Marcus by Goldman Sachs: an honest look at the rates and the fine print
Marcus offers straightforward, no-fee personal loans backed by Goldman Sachs, with a deferral perk for on-time borrowers. It is a clean choice for mid-to-strong credit, though it does not lend for every purpose and has pulled back from parts of the consumer market — check current availability.
Marcus by Goldman Sachs
Personal loans · Bank · NMLS #208156 · Founded 2016
- Personal loan APR9.99–24.99%
- Loan amounts$3,500–$40,000
- Terms36–72 months
- Origination feeNone
- Min credit score660 (est.)
- Funding time1–4 business days
Independent profile. Loans Advisor is not affiliated with, or compensated by, this lender.
Where Marcus by Goldman Sachs fits
Strengths
- No fees whatsoever
- On-time payment reward (deferral)
- Backed by a major institution
Watch-outs
- Lower maximum loan amount
- No co-applicants
- No secured or joint options
Best for
Based on its rates and products, Marcus by Goldman Sachs is most relevant if you're looking at:
Figures are researched from public rate sheets and regulatory filings and change often — verify current terms with Marcus by Goldman Sachs before applying. Loans Advisor is not affiliated with, or paid by, Marcus by Goldman Sachs, and earns no referral fee from this profile.