Marcus by Goldman Sachs Review
Goldman Sachs' consumer lending brand offers no-fee personal loans with competitive rates and a unique on-time payment reward.
APR Range
8.99% – 25.99%
Loan Amount
$3,500 – $40,000
Min. Credit
660
Funding Speed
1 – 4 business days
Marcus by Goldman Sachs Personal Loan Review
Marcus brings Goldman Sachs' financial expertise to consumer lending with a straightforward, no-fee personal loan product. Their standout feature is the on-time payment reward: make 12 consecutive on-time payments, and you can defer one payment (interest still accrues, but it provides flexibility). There are absolutely no fees — no origination, no late, no prepayment penalties. Marcus requires good credit but offers very competitive rates in return.
Best For
Good-credit borrowers who want zero fees and payment flexibility
Pros
- No fees whatsoever
- On-time payment reward (defer a payment after 12 consecutive payments)
- Competitive rates for good credit
- Backed by Goldman Sachs
- No impact on credit for pre-qualification
Cons
- Minimum credit score of 660
- No co-signer or joint applications
- Maximum loan of $40,000
- No mobile app for loan management
Loan Details
| APR Range | 8.99% – 25.99% |
| Loan Amounts | $3,500 – $40,000 |
| Repayment Terms | 36 – 72 months |
| Minimum Credit Score | 660 |
| Funding Speed | 1 – 4 business days |
| Fees | No origination fee. No late fee. No prepayment penalty. |
Key Features
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Compare Other Lenders
| Lender | APR Range | Loan Amount | Min. Score | Funding | Rating | |
|---|---|---|---|---|---|---|
| SoFi Borrowers with good credit who want zero fees | 8.99% – 25.81% | $5,000 – $100,000 | 680 | Same day to a few days | Check Rate | |
| LightStream Excellent credit borrowers wanting the absolute lowest rates | 7.49% – 25.49% | $5,000 – $100,000 | 700 | Same day (with bank account verification) | Check Rate | |
| Upgrade Fair-credit borrowers who want flexibility and joint applications | 9.99% – 35.99% | $1,000 – $50,000 | 580 | 1 – 5 business days | Check Rate | |
| Best Egg Good-credit borrowers who need fast funding | 8.99% – 35.99% | $2,000 – $50,000 | 640 | Same day to next business day | Check Rate | |
| Avant Borrowers with average credit (580–700) who need fast funding | 9.95% – 35.99% | $2,000 – $35,000 | 580 | Next business day | Check Rate |
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Marcus by Goldman Sachs at a Glance
- Rating
- APR
- 8.99% – 25.99%
- Amount
- $3,500 – $40,000
- Min. Score
- 660
- Funding
- 1 – 4 business days