Marcus by Goldman Sachs Personal Loan

No-fee personal loans from $3,500 to $40,000 with fixed rates. No sign-up, prepayment, or late fees. On-time payment reward.

Last checked on May 16, 2026. We may earn a commission when you click through.

Marcus by Goldman Sachs offers no-fee personal loans, but their APR range can be steep for some borrowers.

✓ No sign-up, prepayment, or late fees ✓ On-time payment rewards available ✓ Flexible loan amounts from $3,500 to $40,000

Personal Marcus by Goldman Sachs

Marcus by Goldman Sachs Personal Loan

Updated 17 hours ago

At a Glance

Representative APR

8.99–29.99%

Loan Amount

$3,500–$40,000

Term

36–72 mo

Decision

—

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About this loan

Marcus by Goldman Sachs offers no-fee personal loans with competitive fixed rates, making it a solid choice for borrowers with good credit.

Our Verdict

Marcus by Goldman Sachs offers no-fee personal loans, but their APR range can be steep for some borrowers.

Best For

This loan is best for those with good credit looking for flexible terms without extra fees.

Watch Out

Be mindful of the high APRs, which can reach up to 29.99%, making it costly for some borrowers.

What Customers Say

Borrowers have mixed feelings, with some appreciating the no-fee structure but others concerned about high APRs.

Expert Analysis

With loan amounts ranging from $3,500 to $40,000, Marcus by Goldman Sachs provides a straightforward borrowing option. The lack of sign-up, prepayment, or late fees is appealing for borrowers who want to avoid hidden costs.

While the APR starts at 8.99%, it can go as high as 29.99%, which may not be the best deal for those with lower credit scores. This makes it crucial for potential borrowers to consider their creditworthiness before applying.

Unlike some competitors, Marcus rewards on-time payments, which could be beneficial for responsible borrowers. However, the loan terms can be longer, ranging from 36 to 72 months, which might not suit everyone.

Additionally, the company has stopped taking applications as of January 2023, so potential borrowers should explore alternatives. For those needing quick cash, options like SoFi or LightStream may offer better rates and terms, especially for lower credit scores.

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Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.