Mariner Finance Personal Loan Review
- Cosigners allowed: If you have a low credit score, you may have an easier time applying with a cosigner. This means a second person would help take responsibility for repayment of the loan.
- Reports to credit bureaus: Unlike some lenders,
pros and cons
While this lender offers several benefits to borrowers, it’s always smart to weigh the pros and cons of a financial product before making a decision.
Pros
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lawsuit
In 2024, six states joined an existing lawsuit against
requirements
Unfortunately,
How to get a loan with
The personal loan application process with
Compare personal loan rates from top lenders in minutes How compares to other personal loan companies
Even if you believe
How Does LendingTree Get Paid?LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.Upgrade LendingTree’s rating 3.2/5 /5 Minimum credit score 580 APRs 7.99% – 35.99% (with discounts) Loan amount $1,000 – $50,000 Repayment term months months 24 – 84 months Origination fee Varies by state 1.85%-9.99% Funding timeline Approval possible within same business day May receive funds as soon as one hour May receive funds within one business day Bottom line has a high minimum APR, but it still falls in an affordable range. Like OneMain Financial and Upgrade, this lender may be best suited for borrowers with low credit scores. Similar to Mariner Finance, has a high minimum APR and small loan range. However, it accepts lower scores than Mariner Finance () than Mariner Finance and offers a quick funding timeline. Upgrade offers much lower APRs than Mariner Finance, but the lowest rates are reserved for borrowers with good credit. This lender also offers much larger loan amounts, though it does charge origination fees on all loans. How we rated
We evaluate personal loan lenders on more than just interest rates. Our goal is to show how accessible, affordable, transparent and supportive each lender really is.
Our categories
Every lender is scored out of 5 stars, with 5 stars being the highest rating. LendingTree loan experts determine this score using dozens of underlying data points across four weighted categories covering the full borrowing journey.
We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.
We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.
We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.
We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.
Our process
We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.
In some cases, our editors may apply a small adjustment (no more than 4% of the overall score) to account for factors not captured by the methodology. This could include J.D. Power customer satisfaction surveys, recent regulatory actions or features that stand out in ways our rubric doesn’t measure directly.
Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings.
Frequently asked questions
In 2024, was sued by multiple states’ attorneys general for allegedly participating in deceptive business practices, such as mailing out “live checks” — preapproved loan offers that typically have high interest rates — and offering credit insurance products.
Yes — in order to access a loan from , you’ll need to supply proof of income. This may include your most recent pay stubs, W-2s, bank statements or tax returns. You may also have to verify your identity and residency.
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