Mariner Finance Reviews: Loan Requirements, Pros & Cons - Complete 2025 Guide
Flexible Loan Options: Offers personal loans with amounts ranging from $1,000 to $25,000.
Bad Credit Accepted: Works with borrowers with a variety of credit histories, including bad credit.
Fast Application Process: Apply online or in-branch with potential same-day approval.
david weiner
2 months ago
I worked with Craig Milch to obtain funding for our Cannabis business. He was very helpful, professional, and made the process quite simple.
Kwon Jason
3 months ago
Leo helped me from the beginning and to the end of this whole process. He helped me to feel at ease and is highly reliable. Thank you.
Brian Hallum
3 months ago
Mason Stoner was professional, helpful, and expedient. He worked to get us a deal that made sense. I appreciate his assistance.
AnaheimAuto
3 months ago
Mason Stoner was extremely helpful in getting my line of credit approved quickly. The process was smooth, fast, and stress-free thanks to his guidance and professionalism. I really appreciate how responsive and efficient he was throughout the entire process. Highly recommend working with him!
Trisha Smith
7 months ago
Working with Mike Kowal was truly an exceptional experience from start to finish. He was personable, highly responsive, and consistently communicative, taking the time to educate me throughout the entire process so I fully understood what was happening at every step.
What truly set Mike apart was his honesty. He reviewed multiple lender options with me in a fair, transparent way, walking me through the pros and cons of each and helping me understand every angle. He encouraged me to move forward only with what felt right for my business, never once making me feel pressured to choose him or Upwise. That level of professionalism is rare.
Mike also worked hard to build genuine personal rapport — something no other representative I spoke with did. He took the time to understand my business, explored different paths, and made sure I felt confident and comfortable throughout the decision-making process.
The follow-up from Mike and every member of his team has been above and beyond anything I’ve experienced with other lenders. Every interaction feels thoughtful, client-focused, supportive and most important- genuine. I’m incredibly grateful for the experience and would confidently recommend Mike to anyone looking for a knowledgeable, ethical, and truly client-first lending partner.
What truly set Mike apart was his honesty. He reviewed multiple lender options with me in a fair, transparent way, walking me through the pros and cons of each and helping me understand every angle. He encouraged me to move forward only with what felt right for my business, never once making me feel pressured to choose him or Upwise. That level of professionalism is rare.
Mike also worked hard to build genuine personal rapport — something no other representative I spoke with did. He took the time to understand my business, explored different paths, and made sure I felt confident and comfortable throughout the decision-making process.
The follow-up from Mike and every member of his team has been above and beyond anything I’ve experienced with other lenders. Every interaction feels thoughtful, client-focused, supportive and most important- genuine. I’m incredibly grateful for the experience and would confidently recommend Mike to anyone looking for a knowledgeable, ethical, and truly client-first lending partner.
HMP Wholesale
7 months ago
Convenient and aggressively priced rates - beats the market. Craig was great at speeding up the process and making it smooth.
brandon banks
7 months ago
I was able to secure a business loan in an industry that typically has a hard time getting approved. Craig and the team at Upwise made it happen from start to finish. Professional, responsive, and results-driven. A+ experience all around!
Stephanie Terrelonge
9 months ago
Upwise Capital and Daniel Joseph were great in helping me obtain financing and grow my janitorial business. Mr. Joseph is quick, efficient and professional. Funding was complete in just a few hours. Daniel is very detailed and easy to work with. He stuck with me from beginning to end. Thank you Upwise Capital and Daniel for helping to expand my business. I appreciate all your help.
AA Fishing Charter Aquaholics Aknotymous
10 months ago
The rates for loans are horrible, and if you disagree with them, they get angry and hang up on you lol. It is clear they are in business to get the best deal for themselves, not the customer. Leo Lamb, one of their funding managers comes across like a used car salesman. When I called them out for their shady practices, he got very aggravated.
Update: Leo contacted me, and after basically insulting me concerning their prior behavior, I decided to let them run my application. After being ghosted for the day, they finally came back and denied due to another loan my business was involved in. These people get their feelings hurt way to easy to be in this business. I would not recommend this company to anyone.
Update: Leo contacted me, and after basically insulting me concerning their prior behavior, I decided to let them run my application. After being ghosted for the day, they finally came back and denied due to another loan my business was involved in. These people get their feelings hurt way to easy to be in this business. I would not recommend this company to anyone.
Stacy Aleixo
1 year ago
The process was very simple and fast! Craig is a pro and helped so much during what I thought would be a stressful transaction. As we know it’s so hard to receive funding for cannabis, or so I thought! I highly recommend Upwise Capital.
Jonathan F
2 years ago
Timely efficient, def would work with again, made the processs easy
Hatchet's & More
2 years ago
ETC 4 DISPATCH Logistics
2 years ago
Absolutely great customer service. Jim is such a professional and was able to get us funding. Thanks Jim and Upwise Capital.
Nothing But Hemp
2 years ago
Donna Essner
2 years ago
Craig went above and beyond to get this deal done! I would highly recommend UpWise Capital if you're looking for a broker to get investors onboard.
Merideth Cann
2 years ago
Leo provided a very quick turn around and is a pleasure to work with !
Alba De La Cruz
3 years ago
I worked with Leo. He is very attentive and professional.
Mohamed Khanafer
3 years ago
Craig made himself available all the time, he was very attentive, professional and easy to work with. Highly recommend!
Tammy Sockwell
3 years ago
We worked with Leo for our line of credit. We are a trucking company an can be a challenge to secure financing. The process was smooth and fast funding. Our only complaint would be that Leo was a little impatience when it came to our decision making. We are very thankful for the funding and would do business with them again. Thanks,
Upwise
Upwise
Sharon Johnson
3 years ago
Leo got us a line of credit loan very quickly to help with expenses we incurred during our new business building purchase.
Mike Maffei
3 years ago
You are always hesitant when working with a finance firm to borrow money to grow your company But, I highly recommend Upwise Capital. Lou and Marc went out of their way to ensure everything was taken care of. Very professional in all steps taken to secure the financing I needed. I look forward to continuing the business relationship.
Niyetroshia Thomas
4 years ago
I rarely write reviews, but my experience with Leo was absolutely. Leo was patient, knowledgeable, and extremely responsive. During a hectic work week he continued to bare with me to be sure that i had all the information I was requesting. He got me the capital I needed within one day. I highly recommend this company!
Mariner Finance at a Glance: Key Features and Services
Mariner Finance is a loan company that provides personal loans to individuals with various credit profiles. Known for its flexible lending practices, Mariner Finance loans are available both online and through their branch locations, making it a convenient option for borrowers who want personalized service. They cater to borrowers with good credit as well as those with bad credit, offering loan amounts up to $25,000 with competitive terms and repayment options.
Quick Facts About Mariner Finance:
- Founded: 2002
- Loan Products: Personal loans, debt consolidation loans, and refinances
- Loan Amounts: $1,000 to $25,000
- Funding Speed: Same-day approval (in some cases)
- BBB Rating: A+
What You’ll Learn in This Mariner Finance Loan Review:
- What is Mariner Finance?
- How does Mariner Finance work?
- Loan products, terms, and eligibility requirements
- Pros, cons, and comparisons with other lenders
- FAQs and tips for success
What is Mariner Finance?
Mariner Finance is a personal loan provider that specializes in offering flexible loan solutions to borrowers with diverse credit profiles. Mariner personal loans provide a range of options, including acceptable uses for home improvements, debt consolidation, or unexpected expenses, with features such as pre-qualification and co-signer options. Whether you’re looking for a personal loan product for home improvements, debt consolidation, or unexpected expenses, Mariner Finance provides options for individuals who may not qualify with traditional lenders.
Available Loan Products:
- Personal Loans: For various needs, such as medical bills, car repairs, or vacations.
- Debt Consolidation Loans: Combine high-interest debts into one manageable monthly payment.
- Refinancing Options: Adjust existing loan terms to better fit your financial situation.
Industries They Serve:
Mariner Finance primarily serves individual borrowers rather than businesses, making them a go-to lender for personal financing needs.
How Does Mariner Finance Work?
Mariner Finance simplifies the borrowing process with both online and in-person application options. Borrowers can apply online through the Mariner Finance login portal or visit one of their branch locations for a more personalized experience.
Key Features of Mariner Finance’s Process:
- Fast Application Process: Apply online or in a branch and receive a decision quickly.
- Flexible Credit Criteria: Works with borrowers with bad credit or limited credit history.
- Minimum Credit Score Requirement: Applicants need to meet a specific minimum credit score to be eligible, ensuring they understand their creditworthiness.
- Personalized Service: Loan specialists are available to guide borrowers through the process.
Once approved, funds can be deposited directly into your bank account or picked up in cash at a branch.
Mariner Finance Loan Products
Mariner Finance
Personal Loans
- Loan Amounts: $1,000 to $25,000
- Repayment Terms: Typically 12 to 60 months
- Uses: Cover expenses like medical bills, car repairs, or personal emergencies.
Mariner Finance personal loans are unsecured, meaning no collateral is required, making them a convenient option for borrowers who need quick access to cash
Marine Finance
Debt Consolidation Loans
- Loan Amounts: Varies based on creditworthiness
- Repayment Terms: Flexible monthly payments
- Uses: Combine multiple debts into one manageable payment.
Mariner Finance’s debt consolidation loans can help borrowers reduce their overall interest rates and streamline their debt repayment.
Marine Finance
Refinancing Options
- Loan Amounts: Based on existing loan and credit profile
- Uses: Adjust terms on an existing loan to reduce monthly payments or interest rates.
Mariner Finance allows borrowers to refinance their existing loans for better terms or to free up additional cash flow.
Mariner Finance Loan Requirements
Here is the basic criteria your business must meet for mariner finance loan requirements:
- Credit Score: No minimum required, but terms improve with higher scores.
- Income: Proof of income, such as pay stubs or bank statements.
- Identification: Social Security number and government-issued ID.
- Additional Documents: Tax returns or other financial information may be required.
What You Need to Know
A few things to know when considering mariner finance loans:
- Fast Application Process: Apply online or in a branch and receive a decision quickly.
- Flexible Credit Criteria: Works with borrowers with bad credit or limited credit history.
- Minimum Credit Score Requirement: Applicants must meet a specific minimum credit score to be eligible, ensuring they understand their creditworthiness.
- Personalized Service: Loan specialists are available to guide borrowers through the process.
How to Apply to Marine Finance
Mariner Finance: Application Process
Step 1: Complete the Online Application
- Visit the Mariner Finance login portal or apply in person.
- Provide basic information, such as income, loan purpose, and credit history.
Step 2: Review Loan Terms
- Work with a loan specialist to review loan offers, repayment options, and interest rates.
Step 3: Accept the Loan Offer
- Sign the agreement electronically or in person.
- Receive funds directly into your bank account or pick them up in cash.
Pros & Cons of Mariner Finance
PROS
CONS
Apply Now for Business Financing
- Access term loans, lines of credit, working capital & more
- Secure the terms and conditions that make sense for you
- Apply for working capital and cash flow funding to cover inventory, marketing and operations
Stay ahead of the curve - get access today!
Upgrade your capabilities with specialized financing for almost any industry.
Why Choose Upwise Capital
Quick & easy application
Our simple 15-minute application gets you on your way to funding quickly. Most applicants receive a fast decision within hours of applying. Then just choose your loan terms and you could have funds deposited into your account as soon as 24 hours.
Ensure you make the wise choice
Every Upwise applicant gets a dedicated funding advisor who takes the time to understand your business and it's unique needs. We are here for your support throughout the entire funding process.
Access multiple financing options
Upwise has an extensive product suite and a network of business line of credit lenders. This means you're more likely to find the best match for your funding needs.
Is Mariner Finance Legit?
Yes, Mariner Finance is a legitimate lender with over 20 years of experience. They provide flexible personal loan options and work with borrowers who may not qualify for loans with traditional banks. Their A+ Better Business Bureau rating reflects their commitment to customer service.
If Mariner Finance doesn’t meet your needs, consider exploring Upwise Capital for alternative financing options tailored to your goals.
Mariner Finance Frequently Asked Questions - FAQ
What other lenders compare to Mariner Finance?
- OneMain Financial: Similar personal loan options but with higher loan limits up to $35,000.
- LendingClub: Offers personal loans with competitive rates but requires a higher credit score.
- Avant: Specializes in loans for borrowers with lower credit scores, with amounts up to $35,000.
What Happens After Applying with Mariner Finance?
After submitting your loan application, a loan specialist reviews your file and provides a decision. If approved, borrowers can receive funds the same day, depending on the loan amount and disbursement method
Does Mariner Finance report to credit bureaus?
Yes, Mariner Finance reports to credit bureaus, making it possible for borrowers to build or improve their credit scores by making timely payments.
How do I manage my loan with Mariner Finance?
Borrowers can manage their accounts through the Mariner Finance login portal, where they can track payments, view balances, and contact customer service.
What are Mariner Finance’s renewal options?
Borrowers with good payment histories may qualify for loan refinances or additional funding.
What is the customer experience like with Biz2Credit?
Mariner Finance reviews are mixed, with many borrowers praising their fast and flexible loan options. Customers appreciate the ability to apply online or in person and the personalized support from loan specialists.
To address customer complaints and offer support, the customer relations department serves as a point of contact where customers can discuss their unfavorable experiences and seek resolution regarding issues such as poor service or delayed refunds.
BBB Rating: A+ with a focus on resolving customer concerns. Common Complaints: High interest rates for borrowers with poor credit and required in-person visits for some disbursements.
Mariner Finance: Final Verdict
Who Should Consider Mariner Finance?
- Individuals with bad credit or limited credit history.
- Borrowers looking for personal loans with fast funding.
- People who prefer in-person support through branch locations.
Who Should Look Elsewhere?
- Borrowers seeking low-interest rates or larger loan amounts.
- Individuals needing business loans or other commercial financing.
Tips for Success with Mariner Finance
- Prepare all required documents, including pay stubs and bank statements.
- Check your credit report for errors before applying.
- Use the Mariner Finance login portal to track payments and stay organized.
- Pay off your loan early to save on interest and improve your credit score.
Disclaimer:Â Marine Finance trademark is owned by Mariner Finance , LLC. dba Mariner Finance and its use herein is for reference purposes only. This does not indicate sponsorship or endorsement from Mariner Finance, LLC.