The lawsuit alleges that Mariner Finance charged consumers for hidden add-on products that consumers either didn't know about or didn't agree to buy. Consumers believed they entered into agreements to borrow and repay, over time, a certain amount of money.

If you've filed for bankruptcy or have a bad credit score, a loan through Mariner Finance may be a good choice. The lender offers loans as low as $1,000 or as high as $25,000, but be aware that you could potentially pay a high APR. Mariner Finance is also only available in 28 states.

Mariner Finance specializes in providing personal loans for bad credit — close to 40% of Mariner Finance's customers have a FICO score of 620 or less. They'll even consider you if you've filed for bankruptcy, as long as you meet other qualifying requirements.

Your Loan May be Referred to a Collection Agency If you miss several loan payments and fail to negotiate payment terms with your lender, they may sell your debt to a collection agency. The agency may make numerous attempts to recoup the money. They may also file a court case against you to demand payment.