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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…

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…

Amazon® Prime Day 2021

June 11, 2021 What is Amazon® Prime Day? Amazon® Prime Day is an annual shopping event exclusively for Amazon® Prime members. Amazon® Prime Day this year starts on June 21st and lasts only 48 hours. Amazon® Prime Day is packed with awesome deals, exciting product launches, live entertainment, and more, exclusively for Prime members. With…

Top Things to Consider When Buying a Car

February 10, 2021 Buying cars can be trickier than you thought. Next to houses, cars have an average cost of $36,000.00.  Consumers should be forewarned about issues that could arise at car dealerships that could include packed payments, dealer preparation fees, low trade-in values, low credit rating, and so on. Aside from the financial obligation,…

Top New Year’s Resolutions and How to Keep Them

December 30, 2020 As the year ends, many people look forward to thinking about a New Year’s resolution and planning how to keep it. Research shows that an astounding 80% of people do not ultimately stick with their New Year’s resolution. Most people give up on their New Year’s resolutions by January 17th, as most…

Best Deals of the Season!

Deals of the Season! Black Friday, November 29th, 2019, looks to be one of the best in recent years. Most sales run through the weekend, some already live online. We have compiled a list of some of the best deals, in several categories with links, to make your shopping experience easy this year! Could you…

Black Friday vs. Cyber Monday: Crowds or Clicks?

Black Friday & Cyber Monday are two of the busiest shopping days in existence. They both represent the start of the holiday shopping seasons, big sales, great deals, and savings. But which of these days is the best day to shop? On which days do you get the best deals? And, should you spend your…

Sales Tax Holidays in 2019

With back-to-school season just ahead, it’s a great time to start looking for ways to save on end-of-summer purchases with Sales Tax Holidays in 2019. What is a Sales Tax Holiday? A Sales Tax Holiday is a limited-time period where a state allows sales tax to be waived or reduced on the purchase of certain…

How Much Should You Spend On A Car?

How much should you spend on a car? Buying a vehicle can be one of the most costly expenses for households, and with the average monthly car payment for a new vehicle in the U.S at $523 a month, cars aren’t getting any cheaper.[1] On the contrary, the median household income in the United States…

   

†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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