Combine
and Conquer

Combine
and Conquer

Streamline your debt
with a loan for debt consolidation.

If you have multiple debts from a variety of sources—such as wedding expenses, credit card bills, and large purchases—we can work with you to find the best way to consolidate debt to lower your payments. If you simply want to learn a little bit more about debt consolidation loans, that’s fine too. Here you’ll discover what a debt consolidation loan is and answers to commonly asked questions. You can also simply apply online for a debt consolidation loan.

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What is debt consolidation?

Debt consolidation loans are a type of debt refinancing that allows consumers to pay off various unsecured debts by combining them into one loan with one monthly payment. Most consumers consider debt consolidation for unsecured debts which yield a high interest rate, such as credit cards, medical bills, high-interest loans and other various bills.

Secured Loans

You may qualify for a lower rate and/or a higher amount with an auto secured loan for debt consolidation. If you’re interested, see below for more information or reach out to your local branch if you have questions.

A secured loan means you are pledging something of value as an assurance that your loan will be repaid according to the agreed terms and conditions. Assets such as cars can be used as collateral, and, in some instances, the lender can place a lien on the asset, which will remain until the loan has been paid in full, including interest and all applicable fees.

It’s important to remember that if you are unable to repay a secured loan, the lender may be able to sell the pledged collateral to pay off all or part of the loan.

Apply Online
Locate a Branch

What are the benefits of consolidating debts?

There are many benefits of getting a loan to manage your debt. Here is a list of some common benefits of debt consolidation loans:

When to use a loan to consolidate your debt?

When considering whether to consolidate debt, you should always consider the total interest you are paying over the term of the debt. However, things come up and before you know it and you may have more sources of debt than you would like. If this happens feel free to apply for a Mariner Finance debt consolidation loan to help make life more manageable.

Apply Online
Locate a Branch

Why choose
Mariner Finance?

Our experienced and licensed loan officers make it their business to educate customers and create loan solutions that fit the individual. Their mission is to make the process simpler, not the other way around. Because the more informed you are, the better decisions you make—not just today, but years from now as your needs change.

How has Mariner come through for you?

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I received excellent service when working with your representatives. They were highly professional in their demeanor, patient and quite knowledgeable when explaining the requirements for applying and completing the loan application.

Starlet

Personal
loans for
when life
happens

Got questions?
Get answers.

What is the minimum amount I can borrow? How long does an application take? Is there a prepayment penalty?

Ready to speak to a
person—in person?

You have your own unique goals to meet, and it all starts with a 5 minute conversation with one of our team members. You can reach us directly at 877-310-2373.

What is a
personal loan?

Great question. It’s a loan that may help you deal with an unexpected expense, see a new part of the world, or simply help you achieve your personal goals.

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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. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. 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 rates and loan amounts are available in all states. 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.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

*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 continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.

**15 Day Satisfaction Guarantee: If, for any reason, you are dissatisfied with your loan and repay it in full within 15 days we will waive all finance charges with no penalties. Your repayment amount must be in the form of cash or certified funds.

California Residents: Loans made or arranged pursuant to a California Financing Law license.

Mariner Finance, LLC, NMLS No. 166564 (www.nmlsconsumeraccess.com)
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.