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Tier 1 credit is the highest level of credit for automobile financing, meaning buyers with Tier 1 credit get the best interest rates, lower monthly payments and better loan terms,. Learn more about our personal loans, car loans, debt consolidation loans, home improvement loans, vacation loans, and wedding loans. Unsecured loans do not require you to pledge collateral, which can include your home, vehicle, other property, or money in a savings account, against the note. Questions about your existing loan with Mariner Finance. 101, Lake City, FL 32024 Get Directions Location Detail. Unsure which office to call? Find a. If you want a loan for $10,000 or more, you'll need to secure it with personal property assets, such as a vehicle or boat. Mariner Finance's requirements include being at least 18 years old, having enough income or assets to make the monthly payments and having a Social Security number.