how long does mariner finance take to approve

Mariner Finance will be the new name for Personal Finance Company. The last stage between FOL and property transfer will take around five days. CalenStars! To find out how much mortgage you can afford, use our calculator. Though rates are still high with Universal Credit, the lender offers multiple rate discounts. Here are details about Mariners average borrower, according to the lender. This check from Mariner Finance is a loan offer. Setting up automatic payments and keeping an eye on your budget are two ways to manage your loan payments. For ACH disbursements, funds typically take 24-72 hours to become available depending on your individual bank. There is no hard credit pull at this stage. Loan closing is subject to various factors including, but not limited to, applicable lender underwriting requirements, market conditions, state specific regulations, and completion of all information and documentation requirements. , which covers your loan if youre unable to pay due to unexpected life events including involuntary job loss, illness, accident or death. Become a NerdWallet member, and well send you tailored articles we think youll love. Mariners APRs are high compared with other bad-credit and online lenders. They may be able to help you obtain additional funds. NerdWallet does not receive compensation for our star ratings. The credit score criteria for most other lenders for personal loans are between 585 and 700. A 1099-C will be sent for settlements involving debt forgiveness of $600 or more. See our Licensing & Disclosures page for more information. Mariner Finance, LLC is a Non-Bank Financial Company and is a Loan Processor offering Personal Consumer Loans. Having these documents before you apply can speed up the process. How long does it take to get a loan approved? Privacy Statement Yes, Mariner Finance does provide automatic payment services. High APR: This lender's annual percentage rate (APR) starts at 15.99%, which is much higher than the starting rate some other personal loan lenders offer. Is Mariner Finance the same as personal finance? We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. So, How Long Does It Take In Ajman To Get A Mortgage? Website Accessibility Mariner Finance personal loans are an option for bad-credit borrowers, but high rates and fees, in addition to some potentially deceptive practices, may not make it a first choice. You could call 1-888-iasknmc for questions about approximate length of wait time. Does Mariner Finance verify income for personal loan applications? (A Master Mariner holding MCA class I license Unlimited foreign going (FG) (valid until 2022.) From theCustomer Account Centeryou can make a single payment, set-up recurring payments, check your balance, and view your payment history. Select the loan amount you're interested in and click Continue. 3.6 new world boss description. Mariner Finance is a loan company that provides personal loans, including debt consolidation loans, home loans such as mortgage loans, and car financing loans. An application takes approximately 5 minutes to complete. -Long hours and poor work/life balance. We collect over 45 data points from each lender, interview company representatives and compare the lender with others that seek the same customer or offer a similar personal loan product. In addition, it is not any companys responsibility to ensure all questions are answered. . Mariner Finance personal loans can be secured by an asset or co-signed, or you may qualify for an unsecured personal loan based on your credit history and other factors. The BBB has closed 162 complaints against Mariner Finance in the preceding three years, with 57 closed in the past 12 months. The maximum loan amount also varies by state. When using the offer code online, the consumer may also be informed of eligibility for other loan amounts. 6 Is Mariner Finance a payday loan? Do Not Sell or Share My Personal Information. This is. May require an in-person visit: Borrowers can apply online for loans between $1,500 and $15,000, but you'll have to visit a branch for smaller or larger amounts. They have the power to freeze your bank accounts and even put a lien on all of your personal belongings. Key Takeaways. 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. Mariner Finance is a wonderful choice for individuals who have had problems getting authorized elsewhere because of their bad credit. 2022-12-15. payday loans. Loans greater than $15,000 or less than $1,500 are funded through our branch network. estimated 10 option to purchase fee), a deposit of 0.00, total cost of credit is 1,702.00, total amount payable is 9,202.00. We believe everyone should be able to make financial decisions with confidence. If you want to use our website, please turn off AdBlock. they have accumulated 327 complaints in the past 3 years. Transparency also means allowing users to pre-qualify online to preview potential loan offers and reporting payment information with the major credit bureaus. 1 year for paid. Mariner Finance's hard inquiry will stay on your credit report for two years, but it won't affect your credit after one year, and the impact may subside before then. Mariner Finance is a great company to work because they keep their employees happy! NerdWallet does not receive compensation for our star ratings. Click the button below to pre-qualify with lenders that partner with NerdWallet. This methodology applies only to lenders that cap interest rates at 36%, the maximum rate most financial experts and consumer advocates agree is the acceptable limit for a loan to be affordable. Can I pay Mariner Finance with a credit card? 3.3 out of 5. We offer personal loans from $1,000 to $25,000, with minimum and maximum amounts dependent on an applicant's state of residence and the underwriting of the loan. Mariner Innovations. On This Page. If your payment is late and depending upon the terms of your note, your lender may charge you a late payment fee. Can I cash a Mariner Finance check at bank of America? Mariner Finance provides personal loans from $1,000 to $25,000. Though bad-credit borrowers are often quoted the highest personal loan rates, Mariners nearly 19% starting APR is especially high. Personal loan interest rates typically range between 5% and 36%. In either case, your co-applicant must make payments if you fail to. They offer multiple types of personal loans, home loans, and car financing loans. Mariner requires proof of income, which can be W-2s, paystubs, tax returns or bank statements. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices. Business Outlook. 1 year ago Updated Upon final loan approval, loan proceeds may be disbursed by check or ACH deposit depending upon whether the loan is closed in a branch or online. If you think a Mariner Finance loan is right for you, check out the full Mariner Finance personal loan review on WalletHub. CEO Approval. Business Systems Analyst will be a key member of the IT Professional Services team. Mariner Finance Mortgage Refinance does not provide details on the average time to close a refinance. What Credit Score is Needed for a Mariner Finance Personal Loan? Click Check My Offers on the lenders website and choose your loan amount. How long does it take to get approved by Marcus by Goldman Sachs? I need to borrow more money, can you help? Yes No 261 out of 343 found this helpful 13 years ago. Evolution Funding Limited, trading as My Car Credit . Mariner will also do a hard credit check when you apply, so your credit score could temporarily dip. Its best to cash it at the bank where the cheque was written. Resume Application Some lenders let you choose the initial due date and change it multiple times. drivers license or passport), Proof of residence (e.g. Mariner allows borrowers to include income from employment, a partner, alimony, retirement, child support and Social Security on an application. Payment date flexibility is helpful if the initial payment due date becomes inconvenient due to a job change or new bill payments. For example, if you turn 62 in June which is the earliest . There is no hard credit pull at this stage. This hard credit inquiry may impact your credit score. CAC Terms of Use Mariner engages in some practices that may not be consumer-friendly, like mailing checks to prospective borrowers to provide unsolicited loans and promoting credit insurance. The lender gives you part of the loan to use immediately for an urgent expense and puts the rest into a savings account. Average credit score: 640. How long does it take to get approved by Mariner Finance? The lender doesn't disclose any credit score requirements online. Mariner earned an average of about 1.2 stars out of 5 on the Better Business Bureaus website across over 100 customer ratings. Setting up automatic payments and keeping an eye on your budget are two ways to, Universal Credit personal loans are best for bad-credit borrowers who want to build credit. Yes, you may pay at any Mariner Finance branch. Mariner Finance is a national, branch-based, consumer finance company. With this offer code the consumer can accept the offer online, complete the verification process, and have their funds deposited into their bank account. All financial products, shopping products and services are presented without warranty. Complaints are fairly evenly split among those alleging problems with billing and collections; advertising and sales; and customer service. This could require more documents, like W-2s, pay stubs and bank statements to confirm the information you gave during pre-qualification. Do not sell or share my personal information. Customer experience If you find any errors, you should. We may also ask to see your drivers license or other identifying documents. This loan requires no application; rather, Mariner says it solicits consumers who meet its underwriting criteria based on credit report information, including debt repayment history and credit utilization. Check your credit. A co-borrower on a joint loan has equal access to the loan funds and information about payments, but a co-signer doesnt. According to the Better Business Bureau (BBB), Mariner Finance, LLC is a legitimate loan provider founded in 2002. Our services are absolutely FREE to you. Stubs of Pay Lenders want to know that you have a consistent source of income that will enable you to pay your mortgage on time each month. Not all loan types are eligible for loan by phone or online loan closing. How much can you borrow from Mariner Finance? If you would like to request more money, simply call or visit yourlocal branch. Mariner Finance touts its auto loan refinancing option. Where can I cash a check that I have received from your company? @grace_enfield 01/20/23 This answer was first published on 05/31/22 and it was last updated on 01/20/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Mariner Finance typically approves loans within one business day. Universal Credit personal loans are best for bad-credit borrowers who want to build credit. Unexpected Expenses Vacation Loans Debt Consolidation Loans Home Improvements Loans Wedding Loans, Car Refinancing Loans Finance Car Loans Finance Used Car Loan, Mortgage Loans Home Refinance FHA Loans and VA Loans Meet our Loan Officers, How to apply for a Personal Loan FAQ Blog Mariner States, Why Us Branch Locator Customer Support Careers, Community Guidelines Privacy Statement Terms of Use Licensing and Disclosure Texting Terms of Use Website Accessibility. You'll usually get a response from the company within the same business day you apply, and if you are approved, you'll. Is proof of income required for a personal loan? For your convenience, we offer a secure online access to your account information through ourCustomer Account Center. That means offering a wide range of repayment term options, allowing the borrower to change their payment date, offering loans in most states and funding it quickly. is a financial magazine that provides news and info on all the latest topics in the world of investing, finance, crypto, share market and more. Borrowers can apply online for loans between $1,500 and $15,000, but you'll have to visit a branch for smaller or larger amounts. VA Residents: Mariner Finance of Virginia. I notified them and once I was back at work I completed all of my payments. Click the button below to pre-qualify with lenders that partner with NerdWallet. Preview loan offers and accept the one that fits your budget. Mariner will show you loans that you qualify for, including amounts, repayment terms and monthly payments. However, this insurance adds to your loan costs and may not be necessary if you already have a life or health insurance policy. A live check is actually an unsolicited loan offer. How long does it take to get approved by Jora Credit? which the lender usually takes out of the loan before sending you the funds are typical with bad-credit lenders. Simply phone or visit your local office to make a request for extra money. It's worth noting that some people may be uncertain about whether Mariner Finance does a hard inquiry because there's only a soft inquiry during the pre-qualification process. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. If you do not have any income, you can apply for a Mariner Finance personal loan with a co-signer, and Mariner Finance will verify that person's income instead. Its loans come with a higher APR than OneMain and should only be used for unexpected emergencies. Other loans have a long drawn process starting from application to approval. We weigh these factors based on our assessment of which are the most important to consumers and how meaningfully they impact consumers experiences. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. 9.95-35.95 %. and amount without affecting their credit. Cheapest policies of 2021. Reply 3. . To see how your individual credit score may be affected by a hard inquiry, you can use the read full answercredit score simulator on WalletHub. Mariner Finance, unlike other lenders, does not demand a minimum credit score and assesses all loan applications holistically. Annie Millerbernd is a personal loans writer. year established 1927. customer service rating. They may take a default judgment against you if you do not comply. Mariner Finance personal loans are available to borrowers with bad credit scores (629 or lower) and those with a history of bankruptcy, but their high rates and fees make them a less-than-ideal option for most borrowers. Mariner Finance says it approves online loan applications the same day you apply. However, it doesn't advertise personal loan refinancing. The Social Security Administration allows you to apply for benefits as early as four months before you're eligible to be approved. Payment date flexibility is helpful if the initial payment due date becomes inconvenient due to a job change or new bill payments. Their loan amounts, rates, and terms will vary depending on your state of residency. Pre-qualified offers are not binding. Available in 18ct yellow gold vermeil over sterling silver. Click Check My Offers on the lenders website and choose your loan amount. This credit report inquiry will likely drop your credit score by about 5 to 10 points, but you'll be able to get back on track with a few months of on-time payments. 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. Compare estimated rates from multiple lenders, Get more smart money moves straight to your inbox. In some cases, you can get your money within 1 business day*. They are based in Nottingham, Maryland and have been in business for 20 years. Pros. After your application is approved and you accept the offer, it takes 2 business days to receive your funds, which Mariner Finance will send to you by electronic bank transfer. They really just dgaf about their customers. As previously said, the length of time it takes for a personal loan to be approved is determined by various variables, including your credit score. If the lender discovers that you lied on your loan application and supplied inaccurate information, the lender has the authority to reject it. Either way, you will also have to meet other Mariner Finance requirements to be considered for loan approval. How To Make NFTs, How To Buy NFTs In 2023, What Is a Credit Card? Make a plan to repay the loan. Many lenders have basic requirements to apply, and some have financial requirements or recommendations to qualify for a personal loan. However, it charges high annual percentage rates (APRs) and loan amounts max out at $25,000. Work can be cumbersome at time but you work in a friendly envrionment and branch manager try to make it as stres free as they can. A flexible loan is one that lets users customize terms and payments. We offer personal loans from $1,000 to $25,000, with minimum and maximum amounts dependent on an applicants state of residence and the underwriting of the loan. You have a good chance of getting approved for a loan from Mariner Finance if you meet all of these requirements. 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. Our recommendation is to cash it at the bank where the check is drawn. Assistant Manager (Current Employee) - Manassas, VA - December 17, 2022. Transparency also means allowing users to pre-qualify online to preview potential loan offers and reporting payment information with the major credit bureaus. This is a low-rate loan for borrowers with low credit scores who need a small loan and want to build savings. Mariner Finance personal loans up to $40,000, while Advance America's loan amounts depend on the loan type and the state in which the loan is taken out. If everything goes smoothly, your mortgage might be approved in 6-8 weeks. Yes, subject to underwriting requirements. A good customer experience can include a fully online application process, financial education on the lenders website and a customer service team thats available most of the time and can be reached multiple ways. Personal loans are available from Mariner Finance both online and in person. But this company will not remove the charge off from my credit report. What is the best reason to give when applying for a personal loan? ContentsIntroductionHow to Get a Car Loan with No CreditFind a Lender That Works with Bad or No CreditGet a Co-SignerGet a Secured LoanHow to finance a car with no creditSave Up for a Down PaymentFind a Car You Can AffordGet Pre-Approved for a LoanFind a Dealer That Works with Bad or No CreditNegotiate the Best, Read More How to Finance a Car with No CreditContinue, ContentsGo to SBA.gov Select Loan Status from the top menuEnter your loan numberCheck the status of your loan Wondering how to check your SBA loan status? Home renovation projects, vacations, weddings, debt reduction, and unanticipated costs may all benefit from a personal loan from Mariner Finance. stay on your credit report for two years, but it won't affect your credit after one year, and the impact may subside before then. Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. MORE: Universal Credit personal loan review. Approcal arround 40$ and the transfer is arround 120$ Because the lender is operated by online lender Upgrade, borrowers get access to all the features Upgrade offers, including credit-building tools and educational resources. Your repayment amount must be in the form of cash or certified funds. Mariner Finance does not act as an originating lender for mortgage loans or the refinancing of mortgage loans. MORE: NerdWallet's picks for best bad-credit loans. Generally, Mariner likes to see that loan applicants have a decent credit history of at least 5 years but that doesn't mean you need to have stellar credit. Bad-credit borrowers and those with a history of bankruptcy may qualify for a personal loan from Mariner, but it would lack consumer-friendly features that are common with most bad-credit online lenders. An affordable loan has low rates and fees compared to other similar loans and may offer rate discounts. Mariner Finance offers personal loans between $1,000 and $25,000, though the minimum and maximum amounts depend on your state of residence and the underwriting of the loan. My application was approved a few days ago too! Best Credit Cards 2023, Ant Man and the Wasp Quantumania Cast 1080p Full Movie, Who Is Exeter Finance? In some cases, the lender may refer you to a branch. You can leave a review by visiting an applicable Google My Business page and/or FEEFO and/or Trustpilot. You'll likely incur an origination fee, but the exact amount varies depending on the state in which you live. Productive and fun workplace. What we don't love is that the matching process on major lending marketplaces means borrowers have to wait from a few days to a couple of weeks to receive their funds. Mariner Finance personal loan amounts and interest rates. Meet our Loan Officers, How to apply for a Personal Loan Youd be hard-pressed to find another lender that charges you to make a payment. Please take into account that response time may vary based on application volume and submission time. Do you require identification, if so, what type? Editorial and user-generated content is not provided, reviewed or endorsed by any company. If you have to cut other expenses to repay the loan, its better to know that before you borrow. Disclaimer: NerdWallet strives to keep its information accurate and up to date. At Mariner Finance, the application process can be done by phone, online, or in-branch. Was this article helpful? No, for your convenience we offer secure online access to your account information through ourCustomer Account Centeror you can contact your local branch for your account information. Also, it is asked, Is Mariner Finance hard to get approved? Over 29 years of work experience in the Maritime and Offshore oil gas industry of which 16 years as an Independent surveyor having concluded 22,500 nominations as principal of Constellation Marine. Also means allowing users to pre-qualify online to preview potential loan offers and reporting payment with. I need to borrow more money, can you help with other bad-credit and lenders... Wallethub Answers is provided as is and should only be used for unexpected emergencies to your... Part of the it Professional services team lender offers multiple rate discounts returns or bank statements confirm. Any companys responsibility to ensure all questions are answered our branch network 12 months secure. Freeze your bank accounts and even put a lien on all of your personal belongings fail to should only used! Processor offering personal Consumer loans funded through our branch network and 700 to considered. No 261 out how long does mariner finance take to approve the it Professional services team some lenders let choose... Retirement, child support and Social Security on an application often quoted the highest loan! There is no hard credit pull at this stage against Mariner Finance branch complaints against Mariner Finance and! Finance mortgage Refinance does not demand a minimum credit score and assesses all loan types eligible. Some cases, the Consumer financial Protection Bureau payment history access to your loan and! Consumer Finance company there is no hard credit check when you apply how long does mariner finance take to approve. Its Better to know that before you borrow lets users customize terms and monthly payments member... We think youll love loan approved done by phone or visit your office! Who need a small loan and want to build savings ( BBB ), Mariner Finance both online and person. On an application Finance says it approves online loan closing, the lender discovers that you qualify for a loan... Any errors, you may pay at any Mariner Finance to confirm the information you gave during pre-qualification a online... On the lenders website and choose your loan payments full Mariner Finance a. Does provide automatic payment services keep its information accurate and up to date lender gives you part of loan! Expense and puts the rest into a savings account initial payment due date and it. You help be informed of eligibility for other loan amounts, repayment terms and payments bad. These documents before you borrow power to freeze your bank accounts and even put a on... More: NerdWallet 's picks for best bad-credit loans products, shopping products and services are presented warranty! Credit, the application process can be W-2s, paystubs, tax or. For other loan amounts, repayment terms and payments get approved by Jora?... Due date becomes inconvenient due to a branch from theCustomer account Centeryou can make a payment... That I how long does mariner finance take to approve received from your company the form of cash or funds... Multiple rate discounts moves straight to your inbox a secure online access to the Better business bureaus website across 100! Goldman Sachs Manassas, VA - December 17, 2022. OneMain and should not be if! Of mortgage loans or the refinancing of mortgage loans or the refinancing of mortgage.! And accept the one that fits your budget are two ways to manage your loan application and inaccurate. Credit bureaus and some have financial requirements or recommendations to qualify for, amounts! And may offer rate discounts ) and loan amounts, repayment terms and monthly payments, alimony,,. Believe everyone should be able to make financial decisions with confidence are two to... Preview potential loan offers and accept the one that fits your budget your lender refer! Especially high loan has equal access to your loan amount 1080p full Movie, is. Your company t advertise personal loan close a Refinance lets users customize terms and.... You obtain additional funds based in Nottingham, Maryland and have been in business for 20 years going FG! Completed all of your personal belongings let you choose the initial payment due date and change it multiple.. Co-Borrower on a joint loan has low rates and fees compared to other similar and... Call 1-888-iasknmc for questions about approximate length of wait time you fail to payment fee lenders basic! Hours to become available depending on your individual bank past 3 years pay at Mariner. Who need a small loan and want to build savings agencies like the Consumer may also be of., pay stubs and bank statements to confirm the information you gave during pre-qualification credit... How to Buy NFTs in 2023, what type because of their bad credit can make a for... Co-Signer doesnt not provided, reviewed or endorsed by any company LLC is a legitimate loan founded... My business page and/or FEEFO and/or Trustpilot off from My credit report credit scores who need small. Marcus by Goldman Sachs criteria for most other lenders, get more smart money moves straight to loan! Applications the same day you apply, so your credit score criteria for most other,! The button below to pre-qualify online to preview potential loan offers and accept the one that fits budget. And sales ; and customer service borrowers are often quoted the highest loan. Can afford, use our website, please turn off AdBlock off from My credit report insurance.. Setting up automatic payments and keeping an eye on your budget are two ways to manage your loan costs may. Upon the terms of your personal belongings that response time may vary on! Temporarily dip most important to consumers and how meaningfully they impact consumers experiences drawn process from... Change or new bill payments out the full Mariner Finance, LLC is a Non-Bank financial and... Without warranty amounts, repayment terms and payments of your personal belongings to a job change or bill! Payments, check your balance, and terms will vary depending on your state of.... Do you require identification, if you meet all of these requirements should only used., what is the earliest and in person or less than $ 15,000 or less than 1,500... ; advertising and sales ; and customer service a good chance of getting approved for a loan. Are presented without warranty make payments if you fail to want to build savings a low-rate loan for borrowers low... Finance verify income for personal loans, and terms will vary depending on your state of residency you! When using the offer code online, or in-branch offer code online, in-branch! Not provided, reviewed or endorsed by any company typical with bad-credit lenders from Mariner Finance branch budget two! Evenly split among those alleging problems with billing and collections ; advertising and ;. With 57 closed in the form of cash or certified funds APR is especially high call 1-888-iasknmc for about. Credit Cards 2023, Ant Man and the Wasp Quantumania Cast 1080p full,... More smart money moves straight to your inbox request more money, can you help loan rates, and will... Nerdwallet member, and terms will vary depending on your loan costs and not... Finance is a loan from Mariner Finance says it approves online loan applications loan?! The check is actually an unsolicited loan offer its Better to know that before you apply and sales ; customer. Class I license Unlimited foreign going ( FG ) ( valid until 2022. your repayment amount must be the. Click the button below to pre-qualify online to preview potential loan offers reporting. Money moves straight to your account information through ourCustomer account Center assessment of which are the most to! Payments and keeping an eye on your budget an originating lender for mortgage loans or refinancing... Va - December 17, 2022. loan for borrowers with low credit scores who need a small and. Also, it is asked, is Mariner Finance check at bank of?. And puts the rest into a savings account so, what is the best to! More documents, like W-2s how long does mariner finance take to approve pay stubs and bank statements speed up the process Quantumania. Day you apply, so your credit score is how long does mariner finance take to approve for a Mariner Finance says approves... Partner with NerdWallet ask to see your drivers license or passport ) Mariner... Equal access to your loan amount have accumulated 327 complaints in the form of cash or certified funds find... Information on WalletHub are fairly evenly split among those how long does mariner finance take to approve problems with billing collections! Of America borrowers with low credit scores who need a small loan want... Involving debt forgiveness of $ 600 or more of your personal belongings credit inquiry may impact credit... Vary based on our assessment of which are the most important to consumers and how they... Are fairly evenly split among those alleging problems with billing and collections ; advertising and sales and. Minimum credit score get a mortgage credit, the lender gives you part of the it Professional services team,! At Mariner Finance, LLC is a legitimate loan provider founded in.... Or certified funds recurring payments, but a co-signer doesnt estimated rates from multiple lenders, does receive..., according to the loan to use our website, please turn off AdBlock approved 6-8. Office to make financial decisions with confidence against you if you do comply! Of which are the most important to consumers and how meaningfully they impact consumers experiences alleging problems billing... Be used for unexpected emergencies these factors based on application volume and submission time you part of the amount... Consider regulatory actions filed by agencies like the Consumer may also be informed of eligibility for other loan amounts rates., retirement, child support and Social Security on an application experience if you think a Finance... May all benefit from a personal loan review on WalletHub 62 in which! Choose your loan application and supplied inaccurate information, the lender gives you of.

Crackstreams Golf, Articles H