but my credit wasn?t great. They looked beyond the score and worked with me. The monthly payment is affordable too.

img 4/5.0 31, Oct 2024

Better than I expected

To be honest, I didn?t think I?d get approved but they worked with me and explained all my options. The secured loan using my car got me a better rate, which helped. Took a few more days than I hoped to get the cash, but it wasn?t bad. Overall, I?m happy with the loan and the monthly terms. Just hoping the payoff process is as smooth when the time comes.

img 5/5.0 27, Oct 2024

Not bad at all

Experience was surprisingly easy. Friendly staff helped me understand the contract and what I?d owe month to month.

img 5/5.0 24, Oct 2024

Payments are manageable

My payment plan fits right into my monthly budget. I was worried it might be too much but they helped me choose the right term length. So far it?s been easy to manage.

img 5/5.0 18, Oct 2024

Community focus

Mariner?s been around since 1927 and staff told me how they serve local communities. That local presence meant more flexible service than big online-only banks. Feels real and considerate.

img 5/5.0 10, Oct 2024

Helpful branch staff

Walked into the local branch and was greeted right away. They made me feel like my time mattered. Explained the secured loan option and helped me pick the best term. It?s rare to get that kind of service these days.

img 4/5.0 04, Oct 2024

Nice loan for emergencies

Had an emergency come up and didn?t have time to wait for a bank loan. Mariner got me what I needed quick and explained the steps clearly. I didn?t love the origination fee, but I understood why it was there. Everything else went fine, and now I have more peace of mind. I?d recommend them if you need help fast and want a real person to talk to.

img 5/5.0 01, Oct 2024

Easy to apply, no surprises

Application was quick and straight forward. No hidden fees or weird stuff later. Rep helped me pick right plan.

img 5/5.0 28, Sep 2024

Loan helped cover moving costs

I had to move suddenly and didn?t have the funds saved. The personal loan helped cover deposits and truck rental. The repayment is reasonable and I?m relieved to be settled now.

img 5/5.0 24, Sep 2024

Straightforward and honest

They really explained everything clearly?rates, loan timeline, zero prepayment penalty?which I liked since I plan to pay it off early. Felt transparent and trustworthy.

img 5/5.0 16, Sep 2024

Fast, easy online process

Applied online last week for $5k debt consolidation and got an offer in minutes?no impact to my credit score. The rates were fair, if not the cheapest, but the convenience was huge. Money hit my bank in two days and payments are fixed each month. Definitely took some stress off my plate.

img 3/5.0 10, Sep 2024

Helpful, but pricing surprised me

The officer was patient and nice at the branch, they answered my long list of questions. What surprised me was the origination fee?it was bigger than other loans I saw. Not hidden, but higher than I thought. The loan still helped me, and monthly payment works. But next time I?d like clearer upfront fee comparison.

img 4/5.0 07, Sep 2024

Great service, long hold time

The people at the branch were very friendly and professional. They answered my questions without trying to upsell me. However, I did have a long wait when I called customer service once, which was frustrating. Still, I got a good loan with payments I can handle. They didn?t push anything I didn?t need. I?d go back to them, just hope their phone support improves.

img 5/5.0 01, Sep 2024

Staff was patient and kind

I called twice before applying because I had questions. Each time, the staff was patient and explained everything. I felt like they actually wanted me to understand what I was getting into, not just sell me on a loan.

img 4/5.0 20, Aug 2024

Fast and helpful, but watch fees

Applied online and got a quick approval, which was great. They walked me through all the documents clearly. I did notice a couple fees in the contract that I almost missed, so just be sure to read everything. Besides that, it?s been a good experience. Monthly payment is manageable and I like the fixed rate. Would use them again if I need to borrow more in the future.

img 1/5.0 19, Aug 2024

Appalling service and zero help

I reached out for help because I was behind on a payment and wanted to work something out. They didn?t care at all. No flexibility, no advice, just threats about collections. It made my situation worse. I expected more from a company that claims to help people in tough spots. Instead, I got cold customer service and no real support. Definitely not the kind of place that cares about its clients.

img 4/5.0 08, Aug 2024

Nice staff, simple process

The rep I spoke with really took their time explaining everything, which I appreciated. The paperwork didn?t take too long and I had money fast. Only issue I had was their online portal was kinda slow. Other than that, I felt taken care of. They gave me a fair loan even with some dings on my credit report. Not perfect, but still a solid choice for getting a loan.

img 5/5.0 03, Aug 2024

Real humans, not bots

Every time I called or chatted with support, I spoke to real people who actually listened. They didn?t just give scripted answers. That made a big difference in my decision to apply.

img 5/5.0 31, Jul 2024

Great for rebuilding credit

I?ve been trying to rebuild my credit and this loan is helping. I got approved despite my score being in the low 600s. As long as I keep paying on time, this could really help me get back on track. So far, so good.

img 4/5.0 20, Jul 2024

Flexible and understanding

I had to adjust my payment due date last month and they were totally fine with it. That kind of flexibility is rare these days. The only reason I didn?t give 5 stars is because of the APR, it was a little higher than I wanted. But I got the help I needed and was treated fairly, which matters a lot. It?s a trustworthy company based on my experience so far.

img 5/5.0 17, Jul 2024

Flexible and understanding

Had to adjust my payment date after the first month. They were totally understanding and worked with me. Didn?t charge a fee either. That kind of service is rare.

img 3/5.0 06, Jul 2024

Served purpose, not amazing

Needed money after an unexpected medical bill. Mariner delivered on that, but experience wasn?t fantastic. Staff were polite but seemed rushed during my appointment. They explained things but didn?t ask how I was doing. It works, but I think other lenders could?ve offered same loan with better support.

img 5/5.0 04, Jul 2024

Cosigned loan was lifesaver

My credit?s not strong, but co-signed with my mom and we got approved. Payments are helping to build my score, I think they report to all bureaus. Very thankful for that opportunity and great for people like me starting over.

img 3/5.0 27, Jun 2024

Quick help, lacking reps availability

Got funds fast which I appreciated. But when I later had a question, calling support meant waiting for long time. I prefer fast answers. Service is good but could be improved by having staff easier to reach. If they make support more responsive, I?d give higher score. Funds were helpful but communication left something to be desired.

img 5/5.0 22, Jun 2024

Loan process went smoothly

No delays, no confusion. Everything was explained before signing. They emailed me all the docs for my records too.

img 2/5.0 13, Jun 2024

Service felt too transactional

Applied for a personal loan and got approved, but the overall experience was just off. The staff was polite but felt cold, like they just wanted to close the deal. No real discussion about if this loan was best for me or what other options I might have. Also, the interest rate was crazy high compared to what I saw online. They say it?s based on credit, but still felt like too much. I wouldn't call it helpful, just... serviceable.

img 5/5.0 06, Jun 2024

Great for short-term needs

I just needed something short term to get through a tough month. The fixed payments and interest were reasonable. Paid it off early without penalty. No complaints at all.

img 2/5.0 02, Jun 2024

Not the best loan experience

I really tried to give this place a chance, but it wasn?t what I expected. The loan process took longer than they told me, and the rates were a lot higher than I thought. I asked questions but didn?t always get clear answers. I did get the money eventually, but it didn?t feel like they really cared about helping me. The rep seemed rushed, and it felt more like a sale than support. Honestly, not sure I would use them again.

img 5/5.0 29, Apr 2024

Helpful online chat

I had some questions about co-signers and branch availability. Their online chat rep was quick and polite, no bots or nonsense, real person who answered clearly. Next day I went in and finalized loan.

img 3/5.0 24, Apr 2024

Okay experience, just ok

Service was fine but nothing really stood out. They approved me quickly and money came soon. But communication after funding felt absent?I never got a check-in call or confirmation that everything was okay. I guess they trust their system works, but a little follow-up would?ve made me feel better. It?s not bad, just kinda impersonal.

img 3/5.0 20, Apr 2024

Friendly but less personal

The staff at the branch was friendly, but follow-up after funding was minimal. I didn?t get any check-in call or email to see if I was happy. Felt like once they handed off money, that was it. I?d like a little more warmth in the service. Loan itself closed on time, but engagement dropped off.

img 1/5.0 16, Apr 2024

Unprofessional and disorganized

My appointment was rescheduled twice and when I finally got there, they couldn?t even find my paperwork. I waited over an hour in the lobby just to be seen. The loan agent barely explained the terms and seemed annoyed with my questions. When I checked my contract later, it was missing key info. I called and they said I should?ve asked more questions in person. Very unprofessional and a mess from start to finish.

img 5/5.0 11, Apr 2024

Supportive staff, no pressure

Walked into a branch feeling nervous about borrowing. Staff there made me feel comfortable, didn?t rush me, and explained secured vs unsecured loans well. No hard-sell tactics, just honest advice. Really relieved to get a loan that fit my needs without feeling stressed.

img 3/5.0 04, Apr 2024

Fast funding, average rate

I was impressed with how fast funding arrived?two days after approval. That was helpful. But the interest rate was higher than several online lenders I checked. Staff didn?t pressure me but I didn?t feel like I got the best deal. It works, but next time I might go digital to shop rates quicker.

img 3/5.0 25, Mar 2024

Dependable but dull

The loan was dependable and payments are easy. But the whole process felt dull?no urgency, no follow-up. It did the job but didn?t inspire trust beyond that. I?d go back if needed, but won?t rave about the experience. For practical needs it works fine.

img 5/5.0 12, Mar 2024

Simple documents, no confusion

Paperwork was easy to understand. No confusing language or hidden terms. They gave me copies of everything and explained each part. Made me feel good about signing.

img 1/5.0 01, Mar 2024

Rude staff and bad communication

The lady at the branch was super rude when I asked to explain the loan terms. She acted like I was wasting her time. I left and came back hoping to talk to someone else, but the next guy wasn?t much better. They rush you to sign and don?t want to give real answers. I felt pressured and not respected as a customer. There?s no excuse for that kind of treatment when someone?s trusting you with money stuff.

img 5/5.0 03, Feb 2024

Speed and convenience

Applied online for a vacation loan. Prequalified in minutes with no effect to credit. Funds arrived in my account two days later. Took the stress out of travel budgeting. I'll use them again for future trips.

img 5/5.0 30, Jan 2024

Good people, good experience

Staff was friendly, not pushy. They answered my calls every time I needed info about my loan or balance.

img 5/5.0 22, Jan 2024

Branch was super clean and friendly

Went into a branch and was impressed. Place was clean, organized, and staff was friendly. Not what I expected from a loan place. It actually made me feel confident signing the paperwork.

img 5/5.0 19, Jan 2024

Honest and respectful

They didn?t sugarcoat anything, which I respect. Told me what it would cost and helped me decide for myself.

img 3/5.0 15, Jan 2024

Supportive but rates high

Agent at the branch was helpful and not pushy. I appreciate that. But the APR felt high compared to online options. I did get the money quickly though, which helped. Probably best for people needing fast, in-person service, even if interest isn?t the lowest. If they offered lower rates, it?d be a lot better in my book.

img 4/5.0 12, Jan 2024

Supportive during hard times

When I got behind on bills, Mariner helped me get a personal loan without making me feel ashamed. The lady I worked with was kind and walked me through every detail. It really helped me get back on track. I do think the monthly payment is a little high, but it was still doable. I felt supported and respected, and that meant a lot during a rough patch.

img 5/5.0 09, Jan 2024

Friendly help in tough times

I needed a small loan after my car broke down and Mariner Finance was so helpful. The rep explained everything clearly and got my funds to me same day. I appreciate the human touch?felt like I wasn?t just a number. Branch staff treated me with kindness and even followed up to check how I was doing.

img 4/5.0 04, Jan 2024

Worked with my low credit

Even with bad credit I was able to get approved. I liked that they gave me a chance and didn?t judge me. The payments are a little tight for my budget, but I?m managing. They told me exactly how much I?d pay and how long, so no surprises there. It's not perfect, but better than payday lenders or credit cards. Happy to be rebuilding my score now.

img 5/5.0 29, Dec 2023

Perfect for small loan

Needed just $1,500 to cover back-to-school expenses. Other lenders had higher minimums but Mariner worked with me. I liked that I wasn?t forced to borrow more than I needed.

img 5/5.0 24, Dec 2023

Good support, clear terms

They explained the loan clearly, and I liked the monthly payments was fixed. Easy to manage and on time.

img 5/5.0 21, Dec 2023

Simple refinancing

Refinanced my auto loan and now my monthly payment is lower. The whole process only took an hour in branch. Very happy to save money each month.

img 5/5.0 15, Dec 2023

Got approved despite past issues

I?ve had collections in the past and wasn?t sure I?d qualify. Mariner approved me based on my current job and income. They didn?t hold my past mistakes against me. That meant a lot.

img 5/5.0 10, Dec 2023

Money saved me from late fees

Used the funds to pay down a medical bill. Without Mariner I would?ve faced late fees or penalty charges. Loan was convenient and funds arrived fast. Glad I had the option.

img 5/5.0 05, Dec 2023

Second time borrowing

This is my second time working with Mariner and both times have been great. I needed help consolidating some debt and they walked me through everything again like I was new. Easy payments and no hidden charges. Glad they were still as good the second time.

img 4/5.0 01, Dec 2023

Good for debt consolidation

I used Mariner to consolidate a few high-interest cards and it?s been a big help. I now have one payment instead of three, and it?s easier to manage. Process wasn?t complicated, but I did have to go into the branch to sign some stuff. Not a huge deal, just wish it could?ve all been online. Still, glad I made the move?it?s helped a lot with my budgeting.

img 5/5.0 30, Nov 2023

Helpful and human

Didn?t treat me like a number. They cared and answered all my questions without sounding annoyed or salesy.

img 4/5.0 25, Nov 2023

Respectful and helpful staff

Everyone I talked to was kind and respectful. They didn?t make me feel dumb for asking a lot of questions. The only thing I?d change is making the online portal easier to use. Sometimes I had trouble logging in. But overall, it?s been a smooth experience and the money came right when I needed it. I?d feel okay going back if I had to borrow again.

img 3/5.0 21, Nov 2023

Helped but felt expensive

I got approved quickly which was great, but later I noticed the interest rate was higher than I expected. Staff were friendly and explained everything clearly, but I?m still paying quite a bit more than I hoped. It did help me pay off my expenses, and the monthly payments are predictable. Just wish the APR was a bit lower or they offered more competitive rates for my credit level.

img 1/5.0 10, Nov 2023

Hidden costs and zero support

Everything looked good when I first applied. But after signing, it all went downhill fast. They added fees I didn?t see in the initial breakdown. And when I called to talk about it, I got different answers every time. They don?t explain anything in detail and seem more focused on closing the deal than helping you out. I?m stuck with a payment I can barely afford now. Really disappointed and wouldn?t recommend them to anyone dealing with financial hardship.

img 5/5.0 04, Nov 2023

Solid experience overall

I've had great service at my local branch in Georgia. Everyone is professional and friendly. They helped me consolidate credit cards into one easy payment. Less hassle now and I feel more in control.

img 4/5.0 29, Oct 2023

Decent rates and fast funding

The whole thing went quicker than I expected. I applied and had the money by the next day. The interest rate wasn?t amazing, but it wasn?t terrible either. I liked that they didn?t ask for too much paperwork and didn?t judge me for my credit. Would?ve liked more repayment options, but otherwise they made the process smooth and easy. No big complaints at all.

img 4/5.0 27, Oct 2023

Easy terms and fair service

I liked that everything was broken down clearly from the start. The person I worked with helped me understand the loan without using confusing language. I only took out a small loan but it was exactly what I needed. The rate was okay, not the best, but the service made up for it. If they improve the mobile app a little, I?d give it five stars. Still very satisfied overall.

img 1/5.0 22, Oct 2023

Never again, not worth it

At first it sounded like a great deal. But when I got the actual breakdown, I saw how much extra I?d be paying. Tried to back out but was told I already committed. I felt trapped. Their customer service is almost impossible to reach, and their emails go unanswered. I?m just counting down the months until this is paid off. I?d never go back or recommend them to anyone. Should?ve trusted my gut and walked away.

img 5/5.0 15, Oct 2023

Nice for holiday loan

Took out a loan for Christmas shopping and travel. The process was easy and I had the funds fast. Helped me avoid running up credit cards. Will probably use again next year.

img 1/5.0 09, Oct 2023

Wouldn?t recommend at all

This was hands down one of the worst finance experiences I?ve had. The interest rate was through the roof, and they never explained it properly. I felt rushed into signing and then when I tried to ask questions after, nobody could give me straight answers. The staff seemed nice at first but once the paperwork was signed, no one cared. Honestly, I regret going through with it. I wouldn?t suggest this place to anyone who?s looking for honest lending help.

img 5/5.0 04, Oct 2023

Perfect timing

Had an unexpected car repair and was short on cash. Mariner got me approved same day and the funds came just in time. The rep at the branch was polite and didn?t try to push me into anything I didn?t want. Super thankful for that.

img 3/5.0 29, Sep 2023

Supportive but wait times long

The staff was friendly but my in-person appointment ran late. I waited nearly half an hour before they started. Once started, process was smooth and I got the loan, so that was good. Just feel they need to improve scheduling or communicate delays better. Besides that, service itself met expectations?helped me out but so-so experience overall.

img 5/5.0 25, Sep 2023

Fast and honest

No weird surprises after signing. Monthly payments been exactly what they said it would be. So far, so good.

img 5/5.0 18, Sep 2023

Fixed rate is so helpful

Knowing exactly that I'm paying the same every month helps with budgeting. Some loans sneak fees in but this one didn't. Staff gave me amortization schedule upon request without fuss.

img 5/5.0 15, Sep 2023

Great app and online tools

The mobile app makes it simple to track payments and see my balance. I get reminders before due dates too. I like being able to manage everything from my phone.

img 5/5.0 11, Sep 2023

Fair loan terms

I liked that the terms were fair and explained up front. No weird add-ons or tricky stuff in the contract. They gave me time to think it over too, which I appreciated. I felt in control the whole time.

img 3/5.0 06, Sep 2023

Good, but could improve tech

The branch staff were great and got me set up smoothly. But their app doesn?t update balance quickly, and dashboard often shows incorrect payment history. Outside of tech issues, everything else is okay. If they modernized their portal, I?d be happier. Till then, it?s fine for in-person use though.

img 5/5.0 03, Sep 2023

Loan helped pay bills on time

I used the loan to pay off some utility bills before the cutoff. The process was easy, and I didn?t feel judged for needing help. Payments are easy to manage. Useful option for emergencies without too much headache.

img 5/5.0 29, Aug 2023

Always professional

This was my third loan with Mariner and every time, the service has been professional. They don?t treat me like a number. That?s why I keep coming back when I need help.

img 5/5.0 23, Aug 2023

Got the money quick

Application done online and funds came within two days. Didn?t expect it to go that smooth honestly.

img 5/5.0 21, Aug 2023

Good for low credit score

With a 580 credit score, many places didn?t help me. Mariner approved me, explained pros and cons of secured vs unsecured, and I chose unsecured. Payments are always the same and it?s helping me rebuild credit.

img 4/5.0 16, Aug 2023

Good option when bank said no

I didn?t qualify with my regular bank, but Mariner was able to help me. The loan process was pretty easy, and I got the funds in just a couple days. Rates were a bit high for me, but I expected that with my credit. Overall, the staff was helpful and polite, and I?d consider them again if I needed it. Just wish the interest was a little better.

img 3/5.0 14, Aug 2023

Decent but missing polish

They got me approved and funds arrived nicely. What bothered me was the paperwork quality?typed forms looked dated and several typos in print. Made me wonder about attention to detail. Loan itself is fine, but I?d expect cleaner documentation considering fees involved.

img 3/5.0 09, Aug 2023

Helpful but paperwork heavy

I thought applying would be easy but there was a lot of paperwork involved. Took a few visits to submit everything. Staff were patient and answered all my questions, but I wish process was less cumbersome. Funds came eventually but the extra trips were a hassle. If they had more streamlined application, I?d rate higher. Still, it got done fine.

img 5/5.0 04, Aug 2023

Better than expected

Honestly didn?t expect much when I applied, but I was surprised by how professional and helpful the team was. I?ve had bad experiences with other lenders but this one was different. Clear terms, decent rate, and no pressure. Glad I took the chance.

img 5/5.0 31, Jul 2023

Secured car loan option helped

I used my car as collateral to get a better rate. They walked me through the lien process and the office staff kept communication smooth. Interest rate was lower than my unsecured offers and monthly payments are comfortable.

img 5/5.0 24, Jul 2023

Honest and respectful

They treated me with respect from start to finish. No pressure, no shady stuff. They told me the interest rate up front and stuck with it. Felt honest the whole way through.

img 5/5.0 17, Jul 2023

Smooth and quick experience

I applied for a personal loan and was approved quickly. The process was smoother than I expected and the team didn?t rush me at all. They answered every question I had without making me feel dumb. The money was in my account the next day. It was a big help.

img 5/5.0 13, Jul 2023

Transparent, no hidden fees

What impressed me most is that they tell you upfront about fees, APR range, and let you prequalify without hard credit check. I didn?t feel surprised by fine print or charges. It?s refreshing to feel informed.

img 5/5.0 09, Jul 2023

Approved when banks said no

Had trouble getting approved elsewhere. Mariner looked at my income and helped anyway. Big relief to get funded.

img 5/5.0 05, Jul 2023

Really easy process

The online application was fast and easy. I liked that I could prequalify without hurting my score. Once I accepted the offer, the money came in about 48 hours. I didn?t expect it to be so simple.

img 5/5.0 01, Jul 2023

Good for first-time loan

This was my first loan ever and it wasn?t scary at all. They were patient and walked me through.

img 1/5.0 30, Jun 2023

Worst lending experience I?ve had

I?ve taken out loans before, but this was by far the worst. They promised one thing on the phone, then the paperwork said something else. When I pointed it out, they brushed it off and said it was ?standard.? The fees, the interest, the way they talk to you?it all feels off. I couldn?t get out of the loan fast enough, but I?m still paying for it. Totally regret walking into their office that day.

img 3/5.0 23, Jun 2023

No surprises, just average

Mariner Finance offered me the loan I needed but there wasn?t anything remarkable about the experience. Everything was by the book, no hidden fees, but not much personal touch either. It served the purpose but felt generic, like any other lender. I liked their clarity, but not sure I?d choose them again over someone offering slightly lower rates. It?s okay, but nothing to write home about.

img 5/5.0 20, Jun 2023

Saved me from late rent

Rent was due and I was short after a medical bill. Mariner Finance came through fast. Got approved the same day and paid my landlord on time. The rep didn?t judge me, just helped. That meant a lot.

img 2/5.0 16, Jun 2023

Too many fees and delays

Honestly, I regret going with Mariner. They told me I?d have my money in 1-2 days, but it took a full week and no one gave me a straight reason why. Plus, the fees were more than I was expecting?some of it buried in the fine print. Customer service wasn?t rude, but they weren?t exactly helpful either. I needed this loan in an emergency and it added stress instead of solving anything. It worked out, but not in a good way.

img 5/5.0 12, Jun 2023

Pre-qualification helped me plan

I liked being able to see my loan options before committing. Pre-qualifying helped me plan my budget and know what to expect. There was no pressure to finalize either.

img 3/5.0 08, Jun 2023

Adequate, not extra helpful

Mariner checked my eligibility quickly and helped me choose terms. But they didn?t suggest budget tips or financial advice; felt like they just did a transaction. I signed, got money, end. Not bad per se, but if they also offered guidance, the experience would be more helpful.

img 5/5.0 04, Jun 2023

Responsive customer support

Had minor question about autopay. Called customer support?they answered promptly and solved it. Not a lot of waiting or transfers.

img 5/5.0 28, May 2023

Helpful rep, zero judgement

Tracy at the Michigan branch was awesome?patient, friendly, answered all my questions. She helped me choose a 3-year term so payments stayed manageable. Felt like I was talking to a friend who knew finance?not just a salesperson.

img 1/5.0 25, May 2023

Bad vibes all the way

From the beginning something felt off. The office was chaotic, and the rep kept pushing me to sign fast. I asked to take the papers home and was told ?it?s now or never.? That should?ve been my red flag. I signed and have regretted it ever since. Interest is insane, and the payment dates don?t work with my pay schedule. No one?s willing to work with me either. Learned my lesson the hard way.

img 1/5.0 20, May 2023

Felt like a scam, honestly

I usually don?t leave reviews, but I feel like people need to know. They hit me with a crazy APR even though I had decent credit. The rep told me one rate and the final paperwork said something else. By the time I realized, it was too late. I should?ve walked away. They act nice but don?t really care once you?ve signed. Now I?m stuck with a loan that?s costing way more than it should.

img 5/5.0 18, May 2023

Simple and helpful

Didn?t feel judged for having less than perfect credit. Loan helped me stay afloat during a tough month.

img 5/5.0 13, May 2023

Great for unexpected expenses

When my washer died, I needed $1,500 quick. Mariner approved it fast and I got funded next day. No judgment, just help. Pretty great relief honestly.

img 5/5.0 08, May 2023

Nice service and fast approval

They walked me through all options and let me choose. Didn?t feel pressure or rush to sign anything quickly.

img 5/5.0 03, May 2023

Quick Help When I Needed It

Got approved fast and funds was in my account next day. Staff was super helpful through whole loan process.

img 3/5.0 28, Apr 2023

Good service, slow portal

Branch visit was smooth and staff were welcoming. But their online portal is slow and sometimes crashes when I try to view my loan balance. That tech glitch added stress. The actual loan itself is okay, monthly payments work for me. Overall, I might consider them again but only if they fix the online issues. Friendly people, just needs better technology support.

img 2/5.0 21, Apr 2023

Communication needs improvement

I had to keep calling to get updates about my application because no one followed up. The loan was eventually processed, but it took way longer than promised. I got bounced around between different people, and nobody seemed to know what was going on with my file. The loan terms were clearly explained, I?ll give them that, but everything else felt disorganized. Wasn?t the worst loan I?ve ever gotten, but definitely not a smooth or reassuring process either.

img 5/5.0 10, Apr 2023

Good for smaller loans

Needed $2k for dental work. Couldn't get approval elsewhere. Mariner approved and funded in few days. Amount was small but made big difference.

img 5/5.0 03, Apr 2023

Approved when others said no

I tried two lenders and got denied. Mariner gave me a chance and didn?t make me feel bad about my situation. The loan helped me get back on track.

Mariner Finance

Address
Town Center Drive 8211A
21236
Baltimore
United States

Website
marinerfinance.com

Email

Telephone

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