Marcus by Goldman Sachs Personal Loan
Marcus by Goldman Sachs offers no-fee personal loans ranging from $3,500 to $40,000 with fixed rates and an on-time payment reward.
Last checked on June 2, 2026. We may earn a commission when you click through.
This loan is a choice for borrowers seeking flexible terms without hidden fees.
Marcus by Goldman Sachs Personal Loan
Updated 4 days agoAt a Glance
Representative APR
8.99–29.99%
Loan Amount
$3,500–$40,000
Term
36–72 mo
Decision
—
About this 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.
Our Verdict
This loan is a choice for borrowers seeking flexible terms without hidden fees.
Best For
Best for those looking for a no-fee personal loan with manageable repayment options.
Watch Out
note that APRs can reach up to 29.99%, making it costly for some.
What Customers Say
Borrowers appreciate the straightforward application process but express concerns over high APRs.
Expert Analysis
If you're considering a personal loan, Marcus by Goldman Sachs offers loans from $3,500 to $40,000 with fixed rates and no sign-up or prepayment fees. Their APR ranges from 8.99% to 29.99%, which can be steep for borrowers with lower credit scores. The loan term spans 36 to 72 months, providing flexibility in repayment.
Unlike many competitors, Marcus offers an on-time payment reward, which can help reduce the overall cost of the loan. However, the higher end of their APR range might deter those with less-than-ideal credit scores, as it can significantly increase total repayment amounts. For comparison, other lenders may offer better rates for those with good credit.
It's essential to explore all options before committing, as Marcus has discontinued this loan offering as of January 2023. If you were hoping for immediate access to funds, consider alternatives like SoFi or LightStream, which may have more . According to Marcus' official page, checking your rate won't impact your credit score, which is a plus for those looking to compare offers.
You'll be redirected to marcus.com
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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