Vacation Loans

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You want a vacation — one you’ve been planning for a while. But how do you pay for it?

If you have good credit, a vacation loan may be a good way to finance your travel. 

What is a vacation loan?

It works like this:

A vacation loan from Marcus by Goldman Sachs® is an unsecured personal loan. The money from the loan can be used for anything related to a vacation.

You receive your loan amount in a lump sum and then pay it back in equal monthly payments.

Your monthly payments are made with interest for the duration of the loan.

It’s that simple.

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A vacation loan is a personal loan intended to fund travel expenses. The lender provides funds, which are then paid back in equal monthly installments over the life of the loan. Use it to pay for a romantic honeymoon, an island-hopping cruise or a road trip down the coast. It’s up to you. After all, it’s your vacation.

How do you use a vacation loan?

A vacation loan from Marcus works the same way as a personal loan. The only difference is that it is intended to fund travel expenses.

Many Marcus customers receive their funds within 5 days — meaning you won’t have to wait long to start booking flights and begin planning your itinerary.

One major bonus to using a vacation loan is that loans from Marcus have fixed rates and a fixed term. This means you’ll always make the same payment every month without any fees or fluctuating interest rates over the life of the loan.

Possible ways to use your Marcus vacation loan:

Book air travel

Book land travel

Reserve hotel rooms or a bed-and-breakfast

Purchase travel insurance

Hire a tour guide

Pick up a parka for your trip to Alaska

Plan special dinners

Buy new swimsuits for those tropical locations

Go horseback riding

Try camel riding

Swim with the dolphins

Arrange scuba diving classes

Get new luggage

Enjoy exciting new food you discover along your journey

Marcus Travel Tip:

Ever heard of jump-off cities? These are cities or destinations that are close to each other. All you have to do is fly into one, and you can have two unique adventures all on the same trip. An example of this would be flying into San Francisco to explore the city and then renting a car to explore the wine country or even seeing Big Sur, home to some of the most beautiful vistas in California.

Benefits of a Marcus vacation loan:

No fees. Ever.

No sign-up fees. No late fees—you just pay interest for the additional days. No prepayment fees. No fees, period.

Fixed rates for the life of your loan.

Your interest rate is fixed, so you won’t have to worry about changing rates over the life of the loan or fluctuating monthly payment amounts.

Easy online application process.

The application process is easy — compared to packing your suitcase, that is. Many Marcus customers receive their funds within 5 days.

Loan amounts up to $20,000.

Marcus vacation loans are available from $3,500 to $20,000 with terms from 3 to 6 years.

Get started with Marcus

How do I get a vacation loan from Marcus?

The application process for getting a Marcus vacation loan is simple and takes less time than finding someone to watch your dog while you’re away.

To apply on, all you need to provide is the information requested, such as your Social Security number, address and income.

Then, in as little as 5 minutes, you can see your loan offers and if you qualify, select the fixed-rate loan that suits your needs.

That’s it.

Vacation loans packing list:

Before you apply for your loan, keep these things in mind:

Check your credit score.

Your approval for the loan is based on multiple factors, including your creditworthiness, so it’s a good idea to see where you’re at.

Figure out how much you need for your trip.

Do some preliminary research to determine a good dollar amount to apply for.

Determine how much you can afford to pay each month.

Examine your finances to see how much, with your income and expenses, you can realistically afford to pay monthly.

Read first, apply later.

It’s always a good idea to read up on your options before jumping into a loan.

Get started with Marcus vacation loans

Regardless of what kind of vacation fits your budget, consider whether a Marcus loan could be right for you.