5 best loans like Marcus by Goldman Sachs | finder.com
Marcus by Goldman Sachs® logo

5 best loans like Marcus by Goldman Sachs

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

The best alternative providers to Marcus by Goldman Sachs for personal loans.

Marcus by Goldman Sachs might be new to the personal loans scene, but it’s rocketed to the top since its launch in recent years. In such little time, it’s already originated $3 billion in loans and now offers other financial products like savings accounts and CDs.

Even though Marcus has the advantage of Goldman Sachs’s experience, you might be looking for a more popular loan provider or one that can offer more options.


  • Backed by a big firm
  • No fees
  • Specializes in debt consolidation
  • Discounted interest rates for US servicemembers


  • Harder to qualify with self-employment income
  • Potentially high late payment charges
  • Not available in Maryland

Click here to see Marcus by Golden Sachs

sofi logo

1. SoFi

This online lender has a lot in common with Marcus, though it’s best known for student loan refinancing. And while you can’t open a savings account or CD with SoFi, it does offer a serious bundle of perks with your loan. These include career and financial advice, networking opportunities, unemployment protection and even an entrepreneur program for borrowers who want to start their own business.

If Marcus sounds great but doesn’t offer a loan large enough for your needs, SoFi might be a better choice. It lets you borrow anywhere between $5,000 and $100,000. It also doesn’t charge any fees — including late fees — but manages to charge fixed rates ranging from 6.990% – 14.865% and variable rates from 6.255% – 12.555% with an autopay discount. It also slightly one-ups Marcus when it comes to how long you have to pay back your loan, offering loan terms from 3 to 7 years.

Both Marcus and SoFi are for high-credit borrowers and market themselves toward high-paid young professionals with good or excellent credit. But Marcus might be a better pick if you only need to borrow a few thousand dollars. And while SoFi might offer loans in Maryland — where Marcus doesn’t — you can’t qualify with the lender if you live in Nevada or Mississippi.


  • Career support
  • Loans up to $100,000
  • No fees
  • Competitive rates


  • No loans under $5,000
  • Not available in Mississippi or Nevada

2. Prosper

Loans through Prosper start at $2,000 and cap at $40,000 — slightly smaller than what you’d find with Marcus. APRs start lower but end higher than Marcus’s, ranging from 6.95%–35.99%.

Prosper might not give you as much time as Marcus to pay back your loan, with terms ranging from 3 to 5 years. Its APRs mostly depend on your credit score, while Marcus considers other facets of your personal finances when making its decision. Prosper also isn’t available in Iowa, North Dakota or West Virginia.

Prosper helped bring peer-to-peer (p2p) lending to the US in 2005, along with LendingClub. It also offers healthcare financing, where you can get up to $100,000 if you have a credit score of 740 or higher.


  • Lower starting APR
  • Healthcare financing
  • No prepayment penalties


  • APR largely depends on credit score
  • Smaller loan amounts
  • Not available in Iowa, North Dakota or West Virginia

3. LendingClub

Peer-to-peer lender LendingClub might have come to the scene a couple years after Prosper, but like Marcus it’s had a meteoric rise. Now, it’s one of the most influential lenders in the country, offering business loans, healthcare financing and car loan refinancing in addition to its standard personal loans. It’s won several awards and is fifth place on Forbes’ list of America’s Most Promising Companies of 2014.

LendingClub gives borrowers access to a wider range of loan amounts than Marcus, starting at $1,000 and capping at $40,000. It offers loan terms of 3 to 5 years, one year less than Marcus. Both require borrowers to have a high credit score.

LendingClub loans might not be quite as cheap as Marcus’s, however, with APRs ranging from 6.16%–35.89% . This could be due to the fact that LendingClub charges an origination fee of 1% to 6% of the loan amount, depending on your credit rating.


  • Award-winning lender
  • Loans as low as $1,000
  • Offers several different types of loans
  • No prepayment penalties


  • Potentially higher rates
  • Origination fee
  • Not available in Iowa or West Virginia

4. Upgrade

Upgrade is only slightly older than Marcus, but has really taken technological innovation to the next level. Where Marcus is more reserved, combining traditional and startup approaches to lending, Upgrade could arguably be even more of an innovator. It’s partly led the charge on using blockchain technology to secure and speed up the user experience, and it’s making a shift toward looking at new types of data like cash flow when deciding if you’re eligible — rather than just your credit score. It’s also recently launched a new line of credit.

Upgrade offers both larger and smaller loan amounts than Marcus, starting at $1,000 and stopping at $50,000. Plus, its loans come with borrower perks like access to educational resources and free credit monitoring.

They’re slightly more expensive, though, with APRs ranging from 6.99%-35.97%. These include an origination fee of 1% to 6% — which Marcus doesn’t charge. Loan terms are also capped at one year shorter than Marcus’s, with a choice between either 3 or 5 years. Like Marcus, Upgrade isn’t available in Maryland — but you also can’t qualify if you live in Connecticut, Colorado, Iowa, Massachusetts, Vermont or West Virginia with this lender.


  • Loans from $1,000 to $50,000
  • Lines of credit available
  • Free credit monitoring
  • No prepayment fees


  • Origination fee
  • Less competitive rates
  • Not available in CT, CO, IA, MA, MD, VA or WV

even financial logo

5. Even Financial

Even Financial is the only loan connection service on this list. Unlike Marcus, it doesn’t provide loans directly, but can instead put you in touch with a lender you could qualify with — including Upgrade, LendingClub and Prosper. It’s designed to help busy borrowers who don’t have the time to make a comparison on their own find a competitive choice — and doesn’t necessarily come with Marcus’s high credit requirements.

In fact, you only need a credit score of 580 to qualify with a lender through Even, though higher scores typically give you more competitive choices. It’s hard to beat the range of financing its providers offer, starting as low as $1,000 and capping at $100,000. Its rates have a wider range as well, with APRs from 4.99%–35.99%. You can find lenders offering loan terms of 2–7 years — a wider range than Marcus offers.

But using Even means you’re limited to its network of partners, meaning that you could be missing out on some really awesome deals from other lenders. And while its service is technically free, you could end up getting phone calls, emails and other offers from partner lenders even after you’ve taken out a loan. It’s also important to keep in mind that you aren’t guaranteed to qualify for every lender you’re connected with.


  • Prequalify with several lenders at once
  • Good credit not required
  • Wider range of loan amounts


  • Potentially higher rates
  • Not guaranteed to qualify
  • Calls from partner lenders

Compare more personal loan providers

Rates last updated September 21st, 2018

Reveal your potential loan offers and rates

Answer two quick questions to filter the loan offers and get the best one for you.

Select your credit score range

I don't know my credit score

Finally, select where you live.

To get your credit score:

Experian logo

Experian is a leading provider of personal and business credit reporting. Find out your FICO score now for less than the cost of a cup of coffee.

Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
Name Product Product Description Min. Credit Score Max. Loan Amount APR
Credible Personal Loans
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
Good to excellent credit
4.99%–36% (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
3.09%–35.99% (fixed)
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
4.99%–35.99% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
6.16%–35.89% (fixed)
SoFi Personal Loan Fixed Rate (with Autopay)
No fees. Multiple member perks such as community events and career coaching.
6.990% – 14.865% (fixed)
Payoff Personal Loans
Pay down your debt with a fixed APR and predictable monthly payments.
5.99%–24.99% (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
34%–155% (Varies by state) (fixed)
Best Egg Personal Loans
A prime lender with multiple repayment methods.
640 FICO®
5.99%–29.99% (fixed)
FreedomPlus Personal Loans
Consolidate debt and more with these low-interest loans. Cosigners welcome.
4.99%–29.99% (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
16.05%–35.99%* (fixed)

Compare up to 4 providers

Anna Serio

Anna Serio is a staff writer untangling everything you need to know about personal loans, including student, car and business loans. She spent five years living in Beirut, where she was a news editor for The Daily Star and hung out with a lot of cats. She loves to eat, travel and save money.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

US Personal Loans Offers

Important Information*
Even Financial Personal Loans

Get connected to competitive loan offers instantly from top online consumer lenders.

Prosper Personal Loans

Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

LendingClub Personal Loan

A peer-to-peer lender offering fair rates based on your credit score.

SoFi Personal Loan Fixed Rate (with Autopay)

No fees. Multiple member perks such as community events and career coaching.

Go to site