We’re grateful for another opportunity to help out in the community, connect with our neighbors, and support the work Meals on Wheels does every day.

Check out the recap!

The post Mariner Finance & Chris Lillis Deliver Meals with Meals on Wheels appeared first on Mariner Finance.

• The interest rate is the annual cost of borrowing, expressed as a percentage. It generally excludes loan fees or other charges.
• The APR is the interest rate plus loan fees, providing a combined total of the annual borrowing cost.
• The finance charge combines the interest rate and loan fees over the life of the loan. Unlike the interest rate and APR, this charge is captured in dollars.

When you compare personal loan offers, the interest rate and the annual percentage rate (APR) provide a general idea of the cost of borrowing.    The interest rate is the annual cost of borrowing, shown as a percentage, typically excluding loan fees and other charges.  The APR, however, combines any charged loan fees with the interest rate, providing a consolidated view of the annual borrowing cost.  In some cases, the finance charge is also provided. The finance charge shows the combined value of the interest rate and loan fees over the life of the loan, as expressed in dollars.

Every lender is different, and the fees in these numbers can vary. It is best to check with the lender directly for the details of a specific offer.  Here is a closer look at what each number tells you and how to use all three when you compare loan offers.

What Is an Interest Rate?

The interest rate is the price a lender charges for the money you borrow. This cost is added to your principal, which is the amount you receive.  The interest rate is written as a yearly percentage, and it does not include any loan fees or other charges.  Personal loan interest rates can be fixed, which means they stay the same, or adjustable, which means they can change. It may help to ask which kind an offer carries.  Because the interest rate excludes loan fees, two loans with the same interest rate can cost different amounts in the aggregate once fees are added.

What Is an APR?

APR stands for annual percentage rate.  Unlike the interest rate which covers only the cost of the money you borrow, the APR also combines certain fees charged by the lender, such as origination charges. Basically, the APR adds the interest rate and those loan fees charged by the lender into one yearly percentage.  That is why a loan’s APR is usually higher than its interest rate.  Generally, lenders are required to share the APR with you so you can use it to compare one offer with another.

What Is a Finance Charge?

The interest rate and APR are percentages. The finance charge answers a different question: how many dollars will this loan cost? Federal rules define the finance charge as “the cost of consumer credit as a dollar amount.”  In plain terms, the finance charge generally covers the interest plus certain loan fees that you would pay throughout the life of the loan, if you keep the loan for the full term.  For many people, this dollar amount offers an easier assessment of what it costs to borrow the loan.

How the Three Numbers Describe the Same Loan

The table below shows how each number affects a fictional $5,000 loan approval in a different way.

*This information is provided for illustrative purposes only.

Notice that the APR is higher than the interest rate. That is because the APR includes charges beyond interest.  The finance charge is the gap between the amount financed and the total of payments.  These figures illustrate how each number answers a different question. Be sure to read the lender’s disclosure which will typically provide the APR, interest rate, amount financed, and finance charge for the specific loan.

Monthly Payment vs. Total Repayment

Many people look at the monthly payment first. But the cost of a loan is not determined by that number alone.  Term length matters a great deal. If you spread the same loan over more months and each payment gets smaller, you may end up paying more interest overall.   For example, if two offers share the same interest rate, but the first lasts 36 months and the second lasts 60 months, the longer one will usually cost less each month, but more overall.  It helps to read both numbers together. The monthly payment tells you if the loan fits your budget today. The total repayment shows you how much the loan costs by the time you make your last payment.

Why APR Is Usually Better Than the Interest Rate Alone for Comparing Loans

An interest rate by itself leaves loan fees out of the comparison.  The APR combines the interest rate and any loan fees charged by the lender. That makes the APR a more reliable number for weighing one offer against another.  Two loans can advertise the same interest rate but carry different APRs. In that case, the offer with the lower APR generally costs less.  It is wise to compare APR with APR. If you set one loan’s APR against another loan’s plain interest rate, you are mixing two different measures, and the more expensive offer can look like the cheaper one.

A Note About Loan Fees

Every lender is a little different. The loan fees in an APR or a finance charge typically vary.  The guide above explains what each number means in general. For the details of a specific loan, read the disclosures the lender provides, and ask what fees, if any, come with the loan before you sign the agreement.

Exploring Your Options with Mariner Finance

If you’re considering a personal loan, Mariner Finance could help. Check your loan offers online, contact us at 1-877-310-2373, or visit a branch location to explore what’s available.* Be sure to ask about our 15-day satisfaction guarantee.**

The information provided in this article does not constitute financial advice and is provided for educational purposes only without any express or implied warranty of any kind. This article is not intended as legal, tax, investment, or any other advice, and Mariner Finance does not offer credit repair services. Consider talking with an appropriate qualified professional for specific advice. Blog posts are for informational purposes only.

*Mariner Finance, LLC (“Mariner”) and/or WebBank, as applicable, (collectively “Lender,” “we,” or “us,” as applicable) offers personal loans from $1,000 to $25,000, with minimum and maximum amounts dependent on the underwriting of the loan and subject to applicant’s satisfaction of eligibility requirements and approval by Lender, and an applicant’s state of residence for Mariner-originated loans. Terms and conditions apply.

Online loans between $1,500 and $14,000, originated by WebBank, except online loans in CA and MD originated by Mariner Finance, LLC. Loans greater than $14,000 or less than $1,500 may be originated by Mariner through Mariner’s branch network. For GA residents, online and in-branch loan amounts only available for greater than $3,000. Any stated APR represents the cost of credit as an estimated yearly rate, and each applicant’s specific interest rates and fees are determined as permitted under federal or state law (as applicable) based upon loan amount, term, the applicant’s ability to meet specific credit criteria including, but not limited to, credit history at the time of application, income, debt payment obligations, and other factors such as availability of collateral, and state of residency for Mariner-originated loans. 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 loan by phone and/or online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing. APR ranges from 15.99% to 35.99%. Loan terms range from 12 to 72 months. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 30.99% and an interest rate of 27.98%, which includes a finance charge of $3,779.68. Under these terms, the borrower would make 48 monthly payments of $182.91, for a total of payments of $8,779.68. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.

**Mariner Finance’s 15-Day Satisfaction Guarantee provides that if, for any reason, you inform us that you are dissatisfied with your loan and you repay it in full within 15 days of the date of the loan in the form of certified funds, all finance charges will be waived with no penalties. A cancellation of your Mariner Finance loan will not impact, affect, and/or cancel the terms of any purchase of a vehicle or other item(s) with the proceeds of your loan. Additionally, your return to the dealer or seller of any vehicle or other item(s) purchased with your loan proceeds will not constitute a cancellation of your Mariner Finance loan.

The post What Is the Difference Between APR, Interest Rate, and Finance Charge? appeared first on Mariner Finance.

BALTIMORE, MD – July 13, 2026 – Mariner Finance today announced the creation of its new Chief AI and Data Officer role and the appointment of Swamy Ramajayam to lead the company’s enterprise data and artificial intelligence strategy, effective July 13, 2026.

Reporting to Chief Risk Officer Rob Hunt, Ramajayam will be responsible for modernizing and streamlining Mariner Finance’s data infrastructure, enabling the organization to leverage data more effectively across the business. He will also lead the company’s AI strategy, identifying opportunities to responsibly apply artificial intelligence to enhance operational efficiency, improve decision-making, and better serve customers. He will be based in Mariner Finance’s Plano, Texas office.

“At Mariner Finance, we’re committed to making strategic investments that strengthen our ability to serve our customers today while preparing for the future,” said Josh Johnson, Chief Executive Officer. “The creation of our Chief AI and Data Officer role reflects the importance of data and artificial intelligence to our long-term strategy. Swamy is an accomplished leader with a proven track record of transforming enterprise data organizations and responsibly advancing AI capabilities. His expertise will help us build a stronger data foundation, accelerate innovation, and deliver even greater value for our customers, team members, and business.”

Ramajayam brings more than 18 years of experience leading enterprise data strategy, analytics, governance, and AI transformation initiatives across the financial services and technology sectors. Most recently, he served as Director and Head of People Data Strategy, Architecture & AI Foundations at Meta. Previously, he held senior leadership positions at Ally Financial, Charles Schwab, Capital One, IBM, and Tata Consultancy Services.

Ramajayam will lead the continued evolution of Mariner Finance’s enterprise data and AI capabilities. Over the coming weeks, the company’s Data and AI teams will be aligned under his leadership to accelerate innovation, strengthen data governance, and advance strategic initiatives across the organization.

About Mariner Finance

Mariner Finance, LLC is a leading consumer finance company dedicated to helping customers responsibly achieve their financial goals. With a nationwide network of branches and digital lending capabilities, Mariner Finance provides personal loans and related financial solutions to meet a variety of borrowing needs, including debt consolidation, home improvements, unexpected expenses, and major purchases.

Founded in 2002, Mariner Finance combines personalized service with innovative technology to deliver a seamless customer experience. The company is committed to responsible lending practices, operational excellence, and building long-term customer relationships by providing accessible financial solutions tailored to individual circumstances.

As Mariner Finance continues to invest in digital transformation, advanced analytics, and artificial intelligence, the company remains focused on enhancing customer experiences, empowering its team members, and driving innovation that supports sustainable growth while maintaining the highest standards of compliance, security, and customer care.

For more information, visit www.marinerfinance.com

The post Mariner Finance Creates Chief AI and Data Officer Role, Appoints Swamy Ramajayam appeared first on Mariner Finance.

• Most lenders require a government-issued photo ID, your Social Security number or ITIN, proof of address, and proof of income to begin a personal loan application.
• If you’re self-employed, you may be able to use tax returns, bank statements, or other business records instead of pay stubs.
• You can apply online, by phone, or in a branch, but the basic document requirements are usually similar.

Getting approved for a personal loan usually starts by showing a lender three things: who you are, where you live, and your ability to repay what you borrow.  A personal loan is a type of installment loan that lets you borrow a set amount and repay it in fixed payments over time.  The documents you provide, along with your credit history, typically helps the lender decide whether to approve you and for how much.

Below is a brief look at the documents you may need when you’re ready to apply for a personal loan. Every lender is different and the list below is intended as a general guide. It is best to check with the lender directly for their specific requirements. Gathering these documents in advance can help make the application process smoother and more efficient.

General Loan Application Checklist

• A government-issued photo ID, like a driver’s license, state ID, or passport
• Your Social Security number or Individual Taxpayer Identification Number (ITIN )
• Proof of your current home address, like a recent utility bill or lease
• Recent proof of income, like pay stubs, W-2s, or tax returns
• Bank account details for receiving your funds

Proof of Identity  

Lenders need to confirm that you are who you say you are. This typically means you will need to provide a government-issued photo ID, like a driver’s license, state ID, or passport   . Social Security Number or ITIN  may also be required. Having at least two forms of identification readily available can help make the application process efficient.

Proof of Address   

Lenders could also inquire about your residence. Records with your name and current address are generally acceptable, including: a recent utility bill, a housing lease agreement, or mortgage statement. These documents help lenders further confirm your identity and determine where to send applicable loan paperwork.

Proof of Income  

Since personal loans are not always backed by collateral , lenders often use a person’s income to gauge what they can comfortably borrow . Pay stubs, W-2s, tax returns, or bank statements can all serve as proof of income.  Two most recent pay stubs are sometimes enough, but some lenders may require additional verification.

Documents for Self-Employed Applicants

If you work for yourself, you might not have a pay stub from an employer. Lenders usually accept other records instead, like your tax returns, or a few months of business bank statements.    Together, those can show a fuller picture of when your income rises and dips from month to month. This is important since you must be able to show a lender that you have the ability to repay what you borrow.

What Lenders Consider for Approval

In addition to  the documents discussed above,, lenders typically rely  on past credit history to make loan approval decisions.   If your loan application is approved, the amount you qualify for and the interest rate you receive may depend on several factors, including your income, payment history, and existing debt. A steady income, history of making on-time payments, and  lower existing debt may improve your chances of  approval and help you qualify for a more favorable  interest rate.

How You Can Apply for a Personal Loan

Most lenders let you apply in more than one way, and you’ll typically need the same documents no matter which you pick. What differs is how you submit the documents and how much personal support you’d like along the way. The table below shows  the three common loan application options.

How Your Information Is Protected

Loan applications generally require that you share sensitive personal details, so it is reasonable that you wonder what happens to your information. The Gramm-Leach-Bliley Act requires financial companies to explain how they protect and share your information. Most lenders give you a privacy notice that lays out what they collect and, sometimes, how to opt out of certain data sharing.    You may request a lender’s privacy notice, or similar information before you submit your application.

Frequently  Asked Questions

What documents do I need to apply for a personal loan?

You’ll usually need a government-issued photo ID, your Social Security number, proof of address, and proof of income, such as pay stubs or tax forms. The required document list can vary from one lender to the next.

What do lenders look at to approve a personal loan?

Besides your documents, lenders usually look at your credit history, your income, and how much you already owe. Stronger credit and steady income may improve your chances and could lead to better terms.

Can I get a personal loan if I am self-employed?

Yes. If you’re self-employed, you can usually show your income another way, like tax returns or a few months of recent bank statements.

A Note About Lender Requirements

Every lender is a little different, and what they ask for can depend on your situation.  The list above is meant as a general guide to what you might need. For the details on a specific loan, it’s best to check with the lender directly.

Exploring  Your Options with Mariner Finance

If you’re considering a personal loan , Mariner Finance could help. Check your loan offers online, contact us at 1-877-310-2373, or visit a branch location to explore what’s available.* Be sure to ask about our 15-day satisfaction guarantee.**

The information provided in this article does not constitute financial advice and is provided for educational purposes only without any express or implied warranty of any kind. This article is not intended as legal, tax, investment, or any other advice, and Mariner Finance does not offer credit repair services. Consider talking with an appropriate qualified professional for specific advice. Blog posts are for informational purposes only.

* Mariner Finance, LLC (“Mariner”) and/or WebBank, as applicable, (collectively “Lender,” “we,” or “us,” as applicable) offers personal loans from $1,000 to $25,000, with minimum and maximum amounts dependent on the underwriting of the loan and subject to applicant’s satisfaction of eligibility requirements and approval by Lender, and an applicant’s state of residence for Mariner-originated loans. Terms and conditions apply.

Online loans between $1,500 and $14,000, originated by WebBank, except online loans in CA and MD originated by Mariner Finance, LLC. Loans greater than $14,000 or less than $1,500 may be originated by Mariner through Mariner’s branch network. For GA residents, online and in-branch loan amounts only available for greater than $3,000. Any stated APR represents the cost of credit as an estimated yearly rate, and each applicant’s specific interest rates and fees are determined as permitted under federal or state law (as applicable) based upon loan amount, term, the applicant’s ability to meet specific credit criteria including, but not limited to, credit history at the time of application, income, debt payment obligations, and other factors such as availability of collateral, and state of residency for Mariner-originated loans. 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 loan by phone and/or online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing. APR ranges from 15.99% to 35.99%. Loan terms range from 12 to 72 months. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 30.99% and an interest rate of 27.98%, which includes a finance charge of $3,779.68. Under these terms, the borrower would make 48 monthly payments of $182.91, for a total of payments of $8,779.68. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.

**Mariner Finance’s 15-Day Satisfaction Guarantee provides that if, for any reason, you inform us that you are dissatisfied with your loan and you repay it in full within 15 days of the date of the loan in the form of certified funds, all finance charges will be waived with no penalties. A cancellation of your Mariner Finance loan will not impact, affect, and/or cancel the terms of any purchase of a vehicle or other item(s) with the proceeds of your loan. Additionally, your return to the dealer or seller of any vehicle or other item(s) purchased with your loan proceeds will not constitute a cancellation of your Mariner Finance loan.

The post What Do You Need to Apply for a Personal Loan? appeared first on Mariner Finance.

Customers can still pay with cash at participating retail locations without paying a fee.

Here’s a closer look at the payment methods available to you:

Check, Money Order, or Debit Card

You can still bring your check, money order, or debit card to the branch to make a payment.  Check or money orders can also be mailed to:

Mariner Finance

P.O. Box 44490

Nottingham, MD 21236

(Please include account number on your check or money order )

Autopay

Want to avoid remembering due dates? Autopay is your easiest option—set it up once, and you’re done.
Enroll through the Customer Account Center: https://loans.marinerfinance.com/login

Online Payments

Make your payment anytime, from anywhere. You can make a one-time payment or schedule one in advance by logging in to your account in the Customer Account Center: https://loans.marinerfinance.com/login

Pay-by-Phone

Prefer talking with a local team member? Call your branch during business hours to make a payment from your bank account.*

6. Pay Cash at a Participating Retailer- A new way to make your payment

Call or come into the branch, and we will walk you through the process of making a payment at a nearby retailer. Participating retailers include Walmart®, Dollar General®, CVS®, Walgreens®, Kroger®, Ace Cash Express®, 7-Eleven®, Casey’s General Store®, and Family Dollar®

While change can take some getting used to, we’re here to support you. If you’d like help choosing the best payment option for your routine, your local branch team is ready to assist.

*Subject to certain state restrictions, additional fees may apply when using a debit card to make a one-time payment. Other one-time payment options are always available to you that will not result in additional fees, which may include making a payment online through your Customer Account Center account, making an in-person payment at a branch, or making a payment by mail.

The post Planning Your Next Payment? Here’s What You Need to Know About Our Upcoming Cash Payment Update appeared first on Mariner Finance.

An offer for a personal loan through Mariner Finance had arrived in her mailbox, but she hadn’t acted on it.

~ ~ ~ ~ ~

“One night, I felt this need to do something,” Sally recalls. “And just the thought of skydiving popped into my head. And it was enough of a thought for me to actually book it.”

She scheduled a tandem jump. Seven more tandem jumps followed in the same month.

“It was so exhilarating. I couldn’t get enough of it.”

Sally remembered the offer through Mariner Finance. Becoming a certified solo skydiver wasn’t going to happen on its own. There was training to pay for, licensing fees, and the cost of purchasing her own equipment if she wanted to keep at it.

“That’s when Mariner Finance’s helped me,” she says. “They made the whole loan process so simple and easy.”

Sally’s loan proceeds covered both her training and equipment.

Today, Sally is a regular at Skydive Sussex with her own license, her own logbook, and gear she chose herself.

“It’s so hard to put into words how much skydiving has changed my life, changed me as a person,” she says. “I’ve become more confident. Fearless.”

The loan made the dream possible.

“I can’t ask anything more from myself than what I’ve accomplished so far.”

About Sally

Sally Palermo used the personal loan through  Mariner Finance to help fund her training, licensing, and equipment that took her from her first tandem jump to certified solo skydiver. She credits the sport and the loan that helped make it possible with reshaping her sense of what she’s capable of.

At Mariner Finance, we’re proud to be part of stories like Sally’s.

Real customers. Real dreams.

~ ~ ~ ~ ~

If you are looking into personal loan options, Mariner Finance could help.^* Check your loan offers online, contact us at 1-877-310-2373, or visit a branch location to explore what’s available. Be sure to ask about our 15-day satisfaction guarantee.^**

The information provided in this article does not constitute financial advice and is provided for educational purposes only without any express or implied warranty of any kind. This article is not intended as legal, tax, investment, or any other advice, and Mariner Finance does not offer credit repair services. Consider talking with an appropriate qualified professional for specific advice. Blog posts are for informational purposes only.

^*Mariner Finance, LLC (“Mariner”) and/or WebBank, as applicable, (collectively “Lender,” “we,” or “us,” as applicable) offers personal loans from $1,000 to $25,000, with minimum and maximum amounts dependent on the underwriting of the loan and subject to applicant’s satisfaction of eligibility requirements and approval by Lender, and an applicant’s state of residence for Mariner-originated loans. Terms and conditions apply.

Online loans between $1,500 and $14,000, originated by WebBank, except online loans in CA and MD originated by Mariner Finance, LLC. Loans greater than $14,000 or less than $1,500 may be originated by Mariner through Mariner’s branch network. For GA residents, online and in-branch loan amounts only available for greater than $3,000. Any stated APR represents the cost of credit as an estimated yearly rate, and each applicant’s specific interest rates and fees are determined as permitted under federal or state law (as applicable) based upon loan amount, term, the applicant’s ability to meet specific credit criteria including, but not limited to, credit history at the time of application, income, debt payment obligations, and other factors such as availability of collateral, and state of residency for Mariner-originated loans. 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 loan by phone and/or online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing. APR ranges from 15.99% to 35.99%. Loan terms range from 12 to 72 months. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 30.99% and an interest rate of 27.98%, which includes a finance charge of $3,779.68. Under these terms, the borrower would make 48 monthly payments of $182.91, for a total of payments of $8,779.68. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.

^**Mariner Finance’s 15-Day Satisfaction Guarantee provides that if, for any reason, you inform us that you are dissatisfied with your loan and you repay it in full within 15 days of the date of the loan in the form of cash or certified funds, all finance charges will be waived with no penalties. A cancellation of your Mariner Finance loan will not impact, affect, and/or cancel the terms of any purchase of a vehicle or other item(s) with the proceeds of your loan. Additionally, your return to the dealer or seller of any vehicle or other item(s) purchased with your loan proceeds will not constitute a cancellation of your Mariner Finance loan.

The post From Tandem Passenger to Skydiver appeared first on Mariner Finance.

Soft Pulls vs. Hard Pulls

Soft pulls and hard pulls are both credit inquiries, but they differ in how they happen and how they may affect your credit score. Hard pulls typically occur, for example, when you formally apply for credit for a mortgage, an auto loan, or a credit card, and they may temporarily lower your credit score by a few points. Soft pulls, by contrast, can generally be conducted without you formally applying for credit. Soft pulls typically leave your credit score untouched.

The table below describes some of the primary differences.

¹ myFICO – How Soft vs Hard Pull Credit

² CFPB – What is a credit inquiry?

³myFICO – The Timing of Hard Credit Inquiries

⁴ Experian – Can Someone Check My Credit Without Permission?

Prequalification for a loan or credit using a soft pull may not lower your credit score, but a final credit approval almost always requires a hard pull that may impact your score. For every engagement, it is helpful to confirm the type of credit pull the entity seeks to conduct. For example, you may think a lender will only perform a soft pull and that may not be the case.

How Soft Pulls Affect Your Credit Score

Soft pulls typically do not affect your credit score because they are not tied to a new credit application. According to Experian, major scoring models like FICO and VantageScore generally ignore soft inquiries when calculating your score, even when many appear on your report.

Benefits of Soft Pulls

Soft pulls let you or authorized parties review your credit information without affecting your credit score. For example, you might see soft pulls when you check your own credit report, review prequalification offers, or compare loan terms before formally applying. This gives you a way to gather information and shop around, while limiting the impact on your score.

A Note About Credit Reports

Credit reporting practices and scoring models can vary between the three major credit bureaus — i.e. Equifax, Experian, and TransUnion — and individual circumstances. The information above is meant to give you a general idea of how soft credit checks typically work. You can learn more about credit reports, including how to avoid credit report scams, by visiting FTC (Consumer Advice). For questions about your credit report or a particular inquiry, consider reaching out to the credit bureau directly or a credit counselor.

Frequently Asked Questions

How can I get a free soft pull credit report?

One option for checking your own credit might be AnnualCreditReport.com, the only site authorized by federal law for free credit reports from the three major credit bureaus. If you are considering a loan refinance, for example, you could pull your report ahead of time to spot any errors and get a clearer sense of where you stand before talking to lenders.

What information is included in a soft pull credit report?

A soft pull typically shows the same kinds of information that appear on your credit report, such as open and closed credit accounts, payment history, public records (bankruptcies), and a list of credit inquiries already on file. Soft credit inquiry logs are usually only visible to the person named on the credit report and are not shared with others.

What are the uses of a soft pull credit inquiry?

Common examples include checking your own credit report, prequalifying for a loan or credit card, employer background screening, insurance quotes, and account reviews by your current lenders.

Exploring Your Options with Mariner Finance

If you are looking into personal loan options, Mariner Finance could help. Check your loan offers online, contact us at 1-877-310-2373, or visit a branch location to explore what’s available.* Be sure to ask about our 15-day satisfaction guarantee.**

Mariner Finance, LLC (“Mariner”) and/or WebBank, as applicable, (collectively “Lender,” “we,” or “us,” as applicable) offers personal loans from $1,000 to $25,000, with minimum and maximum amounts dependent on the underwriting of the loan and subject to applicant’s satisfaction of eligibility requirements and approval by Lender, and an applicant’s state of residence for Mariner-originated loans. Terms and conditions apply.

*Online loans between $1,500 and $14,000, originated by WebBank, except online loans in CA and MD originated by Mariner Finance, LLC. Loans greater than $14,000 or less than $1,500 may be originated by Mariner through Mariner’s branch network. Any stated APR represents the cost of credit as an estimated yearly rate, and each applicant’s specific interest rates and fees are determined as permitted under federal or state law (as applicable) based upon loan amount, term, the applicant’s ability to meet specific credit criteria including, but not limited to, credit history at the time of application, income, debt payment obligations, and other factors such as availability of collateral, and state of residency for Mariner-originated loans. 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 loan by phone and/or online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.

**Mariner Finance’s 15-Day Satisfaction Guarantee provides that if, for any reason, you inform us that you are dissatisfied with your loan and you repay it in full within 15 days of the date of the loan in the form of certified funds, all finance charges will be waived with no penalties. A cancellation of your Mariner Finance loan will not impact, affect, and/or cancel the terms of any purchase of a vehicle or other item(s) with the proceeds of your loan. Additionally, your return to the dealer or seller of any vehicle or other item(s) purchased with your loan proceeds will not constitute a cancellation of your Mariner Finance loan.

The post Understanding Soft Credit Checks appeared first on Mariner Finance.

If you received a check from Mariner Finance by mail, Congratulations! You received this check because of your credit history.  To receive your funds, take the check to your bank and cash or deposit it, or deposit it with your mobile device at your earliest convenience!*

No lines. No waiting. Simply deposit or cash your check.

If, for any reason, you are dissatisfied with your loan, we offer a 15-day satisfaction guarantee!†

How does it work?

It’s as easy as 3 steps…

1. Read the loan agreement.  Before cashing the check be sure to read the loan agreement and disclosure statements included in the mailing. This information provides all of the terms of the loan.  Keep this information for your records. Cashing or depositing the check constitutes a loan transaction that you will be obligated to repay.
2. Fill out and sign the back of the check. If you agree to the terms and want to take out the loan, provide the requested information and sign the back of the check!
3. Deposit or cash the check to receive the loan proceeds!

Who is Mariner Finance?

Since 1927, the Mariner Finance family of companies have provided individually tailored and convenient lending options to its customers with the goal of pairing them with a personal loan that meets their immediate needs. At the core of Mariner Finance is the principle that superior customer service will build lasting relationships. Our experienced team members take pride in finding options that are beneficial to each customer’s specific needs and are ready to assist you.  Superior customer service is the reason for our continued success and why we are recognized by our customers as the community’s consumer finance company of choice.

Who cashes Mariner Finance checks? Customer Stories

“The loan check arrived in the mail just when I had been advised that my car needed some serious unexpected repairs. At the time I had no idea how I was going to pay for repairs on my own so I took a chance and deposited the Mariners check into my account.”

– Brenda

“It was just what I needed at that very moment! I was not stressing over will I qualify for a loan. No one was pressuring me. I took the time to read the fine print and time to look at my ability to repay the loan. I put it away and reviewed my options.”

– Patricia

Frequently asked questions about Mariner Finance checks?

Q. I received a check from Mariner Finance, is it real?

A. Yes, Mariner Finance does send live checks to pre-screened, qualified individuals. Although we cannot guarantee the authenticity of all checks you may receive via mail, simply call the branch phone number on the letter with the check to verify that it is real.

Q. Where can I cash a check that I have received from your company?

A. You can deposit the check in your bank account or cash with your bank or at any other business that cashes checks. If you would like to request more money, simply call or visit your local branch. They may be able to help you obtain additional funds. **

Q.If I pay my loan off early do I have to pay interest for the entire length of the loan?

A. No, you only pay interest until the loan is paid-in-full.

Q. If I’m not interested in the check what should I do?

A. If you do not plan on cashing this check, please destroy it.

Still have questions?

Your local branch is happy to answer questions you may have. Find a branch near you or call 844-306-7300.

Hours: 9am – 5pm ET (Monday – Friday)
(Extended Hours: 7 p.m. on Tuesday and 5:30 p.m. on Friday)

*We have the right to stop payment on the check if you have opened or renewed a loan with us within 60 days prior to the date of the check.

Prohibited Use of Proceeds – Loan proceeds may not be used for business or commercial purposes, to finance direct post-secondary education expenses, for purchase of securities, for gambling or any illegal purpose.

**Additional credit or other loan amounts are subject to normal lending requirements.

†Mariner Finance’s 15-Day Satisfaction Guarantee provides that if, for any reason, you inform us that you are dissatisfied with your loan and you repay it in full within 15 days of the date of the loan in the form of certified funds, all finance charges will be waived with no penalties. A cancellation of your Mariner Finance loan will not impact, affect, and/or cancel the terms of any purchase of a vehicle or other item(s) with the proceeds of your loan. Additionally, your return to the dealer or seller of any vehicle or other item(s) purchased with your loan proceeds will not constitute a cancellation of your Mariner Finance loan.

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With predictable payments and a clear payoff timeline, you could keep life moving while you make real progress toward what matters. Whatever your project looks like, there’s little reason to wait.

Move Forward Without Pressure

When applying with Mariner Finance, the process begins with a soft credit pull, which won’t affect your credit score.* You can review available offers and see which options fit your budget. There’s no obligation to accept anything, and you’ll be able to see loan amounts, estimated interest rates, and payment terms before deciding whether to move forward.

If you’ve been putting off a project because you weren’t sure what you could qualify for, or whether financing was even a realistic option, this step could give you a clearer picture in just a few minutes. You can check your eligibility from home, then take as much time as you need to think things over.

Move Forward with Flexibility

If you’re carrying balances across multiple accounts while also thinking about tackling a spring project, consolidation** could help you focus on your home without falling behind on bills. Maybe it’s finally repainting the bedrooms, replacing aging outdoor furniture, or addressing the plumbing issue you’ve been working around. When your monthly obligations feel more manageable, it’s easier to make room for the things that improve your day-to-day life.

Move Forward with Confidence

A Mariner Finance personal loan offers fixed monthly payments and a clear payoff date, so you know what to expect from the start.*** That consistency could make it easier to plan around a home project, especially when the costs aren’t always predictable. According to House Beautiful, homeowners usually go 10 to 15 percent over budget during renovations. Having a payment that doesn’t shift from month to month could help you handle those surprises without throwing off the rest of your finances.

Whether you’re considering new flooring, a kitchen update, or a larger repair you’ve been putting off, knowing your exact monthly commitment from day one can make the whole process feel more manageable. Rates vary depending on your credit profile and loan terms, but the fixed structure of an installment loan means the rate you lock in at the start stays the same through your final payment.

Move Forward with a Team Behind You

When questions come up, a Mariner team member is ready to listen, explain your options, and help you take the next step. Spring projects often involve more than picking a paint color. You’ll make decisions about how much to borrow, which repayment schedule works best, and how to balance a renovation with the rest of your monthly budget.

According to This Old House, 17 percent of homeowners who planned renovations in 2025 intended to use a personal loan to cover the cost. If that’s something you’re considering, your local branch team could help you figure out what makes sense for your situation, whether that’s a new project, debt consolidation, or both.

A Note About Home Improvement Costs

Material prices, labor rates, and contractor availability vary widely depending on where you live and the scope of your project. The information above is meant as general tips to help you think through your spring home plans. For project-specific estimates, consider getting quotes from local professionals or visiting nearby home improvement stores for current pricing.

Getting Started

If a spring project is on your mind, a personal loan might help you move forward. Check your loan offers online, contact us at 1-877-310-2373, or visit a branch location to explore what’s available. Be sure to ask about our 15-day satisfaction guarantee.****

*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and accept a loan offer, Lender will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.

**When refinancing your existing debts, the total finance charges over the life of the new loan may be higher than for your current debts if you have a higher interest rate and/or a longer term. Loans may also include origination fees, which may reduce funds available to pay off other debts.
***The offer presented is a conditional offer and does not constitute an actual commitment to lend or an offer to extend credit. Mariner Finance, LLC offers personal loans from $1,000 to $25,000. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan.
**** Mariner Finance’s 15-Day Satisfaction Guarantee provides that if, for any reason, you inform us that you are dissatisfied with your loan and you repay it in full within 15 days of the date of the loan in the form of certified funds, all finance charges will be waived with no penalties. A cancellation of your Mariner Finance loan will not impact, affect, and/or cancel the terms of any purchase of a vehicle or other item(s) with the proceeds of your loan. Additionally, your return to the dealer or seller of any vehicle or other item(s) purchased with your loan proceeds will not constitute a cancellation of your Mariner Finance loan.

The post Spring Home Projects on a Budget appeared first on Mariner Finance.

Below are some notable areas to review on your property tax statement.

1. Check Your Assessed Value

Your assessed value is the dollar amount your local government assigns to your property for tax purposes. Some localities or jurisdictions apply an assessment ratio, meaning only a percentage of your home’s market value is taxed. If your statement shows an assessed value that seems unusually high, you could compare it to your most recent appraisal or look at recent sales of similar homes nearby.

To find comparable sales, consider checking your county assessor’s website or reaching out to a local real estate professional. If the assessed value on your statement appears incorrect, you may be able to request a review or file an appeal with your local assessor’s office.

2. Check Your Exemptions and Credits

Many locations offer exemptions that could reduce the portion of your home’s value that gets taxed. Common options might include homestead exemptions for primary homes, as well as exemptions for veterans, seniors, or people with disabilities.

If you previously qualified for an exemption, check to see if it still appears on your current statement. If the exemption you expected no longer appears on your tax statement, consider contacting your local assessor’s office to confirm whether you still qualify.

3. Confirm the Tax Year and Location

Your property tax statement lists the assessment year and the taxing jurisdiction responsible for your bill. Errors in either area could result in incorrect calculations.

Check that the tax year matches the period you expect to be paying for. Also, verify the location listed. This could be your county, city, township, or school district. Mismatches may occur due to clerical errors or outdated records.

If something looks off, consider reaching out to your county treasurer’s office or local tax authority to clarify any concerns or questions.

4. Review the Tax Rate or Levy

Your tax rate tells you how much you owe for each dollar of assessed value. This rate, sometimes called a millage rate, could change from year to year based on local budget decisions, voter-approved measures, or changes in how your area funds schools, roads, or emergency services.

Even if your home’s assessed value stays the same, a rate increase could raise your bill. Your tax statement typically breaks down the rates charged by different taxing groups, which could include your county, city, school district, and any special districts.

If you notice a significant jump compared to prior years, you could contact your local tax office for a detailed explanation.

5. Look for Special Assessments or Fees

Beyond the standard property tax, your statement may include line items for special assessments or additional fees. These charges typically fund specific local improvements or services, which could include things like sidewalk repairs, stormwater drainage, sewer upgrades, street lighting, or school bonds.

Special assessments differ from general property taxes because they target properties that directly benefit from a particular project. The amounts and terms vary widely by location. Some assessments are one-time charges, while others may be spread over several years.

If you see an unfamiliar fee, consider checking with your local tax office or city clerk. In some cases, special assessments may be appealed separately from your overall property tax bill.

A Note About Tax Rules

Property tax statements and the rules behind them vary widely across states, counties, and cities. The information above offers general guidance, but your local practices may differ. For questions about specific charges on your statement, payments, or your options for requesting corrections, consider reaching out to your local assessor’s office or a tax professional.

If you’re looking at a property tax bill that’s higher than expected, a personal loan might help or free up cash for other expenses. Check your loan offers online, contact us at 877.310.2373, or visit a branch location to explore options that could work for your situation.

The post Reviewing your Property Tax Statement appeared first on Mariner Finance.