LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No.CFI-114. Editor Updated: Apr 18, 2023, 5:17am Editorial Note: We earn a commission from partner links on Forbes Advisor. VA Residents: Mariner Finance of Virginia. This “hard” credit inquiry may impact your credit score.Ĭalifornia Residents: Loans made or arranged pursuant to a California Financing Law license. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. *The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. Not all loan types are eligible for loan by phone or online loan closing. Depending on where you live, you may be required to pay a loan origination fee and a one-time fee for making an online or phone payment. Your APR will be based on your credit, repayment plan, and whether you apply for a secured or unsecured loan. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Mariner offers loans from 1,000 to 50,000, with APRs ranging from 18.99 to 35.99. Not all rates and loan amounts are available in all states. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Any stated APR represents the cost of credit as an estimated yearly rate, and each applicant’s APR will be determined based upon state of residency, credit at the time of application, subject to state law limits, and individual underwriting.
Loans greater than $15,000 or less than $1,500 are funded through our branch network. Loans between $1,500 and $15,000 may be funded online. †We offer personal loans from $1,000 to $25,000, with minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan.
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