View OfferSecure site · Updated July 2026
- APR range
- 9.99%–24.99%
- Loan amount
- $3.5K–$40K
- Min. credit score
- 660
- Funding time
- 2–5 business days
Why it stands out
Marcus by Goldman Sachs highlights
- Direct creditor payoff for consolidation loans
- No origination, late, or prepayment fees at all
- On-time payment reward defers one payment penalty-free
- Flexible terms from 36 to 72 months
The verdict at a glance
Pros and cons
Pros
- Backed by Goldman Sachs with clear, transparent terms
- Pick your own monthly due date
- Solid rates for prime borrowers consolidating balances
Cons
- Caps out at $40,000, below the market's top lenders
- Funding can take a few business days
- No co-signer or joint application option
Our full review
Our take on Marcus by Goldman Sachs
Marcus keeps it simple: fixed-rate, no-fee loans with a direct-pay option that sends funds straight to your old creditors. Hit twelve on-time payments and you can defer one month interest-free.
Advertiser disclosure: Finmatchly may earn a commission when you visit a partner. This never affects our editorial rankings. Learn more
Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Marcus by Goldman Sachs’s own site before you apply.
The alternatives
How Marcus by Goldman Sachs compares
Other top-rated lenders in Personal Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | APR range | Best for | |
|---|---|---|---|---|---|
| 1 | SoFi | 8.99%–29.49% | Strong-credit borrowers who want extras | See Rates | |
| 2 | LightStream | 7.49%–25.99% | Excellent-credit borrowers chasing low APR | See Rates | |
| 3 | Upstart | 7.80%–35.99% | Thin or fair credit files | See Rates | |
| 4 | Best Egg | 6.99%–35.99% | Mid-tier credit and secured options | View Offer |
- SoFi4.9Best for Strong-credit borrowers who want extras
- LightStream4.8Best for Excellent-credit borrowers chasing low APR
- Upstart4.4Best for Thin or fair credit files
- Best Egg4.3Best for Mid-tier credit and secured options