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 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 Mariner Finance check in the mail? appeared first on Mariner Finance.

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 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 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.

There are some simple ways to estimate what you might owe. Keep in mind that property tax rules vary widely by state, county, and city. The steps below offer general guidance, but your local rules may be different.

1. Find Your Assessed Value

Your assessed value is the dollar amount your local government assigns to your property for tax purposes. This number is often different from fair market value, which is what your home might sell for on the open market. Some areas only tax a portion of your home’s market value. This is called an “assessment ratio.”  For example, if your home is worth $300,000 and your area uses a 50% ratio, your assessed value could be $150,000. But not all areas use this method.

Knowing your assessed value is the first step in estimating your property tax. To find yours, try searching your county assessor’s website using your address or parcel number. You could also call your local tax office. They could tell you your current assessed value and whether your area uses a ratio.

2. Look Up Your Tax Rate

Your tax rate tells you how much you owe for each dollar of assessed value. In some areas of the country, this is called a “millage rate.” In many places, several groups set their own rates, like your county, city, and school district. The rates are then added together to create one total rate. This total might be shown as a percentage or shown in “mills.” One mill equals $1 in tax for every $1,000 of assessed value .

Tax rates vary widely by location. To find yours before your bill arrives, check your county treasurer’s website or call your local tax office.

3. Apply a Simple Formula

Once you have your assessed value and tax rate, you can estimate your property tax. If your rate is shown as a percentage, turn it into a decimal and multiply. For example, 2% becomes 0.02, so you’d multiply your assessed value by 0.02.

If your rate is shown in mills, divide your assessed value by 1,000, then multiply by the mill rate.

Here’s an example. Say your assessed value is $200,000 and your mill rate is 25. First, divide $200,000 by 1,000, which gives you $200. Then multiply $200 by 25, which gives you $5,000. In this case, your estimated annual property tax would be about $5,000.

Your actual bill’s calculation could be higher or lower based on local factors or differing methods for calculating the tax.

4. Check for Possible Exemptions

Some locations offer exemptions that lower your tax bill by reducing the portion of your home’s value that gets taxed. Common exemptions could include homestead exemptions for primary homes, as well as exemptions for veterans, seniors, or people with disabilities. These programs vary by location. These exemptions are not available everywhere, and the amounts can differ.

For example, if you qualify for a $50,000 exemption on a home assessed at $200,000, you might only pay taxes on $150,000. Check with your local assessor’s office to find out what exemptions might be available in your area and how to apply.

5. Review Your Numbers Yearly

Your property tax could change every year. Assessed values and tax rates go up and down based on local home prices, improvements you make to your home, or local budget decisions. For example, if your assessed value rises from $200,000 to $220,000 with the same tax rate, your tax bill would likely be higher. Checking these numbers once a year could help you plan ahead and avoid surprises.

A Note About Tax Rules

Property tax laws vary widely across states, counties, and cities. The information above is meant to give you a general idea of how property taxes often work. Your local rules may be different. For questions about your specific situation, consider reaching out to your local tax office or a tax professional.

If you’re facing a larger-than-expected bill, a personal loan might help or free up cash for other home projects. Check your loan offers online, contact us at 844.338.2080, or visit a branch location to talk through options that might work for your situation.

The post Estimating Your Property Tax appeared first on Mariner Finance.

What is a debt settlement company?

A debt settlement company is a business that offers debt assistance and options to consumers. These options may include negotiating with creditors to reduce the amount you owe. They could also offer to contact creditors on your behalf and ask them to accept a smaller payment to clear your debt.

Here is some additional information to know before using a debt settlement company:

1. Can Debt Settlement Negatively Impact Your Credit Score?

Debt settlement companies often advise consumers to stop making payments so they can negotiate with creditors and collect funds for a lump-sum offer to the creditor. However, missed payments can trigger late fees and be reported to credit bureaus after 30 days, which could impact a credit score. Plus, settled accounts typically show as a negative mark ‘Paid less than full amount’ on credit reports. This negative mark can appear on your report for up to seven years, making it harder to qualify for new credit.

2. Can Debt Settlement Companies Charge You High Fees?

Yes, debt settlement companies can charge high fees that can add to your financial burden. Using a debt settlement company may cost an additional 20 to 25 percent of your debt in various fees. For example, if you owe $10,000, you could pay up to $2,500 just in fees to the debt settlement company.

3. Could Working with a Debt Settlement Company Not Resolve your Debt?

Yes. Creditors can simply refuse to work with debt settlement companies, and in other cases, the debt settlement company won’t be able to settle all of your debts. The debt settlement industry admits that about 25 percent of customers don’t settle any accounts at all, meaning time and money is spent with no results. Even if some debts are settled, any of your remaining unpaid debt continues to accrue late fees and interest that can erase any potential savings.

4. What Are Common Scams Used by Debt Settlement Companies?

Some debt settlement companies may try to deceive consumers with substantial credit card debt. The companies promise to negotiate with creditors to lower your payments or reduce your debt. However, some of these companies are scammers that often charge a big fee upfront and then do little or nothing to actually help. These companies even use robocalls to contact people, even those on the Do-Not-Call List.

The FTC has taken legal action against many of these fake debt relief and credit repair companies, often teaming up with state agencies to stop them.

5. Can You End Up Owing More Money After Debt Settlement?

Debt settlement might leave you owing more than when you started because when you stop making payments during negotiation,  late fees and interest can accumulate every month. In addition, debt settlement companies typically charge fees for services, which can add to your total amount owed.

You Have Other Options

Consider other alternatives:

Contact Your Lenders Directly

Start by calling your lenders to discuss your situation. Speaking with them personally offers you more control and can help avoid unnecessary costs and risks associated with third-party debt settlement companies. Many lenders offer hardship or financial assistance programs to customers who have trouble making payments. For example, if you have a loan with Mariner Finance, we can review your account and develop a plan based on your specific needs.*

Consider Non-Profit Credit Counseling

Often confused with debt settlement companies, non-profit credit counseling agencies also provide a range of helpful resources and services, including working with creditors. Some certified credit counselors could help you lower your monthly payments, reduce interest rates, and teach you how to manage debt and improve your credit. Reputable agencies typically charge low enrollment and service fees. In some cases, they may be willing to waive their fees.

Working directly with lenders or trusted credit counselors could help you avoid the risks of using debt settlement companies.

If you have a Mariner Finance loan, our customer support team can help you find solutions that work for your situation.* †† Don’t let money stress push you toward choices that could make things worse. Contact us at 844.338.2080 or visit a branch location for assistance.

*Online loans between $1,500 and $14,000, originated by WebBank, except online loans in CA, MD, NJ, and VA originated by Mariner Finance, LLC, or its affiliate, as applicable. 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.

††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.

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The kits contained a journal, flashcards, whiteboards, piggy banks, workbooks, and calculators. Team members also wrote encouraging notes about money management and financial responsibility.

Mariner’s support of community access to financial literacy helps foster long-lasting relationships in our local areas. Investing time into teaching young adults financial skills helps build strong communities from the ground up.

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About Mariner Finance

Since 1927, the Mariner Finance family of companies has 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. Mariner Finance provides hard-working consumers responsible access to credit through respectful, compassionate, and efficient service. Our experienced team members take pride in finding options that are beneficial to each customer’s specific needs and are ready to assist every customer. 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.

About the American Heart Association

The American Heart Association is a relentless force for a world of longer, healthier lives. We are dedicated to ensuring equitable health in all communities. Through collaboration with numerous organizations, and powered by millions of volunteers, we fund innovative research, advocate for the public’s health and share lifesaving resources. The Dallas-based organization has been a leading source of health information for a century. During 2024 — our Centennial year — we celebrate our rich 100-year history and accomplishments. As we forge ahead into our second century of bold discovery and impact our vision is to advance health and hope for everyone, everywhere. Connect with us on heart.org, Facebook, X or by calling 1-800-AHA-USA1.

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