If you have a good credit score and are looking for a personal loan with fair rates and flexible payments, the Marcus by Goldman Sachs Personal Loans is a solid option. You can get up to $40,000 with a variety of loan terms that range from 36 to 72 months. We’ll tell you exactly how you can take advantage of these terms by showing you how the Marcus by Goldman Sachs Personal Loans application works next.

The Marcus by Goldman Sachs Personal Loans has a fixed APR between 6.99% and 19.99% based on creditworthiness. Best of all, you won’t have to worry about fees since the company doesn’t charge them. If you want to learn how to borrow from Marcus, keep reading this article and we’ll show you how to do it. 

The online Marcus by Goldman Sachs Personal Loans application is easy and you can pre-qualify with just a soft credit check. In under four minutes the company will present you with your loan options and you can even get approved in less than a day. Once you’re approved, you could receive your funding in just 3 business days.

First, you need to access Marcus’ official website and click on “review your options”. On the next page, you have to inform the loan amount you need and how much you can afford in monthly installments. Below that field, you’ll need to select a reason as to why you need to borrow the money.

Then, you’ll have to tell the company a little more about yourself and fill in the required fields. This part of the process serves as an evaluation of your financial profile and has no impact on your credit score. After filling all the required information, click on “find my loan options”. 

Marcus will then show you all the offers available to you, including the terms and fixed rates. If you agree to their conditions, you’ll have to provide a little more financial information and officially apply for the loan. After submitting your application, the bank should return with details of your approval and provide you with the documents you need to sign before funding you the money. 

If you’d rather request a personal loan through the official app, you can. Just download the Marcus by Goldman Sachs® app – available for free for Android and iOS devices – and follow the same steps listed on the topic above. The Marcus by Goldman Sachs Personal Loans application via their mobile app is just as easy and fast as applying through your internet browser. 

If you’d like to know other options before applying for a Marcus Personal Loan, we bring you the Merrick Bank Personal Loan. Even though it offers less benefits than the Marcus loan, the Merrick alternative is available for applicants with a fair credit score. 

See below to learn more details about the Merrick Bank Personal Loan main features and follow the recommended link to check the application process.