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3 Ways to Pay Off Your Car Loan Early

June 15, 2022 If you have a low-interest car loan and carry other debt, paying off your car loan early probably is not an immediate priority. On the other hand, if it is a priority and you have the means to pay your car loan early, it could save you money, free up disposable income,…

What Happens if You Miss a Personal Loan Payment?

June 1, 2022 A single missed payment on your personal loan may cost you additional money in the short and long-term. A potential late fee is just the start. You may want to think twice before you skip a payment and consider all of the possible consequences, which may include: 1. You May Incur a…

How to Pay for Unexpected Expenses

May 18, 2022 You’re not alone if you feel like you live paycheck to paycheck with little or no savings; many Americans do. Maybe you have not yet recovered from a pandemic furlough or maybe you lost your job and have not been able to catch up. Although experts generally say you should have six…

A Personal Loan for Debt Consolidation: 7 Things to Consider

May 4, 2022 If you carry balances on numerous credit cards or have other outstanding unsecured loans you pay monthly, you may have thought about combining them so you only have one payment each month; this is known as debt consolidation. Specifically, debt consolidation is when you take out a new loan to pay off…

Secured Loans VS. Unsecured Loans

April 27, 2022 Let’s say a friend wants to borrow some money from you. They are employed, pay their bills on time, and don’t carry a lot of debt. You might feel comfortable loaning them money without asking for any type of collateral. Collateral is something of value your friend would pledge to secure the…

Why Is Financial Literacy Important?

April 20, 2022 Financial literacy is understanding how to manage your personal finances. It includes skills like budgeting, saving, borrowing, investing, and day-to-day money management. According to Standard & Poor’s Global Financial Literacy Survey, only 57 percent of Americans are considered financially literate. If you’re not sure where you fall, consider some of the important components of…

What Are Installment Loans and How Do They Work?

Even if you’re not familiar with the term, you probably know something about installment loans. You may have even had one. If you own a home with a mortgage or have ever financed a car, those agreements to repay a debt over time are installment loans. Unlike your credit card payments, which can vary month…

Camping: Rustic vs. Luxury

March 9, 2022 Camping is a popular outdoor activity and can be a great way to blow off steam and get away from the hustle and bustle of everyday life. When camping, you have the opportunity to enjoy nature and take part in outdoor activities. As a result, more than 40 million Americans go camping…

Top Spring Break Destinations for Students and Families

February 23, 2022 March is right around the corner, which means spring break is nearly upon us. Spring break can be an ideal time for students and families to travel, mentally decompress, and have a good time. It’s no wonder that it’s one of the first major travel periods of the year, with around 12…

Top Home Improvement Projects That Could Add Value to Your Home

February 9, 2022 Upgrades and renovations to your home may help to increase the value. Owning a home requires regular maintenance to retain its property value, but you can also include home improvement projects that offer a significant return on investment (“ROI”). You may find you need to take out a home improvement loan to finance these…

   

†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. 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 our branch network. 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 our 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. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.

 

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

 

For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.

 

*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, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.

 

 

California Residents: Loans made or arranged pursuant to a California Financing Law license.

VA Residents – Mariner Finance of Virginia, LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No. CFI-114.

 

Mariner Finance, LLC, NMLS No. 166564 (www.nmlsconsumeraccess.com)
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

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