Consumer finance company founded in 2002 offering personal loans up to $25,000 to near-prime borrowers through 500+ branches across 28 states.
Mariner Finance is a consumer finance company founded in 2002 that provides personal loans of up to $25,000 to near-prime credit customers - borrowers who may not qualify for traditional bank loans. Its product line includes personal, debt consolidation, home improvement, vacation, wedding and auto loans. The firm operates on a high-touch, relationship-based lending model, combining an online application process that can be completed in minutes with a physical branch network of over 500 locations across 28 states.
The company serves more than 650,000 customers and manages upwards of $2 billion in loans. It is privately held, with ownership by the private equity firm Warburg Pincus. Its stated approach pairs digital convenience with in-person service, a structure intended to make credit accessible to borrowers underserved by mainstream lenders.
Mariner Finance's technology work spans a digital lending platform, online loan application processing and soft credit inquiry technology, which allows customers to receive loan offers without an impact on their credit scores. Customer-facing policies include a 15-day satisfaction guarantee under which borrowers may return funds with no fees if they are dissatisfied.
