Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (2022)

You're invited to apply for a personal loan with:

  • No Fees
  • Fixed Rates
  • Convenience and flexibility

Take a look below to see if you're eligible:

View Your Options

Loans up to

$40,000

Enroll in AutoPay & Save

0.25%

Fees

$0

See if you're eligible for a personal loan from Marcus

Loans up to

$40,000

Enroll in AutoPay & Save

0.25%

Fees

$0

  • No Fees:Our personal loans have no sign-up fees, no late fees and no prepayment fees. Personal loans from $3,500-$40,000.
  • Fixed APR:Fixed rates for the life of your personal loan. Our personal loans have fixed rates so you know exactly how much you owe each month.Rates range from 6.99% to 24.99% APR.For NY residents, rates range from6.99% to 24.74% APR.
  • On-Time Payment Reward: Pay your loan on time and in full every month for 12 consecutive months and you can skip a month. Interest will not accrue during this time, we'll just extend your loan for one month.

AutoPay Discount: Receive a .25% APR reduction when you enroll in AutoPay. This reduction will not be applied if AutoPay is not in effect. When enrolled, a larger portion of your monthly payment will be applied to your principal loan amount and less interest will accrue on your loan, which may result in a smaller final payment. See loan agreement for details.

Rates range from 6.99% to 24.99% APR, and loan terms range from 36 to 72 months.For NY residents, rates range from 6.99% to 24.74%. Only the most creditworthy applicants qualify for the lowest rates and longest loan terms. Rates will generally be higher for longer-term loans. See our rate disclosure. for details.

Payment deferral: After making 12 or more consecutive monthly payments, you can defer one payment as long as you have made all of your prior payments in full and on time. We will waive any interest incurred during the deferral, and extend your loan by one month (you will pay interest during this extra month). Your payments resume as usual the month after the deferral. You must request a deferral at least 16 days before the payment you want to defer is due.

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Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (2)

Tell us about yourself

We'll customize your personal loan options based on your input.

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (3)

Choose your personal loan

Explore your personal loan options, and pick one that suits your budget and time frame.

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (4)

Complete your application

Add a few details to verify your identity and finalize your personal loan application.

Review Your Options

See what our customers say about Marcus personal loans

Types of Personal Loans

Consolidating multiple balances into one monthly payment with a Marcus personal loan could simplify your finances and, if you qualify for a lower interest rate, even save you money.

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A home improvement personal loan from Marcus can help make your place feel a little more you and may help increase the value of your home — without the fees, the appraisal or the hassle. The application process is easy.

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From the perfect venue to the right caterer, wedding expenses can really add up. A personal loan from Marcus could help you and your loved one usher in your new life together.

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Starting a new chapter in your life should be exciting, not stressful. A personal loan may help cover costs associated with moving, which can provide extra peace of mind.

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A little time away is a great way to refresh. A personal loan from Marcus could help you handle vacation costs.

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How a Marcus personal loan stacks up

Many other lenders take up to 5% out of your loan for a sign-up fee. With a personal loan from Marcus the amount you're approved for is the amount you'll receive.

Lending Club

Prosper

Discover

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (10)

Lending Club

Prosper

Discover

Direct Payment to Credit Card

Learn more about our

disbursement policy

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (11)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (12)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (13)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (14)

No Sign-Up Fee

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (15)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (16)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (17)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (18)

No Late Fees

Learn more about

paying late

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (19)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (20)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (21)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (22)

On-Time Payment Reward

Learn more about

On-Time Payment Reward

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (23)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (24)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (25)

Personal Loans | Fixed Interest Rates | Marcus by Goldman Sachs® | Marcus by Goldman Sachs® (26)

Competitor information from company websites as of 8/10/2022

Still have questions?Get in-depth answers about our personal loans.Visit our FAQs

Learn More About Personal Loans

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