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Women Shopping on Cyber Monday Black Friday is a great time to hit the stores and snag deals on items that typically break the bank, but as a shopper, you will have to fight through crowds of people who have the same wish list. Why do that when you can shop from the comfort of your home and snag great deals on Cyber Monday with ease?

Think you know how to make the most of your online shopping this Monday? Check out our tips and deals you should not pass up to get the most out of your shopping experience!

Cyber Monday Shopping Tips

Tip #1: Do your research. We suggest subscribing to a retailer’s email list so you can be the first to hear about offers and stay up-to-date on which items will be on sale (and when they will be on sale). You can also find exclusive deals by downloading the retailer’s app on your phone. Have too many stores to keep up with? RetailMeNot’s app and website gather thousands of retailer’s deals for you (in-store and online), and we found a great roundup of Cyber Monday deals from popular retailers at

Tip #2: Know what you want. While browsing the internet for random items can be fun, if you go into Cyber Monday knowing exactly what you want it will be easier to find and compare prices to get the best deal possible.

Knowing exactly what you want to purchase will also help you shop early and checkout before the item is out of stock. Typically you will get the best deal on clothing and shoes, especially leather, on Cyber Monday.

Tip #3: Shop early and shop often. While knowing what you want to purchase is great, you have to be sure it is still available for you to buy. The best way to do this is to purchase it as soon as the deal goes live, which for most online retailers will be November 26, 2018 at 12:00 a.m.

Be on the lookout for retailers who advertise flash sales, which can happen any time on Monday for various items.

Tip #4: Set a budget. Once you open up a store’s website, your screen will be filled with offers you may think you “just have to buy”. Before even turning on your computer, phone, or tablet, figure out what items you want to buy and how much you are willing to spend.

By knowing what you want and setting a budget, you will have a successful Cyber Monday and not regret any impulse purchases.

Tip #5: Check policies. Be sure to check the retailer’s online return and/or exchange policy. If you can return to the store or returns are free, consider purchasing items in two sizes if you are unsure about the fit.

This will allow you to get the deal before the item goes out of stock if you happen to need another size. Also, while some retailers guarantee delivery before Christmas, others may not.

You should keep this in mind when purchasing presents for someone other than yourself. It is always a good idea to checkout shipping policies and rates. Some stores like Target or Walmart offer site-to-store, which can reduce your shipping costs or even make them free.

Keep In Touch

Stay up-to-date on deals we find by liking our Facebook Page or sign up for weekly email blasts to the right to stay up-to-date on the best deals throughout the holiday season. Worried about all of your expenses this holiday season? At Mariner Finance we are here to help! Apply today, (you can even do it online!) to get the extra funds you need this holiday season.

Blog posts are for informational purposes only.

†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 (
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

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