Mariner Finance
Installment loans · also title loans · 12804 Gulf Fwy Ste. 800, South Belt / Ellington
★ 4.8 · 290 ratingsHours listed
Open late
Should you go here?
Many bad reviews, and Texas caps what it can charge.
Borrowers leave more bad reviews here than at 62% of Houston stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.
290 ratings. Known for explaining the terms clearly. The owner answers complaints. Common complaint: rude staff.
of its written reviews are 1–2★, a higher share than at 62% of Houston stores. 3rd of 3 Mariner Finance branches here.
Texas sets the maximum charges. Ask for the total of all payments.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store. Checked September 2026. We don’t lend and no store pays us.
How it compares
Against every loan store in Houston and every other Mariner Finance branch.
Rating
4.8Higher than 45% of Houston loan stores. City average is 4.4.
Lowest rated in HoustonHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 1% in 2026
What borrowers say
- Ask for Jasmine
- Known for explaining the terms clearly
- The owner answers complaints
- Common complaint: rude staff
Counted in 206 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
What it costs
Capped by Texas law
Installment lenders need an OCCC licence and Texas sets the maximum they may charge. Ask for the total of all payments in dollars, not just the monthly figure.
Before you go
What to take, and what to ask before you sign.
Bring these
At the store
Wheelchair access · Apply online first
What to bring is from their website.
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: known for explaining the terms clearly.
- 2
What happens if I’m late?
Ask for the late fee in dollars and whether they call your employer or references.
- 3
Can I pay it off early?
Ask them to confirm there is no charge for paying early.
Installment loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
Before you borrow here, ask a credit union about a small-dollar loan.
A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.
Nearby alternatives
The closest real storefronts — at least two take a different route. Numbers match the map.
- 1OneMain FinancialInstallment loans · 0.2 mi★ 3.7Many bad reviews
- 2Liberty Loan CompanySmall loans · 0.4 mi★ 4.8
- 3ACE Cash ExpressPayday loans · 0.6 mi★ 4.9
- 4Valu+ PawnPawn loans · 1.3 mi★ 4.6Many bad reviews
- 5TitleMax Title LoansTitle loans · 1.4 mi★ 5.0Few bad reviews
- 6PLS Check CashersPayday loans · 1.5 mi★ 4.9Few bad reviews
Been to Mariner Finance?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Explained everything in detail -most importantly -very very patient”
- “Carolyn was super helpful & made sure my experience was quick and easy over the phone.”
- “I am very grateful for the respectful service she provided, and the loan she helped me secure.”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Installment loans, and also title loans.
Part of a chain: Mariner Finance has 17 locations across the Texas cities we cover — El Paso (4), Houston (3), San Antonio (3), Dallas (2), McAllen (1), Fort Worth (1), Brownsville (1), Corpus Christi (1), Austin (1). See the Mariner Finance brand page.