How Personal Loans Work

With Marcus by Goldman Sachs®, you select a loan amount and a desired monthly payment. We'll give you options for a fixed-rate, no-fee loan. 

Tell us about yourself

We’ll check your creditworthiness to create your loan options. But don’t worry, this step won’t affect your credit score.

No sign-up fees, no late fees, no prepayment fees. Ever. We make money on interest.

Choose your loan option

Explore your loan options and choose one that suits your budget and timeframe.

With tailored monthly payment options, a loan from Marcus is designed to fit your schedule and budget.

Submit your application

Add a few details to verify your identity and finalize your loan application. This step may impact your credit score.

Lower, fixed interest rates help you save more and pay off your higher-interest debt faster.

Take the next step toward a brighter financial future.

If you’re approved, provide a bank account and e-sign your loan documents to receive your funds. Then you can customize your payment schedule by changing your due date to one that's right for you.

Still have questions?

Get in-depth answers about our personal loans.

We’re here to help

Loan specialists are available Monday to Friday from 8 am - 10 pm E.T. and Saturday to Sunday from 9 am - 7 pm E.T.