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Mariner Finance offers 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 their branch network.
Any stated APR represents the cost of credit as an estimated yearly rate, and each applicant’s APR will be determined based upon state of residency, credit at the time of application, subject to state law limits, and individual underwriting. Not all applicants will qualify for the lowest rates or larger loan amounts. 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 their 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.
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, they will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.
LEASE TO OWN: NO CREDIT NEEDED
Snap-branded loans are offered to all credit types, but it especially helps those who’ve had credit challenges in the past and may not qualify for traditional financing. Snap’s application is EASY, and you’ll find out in seconds if you’ve been approved.¹
To apply, you’ll need to:
*The advertised financing may be originated by one of several lenders. All loans or retail installment contracts originated by our lending partners will be serviced by Snap Finance LLC. For more detailed information, please visit https://snapfinance.com/legal/financing-options
¹While no credit history is required, Snap obtains information from consumer reporting agencies in connection with the loan application. Not all applicants are approved.
²Not all applicants will be approved for $5,000.