Welcome to Marcus! We love friendly referrals!

Personal loans from Marcus are designed to be simple.

  • There are No Fees. Ever.
  • APRs are fixed (so there’s no guessing what you’ll pay)
  • You can see options in as few as 5 minutes

Personal loans from Marcus are designed to be simple.

  • There are No Fees. Ever.
  • APRs are fixed (so there’s no guessing what you’ll pay)
  • You can see options in as few as 5 minutes

Since you’ve been invited to apply by a friend, you and your friend could each earn $100 Amazon gift cards. (See Terms.)

Online Savings Account with Referral Bonus

New customer:

Current customer:

Good things are meant to be shared

When a Marcus deposits customer refers a new Marcus customer, both could earn an additional 0.20% Annual Percentage Yield (APY) on their Online Savings Accounts for 3 months. And a customer can receive up to 5 Referral Bonuses per calendar year. Scroll to learn more or see full offer terms.

New to Marcus? When you open a new Online Savings Account, there’s no delay—you can refer friends right away and be on the way to an even better rate. 

Online Savings Account with Referral Bonus

with Referral Bonus

Annual Percentage Yield (APY) as of December 08, 2021. APY may change at any time before or after account is opened. Minimum balance limits apply.

Online Savings Account with Referral Bonus

New customer:

Current customer:

Loans $3,500 - $40,000

APRs 6.99% to 19.99%

Fees $0

APRs 6.99% to 19.99%

Fees $0

Loans $3,500 - $40,000

Good to know: Your friend will know if you’ve signed a loan agreement if you apply through this page. Learn more.

Rates range from 6.99% to 19.99% APR, and loan terms range from 36 to 72 months. Only the most creditworthy applicants qualify for the lowest rates and longest loan terms. Rates will generally be higher for longer-term loans. Learn more.

How to get your Amazon gift card

There are three steps to receiving the bonus
Step 1

Tell us about yourself

and we'll customize your personal loan options based on your input

Step 2

If you’re approved, sign the loan agreement

and receive the funds. Your friend receives their digital gift card

Step 3

Make your first loan payment

You receive your digital gift card

It takes minutes to see your loan options. Seeing your loan options won’t affect your credit score.

Frequently Asked Questions

Marcus Personal Loan Referral Bonus Program Terms

THE PERSONAL LOAN REFERRAL BONUS DESCRIBED BELOW IS VALID FROM JUNE 15, 2021 THROUGH AUGUST 14, 2021 (THE “OFFER PERIOD”).

Existing Customers
As an existing Marcus by Goldman Sachs personal loan customer, you can receive a Referral Bonus (defined below) after a New Customer (as defined below): (i) uses your unique referral link to submit a completed personal loan application during the Offer Period; and (ii) the New Customer’s personal loan application is approved, the New Customer signs their loan agreement and we disburse their loan proceeds (a “Successful Referral”).

After a Successful Referral, you will receive a $100 Amazon digital gift card (“Referral Bonus”). The Referral Bonus will be sent to the e-mail address associated with your existing Marcus personal loan account within sixty (60) days of the New Customer signing their loan agreement. You can earn a maximum of five (5) Referral Bonuses in each calendar year. 

New Customers
If you have not previously had a Marcus by Goldman Sachs personal loan or MarcusPay loan, are over 18 (19 in Alabama, 21 in Puerto Rico and Mississippi) with a valid U.S. bank account and Social Security or Individual Tax I.D. Number (a “New Customer”), you can receive a Referral Bonus when you use an existing customer’s unique referral link to submit a completed personal loan application during the Offer Period. You will receive your Referral Bonus if your loan application is approved, you sign your loan agreement, we disburse your loan proceeds, and you make your first monthly payment. The Referral Bonus will be sent to the e-mail address associated with your new Marcus loan account within sixty (60) days of your first monthly payment.

By using an existing customer’s unique referral link to apply for a personal loan, you acknowledge that the existing customer whose unique referral link you use may know that you applied for and were approved for a loan. If you wish to avoid this, do not apply for a Marcus personal loan through a unique referral link.

General
This program is not open to New Customers or existing customers residing in the state of Vermont.

We reserve the right to terminate or modify this program at any time without notice, which could include changing the type of bonus awarded or the amount of any bonus.  If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, including but not limited to the use of your personal referral link in a way that could constitute an unsolicited commercial e-mail, you will not be eligible for this offer.

Your participation in this program may result in miscellaneous income received from Goldman Sachs Bank USA and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Income) or Form 1042-S (Foreign Person’s U.S. Source Income Subject to Withholding) for the year in which you participate and are awarded the benefits of the program.  You are responsible for any tax liability related to participating in the program.  Please consult your tax advisor if you have any questions about your personal tax situation.

Redemption of Amazon gift card is subject to Amazon’s gift card terms and conditions. For more information, visit amazon.com/gc-legal

Marcus by Goldman Sachs® is not affiliated with Amazon and the products offered by Amazon are not Marcus products.

Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC, which are subsidiaries of The Goldman Sachs Group, Inc. All loans and deposit products are provided by Goldman Sachs Bank USA, Salt Lake City Branch.