Marble Financial

Marble Financial We create and innovate the tools to empower, educate, and connect the underserved to the financial f Marble was born in 2016. The same applies to your finances.

Until recently, unserved Canadians have been left with little education or guidance in making their best financial decisions. Consequently, this often leads to opting for high-cost lenders with crippling interest rates, putting them into a spiral of debt leading to decades of bad credit, insolvencies, and financial restrictions. Mike Marrandino and Karim Nanji aim to liberate credit-restricted Can

adians from high-cost lending and a negative financial future once and for all. Their dream became a reality in 2019 when CEO Karim Nanji, a seasoned Financial Technology executive, created the vision of MyMarble. To win a game of marbles, you must hit targets. Here at Marble, we know that every Canadian takes pride in financial knowledge. Many work extremely hard for their money and strive to manage it in the most efficient and economically sound way. We also know what tools are needed to get there. We understand how challenging and time-consuming it can be to establish financial education that provides a positive outlook for families and local communities. That's why we are committed to building a relationship and understanding for every MyMarble user to ensure we can review and reform the now while preparing the way for a fantastic financial future. Knowing exactly what our customers need and want allows us to deliver the best products and services by bringing every facet of their financial profile to one place. MyMarble has helped thousands of consumers across Canada and is continuing to grow. Our mission has stayed the same since our grassroots beginning. We empower Canadians to a positive financial future, through our technology and educational solutions.

Weโ€™ve all heard the importance of having a solid credit score. For recent graduates stepping into the real world, indivi...
09/16/2023

Weโ€™ve all heard the importance of having a solid credit score. For recent graduates stepping into the real world, individuals with dwindling credit scores, or aspiring car owners eyeing that pristine pre-owned vehicle, a good credit score can make a huge difference.

Understanding the nuances of credit score management is crucial, and an often overlooked tool in your arsenal is your rent report.

But, how exactly does a rent report factor in? And more importantly, does reporting rent increase your credit score? Read the full article, link in bio!

The connection between your credit history and securing that coveted job may not be immediately evident. Yet, just as in...
08/20/2023

The connection between your credit history and securing that coveted job may not be immediately evident. Yet, just as in various corners of the world, the interplay between your credit history and potential job prospects is becoming increasingly intertwined.

For recent graduates, the link between credit history and employment might come as a surprise. As you step into the professional arena, you might not have an extensive credit history. Likewise, those with lower credit scores might find it disheartening that past financial missteps could hinder future employment opportunities.

Enhancing your credit history extends beyond its advantages for loans or credit card applications; it can significantly impact your job search. Here are actionable steps to consider. Read the full article on our website via the link in our bio!

๐Ÿ’ต Earned wage access (EWA) is a distinctive financial service giving employees the ability to draw on their earned wages...
07/18/2023

๐Ÿ’ต Earned wage access (EWA) is a distinctive financial service giving employees the ability to draw on their earned wages ahead of the usual payday.

While traditional pay models disburse earnings bi-weekly or monthly, EWA allows users immediate access to their income as it's earned. This can alleviate cash flow and debt concerns, offering a potential lifeline for individuals living from paycheck to paycheck.

Consider an employee halfway through their pay cycle who encounters an unforeseen expense. Instead of resorting to costly payday loans or accruing credit card debt, they could opt to access the portion of their salary they've already earned through EWA.

Read the full article via the link in our bio to learn more about EWA and it can help you with cash flow and debt!

In Canada, the car loan market has been steadily growing since 2017, generating over $1.5 billion in revenue in 2022. At...
06/29/2023

In Canada, the car loan market has been steadily growing since 2017, generating over $1.5 billion in revenue in 2022.

At the same time, many people are interested in how they can borrow money without having to deal with high interest rates. Many people want to know how to lower the interest rate on a car loan in particular.

The good news is that there are a lot of different ways that you can try to lower the interest rate on your car loan.

Depending on your situation, some of the strategies in this article may not be available to you. However, everyone can use at least one or more of these techniques to pursue a lower interest rate.

So what kind of strategies might help you enjoy a lower interest rate on your loan? Read our latest article on how to lower your car loan interest now via the link in our bio!

๐Ÿ’ฐ๐Ÿ’ผ If you need to borrow from a lender, you have two options: loans and lines of credit. So, which is the right decision...
06/21/2023

๐Ÿ’ฐ๐Ÿ’ผ If you need to borrow from a lender, you have two options: loans and lines of credit. So, which is the right decision financially, and whatโ€™s the difference between credit and a loan? The best choice depends on several factors.

Lines of credit offer flexibility and ongoing financing, while loans provide upfront funds for specific purposes. Assess your needs, collateral, and creditworthiness to make the right choice.

At Marble, we're here to be your trusted financial partner. Explore our MyMarble platform for expert guidance on budgeting, funding, and improving your financial health!

๐Ÿ” Nearly 1.3% of Canadian consumers possess a credit score of 850. That's a solid start on the journey toward financial ...
06/05/2023

๐Ÿ” Nearly 1.3% of Canadian consumers possess a credit score of 850. That's a solid start on the journey toward financial stability.

When it comes to credit and loan applications, terms like "pre-approval" and "pre-qualification" often come up. But what do they really mean? And what sets them apart?

Both pre-approval and pre-qualification play vital roles in the lending process, especially for significant purchases and financial decisions. Let's break it down for you.

Pre-Qualified vs. Pre-Approval: What's the Difference? Pre-qualification offers an initial assessment of your creditworthiness, giving you a general idea of the loan amount or type of credit card you may be eligible for. It's a simple process that can be done online or over the phone, usually with no impact on your credit score. Read the full article via the link in our bio!

Whether you're a sustainability enthusiast or simply looking for a cost-effective and efficient mode of transportation, ...
05/20/2023

Whether you're a sustainability enthusiast or simply looking for a cost-effective and efficient mode of transportation, electric cars are a fantastic option. They contribute to a greener future while providing a thrilling driving experience.

Canada's newest EV rebate is an incentive program developed by the Federal government to make it easier for Canadians to purchase electric vehicles. There are different incentive requirements, but at the height of it, Canadians can enjoy up to $5,000 towards their new wheels.

The incentives cover all zero-emissions vehicles. It doesnโ€™t matter whether you purchase a second-hand EV, a new Tesla online or a plug-in hybrid, you can enjoy these incentives from the government.

Read the full article, link in bio

Share your thoughts, experiences, and favourite electric models in the comments. Let's drive the conversation toward a cleaner and greener future!

If you want to increase your tax refund next year, you need to know about the Canadian carbon tax rebate. Also known as ...
04/28/2023

If you want to increase your tax refund next year, you need to know about the Canadian carbon tax rebate. Also known as the climate action incentive payment (CAIP), carbon tax rebates came into effect this year.

The carbon tax in Canada is a tax-free incentive for residents of provinces that have not adopted the federal carbon tax. These provinces include Ontario, Manitoba, Saskatchewan, and Alberta.

Read the full article via the link in our bio to learn what the CAIP is and whether you are eligible to receive it.

๐Ÿ’ณ Credit utilization is an important factor in maintaining a healthy credit score and managing your credit card debt. Th...
04/24/2023

๐Ÿ’ณ Credit utilization is an important factor in maintaining a healthy credit score and managing your credit card debt.

This rate tells creditors how much of your available credit is being used. This is an important metric that can have an impact on your credit history and credit score.

Read the full article in the link in our bio to help you understand the ins and outs of credit utilization and how it can help increase your credit score.

With financial experts predicting an impending recession, it's crucial to take proactive measures to safeguard your fina...
04/17/2023

With financial experts predicting an impending recession, it's crucial to take proactive measures to safeguard your finances and reduce potential financial stress.

Our latest blog post dives into the potential recession in 2023 and provides practical tips on how to manage your money wisely. Head over to the link in our bio to read the full article!

Looking to get a car loan in Canada? Knowing your credit score is essential when applying for a car loan. At Marble, we ...
04/08/2023

Looking to get a car loan in Canada? Knowing your credit score is essential when applying for a car loan. At Marble, we understand that everyone's credit situation is unique and that finding the right car loan can be daunting.

Understand the importance of credit scores when applying for car loans and how they can affect your eligibility and interest rates. Read the full article here: https://mymarble.ca/blog/what-is-a-good-credit-for-a-car-loan-in-canada/

Drive Away by Marble is a solution powered by Marble to help Canadians who are having trouble getting a new car into the...
02/22/2023

Drive Away by Marble is a solution powered by Marble to help Canadians who are having trouble getting a new car into their life ๐Ÿš™

When you apply, you get exclusive access to a free financial wellness platform powered by Marble that empowers you to improve your spending habits, credit score, and debt levels to guide you toward lowering your rates sooner rather than later ๐Ÿ’ฐ๐Ÿ’ก

Learn more or apply on https://driveaway.today/

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#404/999 Canada Place
Vancouver, BC
V6C3E2

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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Helping You to Get Back on Track

We are passionate about helping people. We are social lenders with a cause. We realize how hard it is to get back on track after a history of poor credit. Let us help you rebuild your credit easier and faster.