I received a check from this company in the mail yesterday. It was in the amount of $2,539.00. If I cashed the check, however, I would be on the hook for the principal amount plus a whopping 35.99% APR! Personally, I found this offer insulting. I have overdraft protection from UCCU that I could tap at any moment at a far better rate than that. Moreover, the letter cautions me that I must destroy the check otherwise someone else might use it and put me on the hook to the loan sharks who work over there. I have no idea what criteria were used to select me for this offer, but my credit is excellent. I have no need of shylocks to cut out a pound of my flesh, thank you very much. I also noted that if someone wanted to pay the loan off early so as to avoid the interest rates, Mariner would demand cash or a certified check--no personal checks or EFT accepted! read more