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How to Change the Payment Due Date on Your Marcus Personal Loan

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One of the benefits of a Marcus Personal Loan is the ability to change your loan payment due date. You can change your payment due date up to three times over the lifetime of your loan, giving you the flexibility to better manage your monthly payment to fit your budget. 

This feature is designed to make repayment on your Marcus loan as easy as possible. In this article, we’ll cover when and why it may make sense to change your loan payment due date, and how to do so on 

Reasons to consider changing your payment due date 

Life is different for everyone. A full-time, salaried employee may need a different payment date then a self-employed freelancer, since her pay schedule will vary. With a Marcus Personal Loan, you can strategically organize your loan payment due date around your own schedule.

Organizing your monthly income inflows and expense outflows may help you avoid budgeting mistakes that have adverse financial effects, including overdraft fees from your personal checking account, or late payment fees with respect to other bills. (Side note: another perk of Marcus Personal Loans is that there are no late fees.) Paying bills late also may result in a late payment report to the credit bureaus, not to mention added stress.

To determine your ideal loan payment due date, start by creating a list of the dates you receive income each month and how much income you receive on those dates. Income can include various types of payments from an employer, a pension account or investment income. Then list your monthly expenses and when they are due. These expenses can include rent, utilities, your Marcus loan, any other credit obligations and any discretionary spending. 

From there, align your income receipt dates and bill due dates in a way that provides you the flexibility you require and helps you avoid missed and late payments. 

How to change the payment due date 

If you want to change your payment due date, you can always log into your account at to change it at

From there, you will be able to select your preferred due date. Make sure your changes are saved and the refreshed page shows your new payment due date and when it will take effect. 

The rules around changing your payment due date

Before changing your payment due date on a Marcus loan, here are a few general guidelines to keep in mind:

  • To use this feature, your account must be current. You cannot use this feature while you have any past due amounts, during any payment deferral or during your final monthly payment period.
  • You can change the due date up to three times during the life your loan. 
  • After you request your payment due date change, you will be notified when the change will take effect.

Please refer to your Installment Loan Agreement for all of the rules regarding payment due date changes. You can find a copy of your loan agreement on your customer profile when you log-in to

Other tips to consider 

Pairing up two Marcus features – selecting your preferred payment due date and Marcus AutoPay – can be a great way to customize your loan payment due date and make payments easier. With AutoPay, you can ensure your bills are paid on time every month. By selecting your own payment due date, you can make sure the day your Marcus loan is paid on the best day for you. 

This article is for informational purposes only and is not a substitute for individualized professional advice. Individuals should consult their own tax advisor for matters specific to their own taxes and nothing communicated to you herein should be considered tax advice. This article was prepared by and approved by Marcus by Goldman Sachs, but does not reflect the institutional opinions of Goldman Sachs Bank USA, Goldman Sachs Group, Inc. or any of their affiliates, subsidiaries or division. Goldman Sachs Bank USA does not provide any financial, economic, legal, accounting, tax or other recommendation in this article. Information and opinions expressed in this article are as of the date of this material only and subject to change without notice.  Information contained in this article does not constitute the provision of investment advice by Goldman Sachs Bank USA or any its affiliates. Neither Goldman Sachs Bank USA nor any of its affiliates makes any representations or warranties, express or implied, as to the accuracy or completeness of the statements or any information contained in this document and any liability therefore is expressly disclaimed.

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