Marble Financial is a company that was established in 2016. It is comprised of financial technology experts whose goal is to empower Canadians and help them reach their optimal financial health. Through their MyMarble platform, Marble Financial offers Canadian’s solutions that can help them rebuild their credit.
MyMarble is a financial wellness platform that uses AI to provide recommendations and plans to help you take action to improve your financial health. MyMarble’s recommendations are personalized and data-driven which means that they will accurately fit your lifestyle. This, in turn, will empower you to follow your step-by-step financial plan and see real improvements in your financial health. Based on your unique financial journey and your goals, you can choose the MyMarble Community or MyMarble Premium plan.
Maestro is a free online platform where you can access different courses that can better your financial understanding. There are 25 modules that will help you learn about major financial topics such as budgeting, debt, and credit. Moreover, all the material was designed with the consumer in mind and offers practical skills that you can apply in real life.
Point Deduction Technology is available to those consumers who choose to sign-up for MyMarble Premium. MyMarble Premium combines an AI-driven solution that provides personalized recommendations to specifically help you improve your credit score. Machine learning, AI, and Point Deduction Technology© are used to create a personalized and accurate path to success, that allows you to reach your credit goals, whatever they may be.
Marble also offers debtors the opportunity to exit their consumer proposals with a FastTrack loan that can put them back on the path toward a brighter financial future and a better credit score. Their FastTrack loan is meant to help you exit an active consumer proposal by financing your payments as early as possible. In fact, their goal is to get you debt-free within 24 months. Moreover, the Fast-Track Loan comes with interest rates between 18.99% to 24.99% and they help you manage any legal documentation.
The Secured Future Credit Plan is not a cash loan – it’s a savings program and a tool to help improve credit. This program is designed with the consumer in mind It has created a credit improvement solution that is not only affordable but also helps you save some cash. With the Secured Future Credit Plan, the monthly payments you make will be reported to both the credit bureaus (Equifax & TransUnion), which in turn will help improve your credit.
Moreover, each payment you make will be contributing towards building your own savings fund. By the end of the program, you’ll have saved up $2,000 or $3,000 cash (depending on the saving option you choose), which you can withdraw with no fuss.
T&Cs apply. Find out more at MyMarble.
| Saving Options | $2,000 or $3,000 |
| APR | 23.0373% – 27.3390% |
| Term | 36 Months |
| Fees | $400 – administration fee |
| Eligibility Plus Documents Required | – Must be a BC or Ontario resident – Must be the age of majority in your province – Must have a government-issued ID |
| Unsecured Loan Amount | $2,400 | $3,400 |
| APR (Includes $400 administration fee) | 27.3390% | 23.0373% |
| Term | 36 months | 36 months |
| Monthly Payment | $82.01 | $116.19 |
| Total Saved | $2,000 | $3,000 |
MyMarble is an online platform that is available to all Canadians excluding Quebec. You must be the age of majority or above in your respective province or territory.
MyMarble has two different plans to choose from. You can sign-up monthly, or for 3 months (save 10%), 6 months (save 15%), or 1 year (save 25%). You can find more about pricing at mymarble.ca.
Regardless of where you are in your financial journey, MyMarble has a plan that can help you achieve your financial goals. Choose between the MyMarble Community and MyMarble Premium plans. Each of these options includes access to Learn from Marble, Explore & Learn, your credit score and summary, a budget analysis, and credit and banking insights.
Get inspired, feel empowered and share your experiences with the MyMarble community. Gain access to your credit score, receive a breakdown of your monthly income and explore your recommendations to help you improve and understand your finances. Begin by taking our quiz, access your personalized journey with Explore, and improve your financial literacy with Learn from Marble. The Marble Community is here whenever you need us.
With the MyMarble Premium Plan, you’ll have access to advanced recommendations which will help you reach your goals in the quickest way possible. You’ll also get access to our Point Deduction Technology© to help you improve your credit score. The goal of this technology is to make sure you work within your budget and lifestyle to create a target credit score that is attainable to achieve based on your credit history and financial plan.
Point Deduction Technology©, Points and Budget Simulators are used to analyze your credit report to create a fast and clear path to build your credit score. Real-time recommendations can be used to change your financial habits and help positively affect your credit score. With MyMarble Premium you will also gain access to your credit report.
Here are a few positive things MyMarble has to offer:
Loan Range | Rate & Terms | Product Details | Eligibility | Requirements & Documents | |
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The Secured Future Credit Plan |
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Fast-Track Consumer Proposal Exit Loan | Up to $20,000 |
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Product Details | |
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Boost | Improve your credit score with a MyMarble subscription called Boost. When you subscribe to Boost, you'll enroll in a program where you'll make small monthly payments of $29.99 for 12 months. Each payment will be reported to the credit bureau, which will positively affect your payment history and thus your credit score. You'll also gain access to MyMarble Premium, which gives you access to advanced and personalized recommendations on how to build your credit, repay your debt and manage your budget. |
MyMarble Premium – $29.99 per month | With the MyMarble Premium Plan, you'll have access to the Beginner, Intermediate, and Advanced recommendations which will help you reach your goals in the quickest way possible. You'll also gain access to our Point Deduction Technology© to help you improve your credit score. The goal of this technology is to make sure you work within your budget and lifestyle to create a target credit score that is attainable to achieve based on your credit history and financial plan. Point Deduction Technology©, Points and Budget Simulators are used to analyze your credit report to create a fast and clear path to build your credit score. Real-time recommendations can be used to change your financial habits and help positively affect your credit score. You will also gain access to your credit report and track errors and omissions on it too. |
Community – Free | The Freemium option is best suited for consumers who are curious about starting their financial journey and want to know more about how they can start. With the Freemium Plan, you'll receive Beginner Recommendations to help you understand your finances and how MyMarble can help you. |
Marble Financial has a user-friendly website and is quite an accessible lender. There are plenty of ways to get in touch with it – a 1 800 number, email and contact form, chat service, Facebook messenger and an office in Vancouver. It has an active blog and a basic FAQ. The only area it’s lacking is in third-party website reviews.
Application simplicity
Reputation
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Information and transparency
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Leon provided me with outstanding customer service. He took the time to communicate with me after hours. He answered all of my questions and provided ... read more
Leon helped me all the way to make sure I will be approved, great experience, totally recommendable to those people wants to get away from consumer pr... read more
So happy l took the decision to call back Leon Bakalinsky and l was surprised l have a chance to pay off my CP instead of file a bankruptcy to solve m... read more
Leon helped me I was nervous in the beginning he was very knowledgeable and confident and had a fun personality made my experience less stressful and ... read more
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