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Category: Financial Advice and Tips


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…

Top Tips for Planning Your Dream Wedding

August 11, 2021 You said “I do” to the love of your life and shared the exciting news with close friends and family. Now, the only thing standing between you and forever with your significant other is a wedding. Where do you start? How long does wedding planning take? If you’re here because you’re nervous,…

Mariner Finance’s Buy Now, Pay Later Point of Sale Financing – No Payment for 90 Days

The point of sale can be a very exciting, but also stressful time for both a customer and dealer.  A consumer’s excitement can, at times, be over shadowed by the stress of wondering how to budget for the purchase. In this moment, dealers can offer a potential solution to customers with the help of Mariner…

What is the Emergency Rental Assistance Program and how may it help?

September 2, 2021 The Emergency Rental Assistance Program was created to assist households that are unable to pay rent and utilities due to the COVID-19 pandemic. $25 billion in funds are being provided directly to states, U.S. territories, local governments, and Indian tribes (described as “eligible grantees”) to help fund this initiative.  If you were…

What is VantageScore®*?

If you’re not familiar with credit scores or just want to know a little bit more about VantageScore®, this article is for you. What is VantageScore®? Created by a joint venture between the big three credit bureaus, Equifax, Experian, and TransUnion, VantageScore® is a credit scoring system developed in 2006. [1] Credit scores can help…

Lost Wage Assistance Program

Lost Wage Assistance Program The Lost Wage Assistance Program was created through an executive order to provide an additional payment ($300) on top of the weekly unemployment benefits for those who are eligible. Click below to find out the program details for your state: Alabama California Delaware Florida Georgia Illinois Indiana Kentucky Louisiana Maryland Missouri…

   

†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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