Marcus by Goldman Sachs – Personal Loan
Marcus by Goldman Sachs offers no-fee personal loans with fixed rates, on-time payment rewards, and the backing of one of Wall Street's most trusted names.
Applying does not obligate you to accept a loan offer.
Marcus by Goldman Sachs Personal Loan
Marcus is the digital consumer banking arm of Goldman Sachs Bank USA. Personal loans through Marcus are popular for transparent terms, no fees, and a unique on-time payment reward that lets you defer a payment after 12 consecutive on-time payments.
Marcus Loan Terms
Loan amounts range from $3,500 to $40,000 with terms from 36 to 72 months. There are no fees: no origination, no late fees, no prepayment penalties.
✓ Pros
- No origination or late fees
- Reliable Goldman Sachs backing
- Fixed payments
- Payment deferral benefit
✗ Cons
- Maximum loan only $40,000
- Requires good credit
- No joint applications
Loan Example
Example: $15,000 loan for 60 months at 12.99% APR = monthly payment of $341.32, total payable $20,479.20.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US citizen or permanent resident
- ✓ Valid US bank account
- ✓ Credit score 660+
- ✓ Verifiable income
Loan Features
- No fees of any kind
- Fixed-rate loans only
- On-time payment reward
- Defer a payment after 12 on-time months
- Backed by Goldman Sachs
Frequently Asked Questions
1-4 business days after submitting your application.
The minimum amount at Marcus by Goldman Sachs is $3,500 USD.