Mariner Finance Community Guidelines
Thank you for visiting one of Mariner Finance’s social media pages! Through our social media pages we seek to provide you with thoughtful and informative posts and we welcome your participation in the conversation. To ensure a beneficial experience for all participants in the community, we have established the following guidelines:
The viewpoints and information contained in our social media pages are for general informational purposes and may not be applicable in all situations.
This is a moderated community and although we try to respond to comments and posts as soon as possible, we only monitor our social media pages during our regular business hours, Monday through Friday, between 9 a.m. and 5 p.m. ET. Therefore we cannot guarantee that we will respond to every post, nor do we have an express obligation to respond to every post. Additionally, we are sensitive to the participants in the community and we will take down anything we believe, in our discretion, to be contrary to these guidelines and the spirit of the social networking community.
We welcome your participation as a means of sharing your own experiences, suggesting improvements, and chiming in on the conversation. To ensure that this community remains a focused and productive forum, in our sole discretion the following types of content may be excluded:
- Personal Attacks. If you disagree with the content, we’d like to hear from you, but we ask that you refrain from personal attacks or being disrespectful of others. Malicious content and or participation not in the spirit of civil conversation will be excluded.
- Offensive Language. Comments such as profane or provocative language will be excluded, as will hateful, racially or ethnically offensive or derogatory content, threats, obscene or sexually explicit language.
- Laws that govern use of trademarks, copyrights, trade secrets, right of privacy and publicity, etc., will be followed.
- Comments focused on selling a product or service, or comments posted for a purpose of driving traffic to a particular website for personal, political, or monetary gain, will be excluded.
- Private or Confidential Information. Protect your privacy by never sharing personal information or account information on our social media pages. If you have immediate service needs, please contact Customer Service at email@example.com or 877-310-2373.
- Off Topic. We will exclude comments not related to the subject of the conversation. If you have an idea for a subject, would like to provide feedback, or would like follow-up, please contact us at firstname.lastname@example.org.
We reserve the right, in our sole discretion, to exclude a comment for any reason, including reasons other than those mentioned above.
Mariner Finance’s social media pages are not intended for use by children and any posts identified as originating from children will be removed.
Comment format must be in plain text. HTML or URL formats are not supported.
Mariner Finance Employees. To maintain the integrity of our social media pages, employees of Mariner Finance must disclose their employment status or relationship when submitting a comment, so readers understand the context of their perspective and commentary.
Statements made on this site represent the viewpoints of the individual contributors, and do not constitute an official position of Mariner Finance.
Links to other websites included in this social media page are provided for informational purposes only. We have provided these links for your convenience, but do not guarantee the accuracy of information on other sites or endorse their content.
We will make every effort to provide accurate and valuable information and resources through this site. However, we cannot guarantee in all instances that information posted on this site is accurate and will remain accurate over time and, as a result, content, sources, information and links may contain inaccuracies or change over time and no longer represent current, accurate information.
We reserve the right to change these guidelines at any time in our sole discretion.
Last updated on 11/22/2013
Making personal loans sense.
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You have your own unique goals to meet, and it all starts with a 5 minute conversation with one of our team members. You can reach us directly at 877-310-2373.
What is a personal loan?
Great question. It’s a loan that may help you deal with an unexpected expense, see a new part of the world, or simply help you achieve your personal goals. We have those.
†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.