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Mariner Finance — DealerRefresh Vendor Library
Mariner Finance (marinerfinance.com) is a U.S. consumer lending company headquartered in Nottingham, Maryland, that partners with car dealerships through…
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Mariner Finance (marinerfinance.com) is a U.S. consumer lending company headquartered in Nottingham, Maryland, that partners with car dealerships through a Direct Auto Loan Program — approving, closing, and funding auto loans directly with dealership customers while paying dealers a referral fee for every funded loan. The company offers new and used auto loans, personal loans, and refinancing products, evaluating applicants on their full credit profile rather than FICO score alone. Mariner Finance operates as a multichannel, near-prime consumer lender serving individuals across the United States through a network of local branches.
What you do with it
access a lender willing to fund loans based on whole credit profile, not just FICO score, so they can capture sales that would otherwise be lost to credit-constrained buyers
When a dealer has customers with near-prime or challenged credit who cannot qualify for traditional prime lenders
receive referral fees for every customer loan that funds through a partner lender, so they can generate incremental dealer revenue with zero upfront investment
When a dealer wants to add financing revenue streams without taking on acquisition costs or funding risk
close customer loans and receive funding proceeds immediately, so they can accelerate cash flow on deals that typically require longer financing timelines
When a dealer needs same-day or next-day liquidity on vehicle sales to near-prime buyers
Community evidence
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