7 Loans Like Marcus by Goldman Sachs: Alternatives for 2026

LightStream is the online lending arm of Truist Bank. It has some of the lowest rates, starting at 9.99% APR for a 24-month loan — a lower starting rate than Marcus. And its Rate Beat Program offers a 0.10% discount on any competitor's offer on an unsecured loan if the offer meets certain conditions.

Same-day funding is also available, but it's tough to qualify if you don't have good or excellent credit (660-plus). There's also no preapproval process to check your rate first. Save this for when you've qualified for other loans and think you can get a better deal.

• Not available in: Iowa, West Virginia

• Why we like it

  LightStream is the online lending arm of Truist Bank. It has some of the lowest rates, starting at 9.99% APR for a 24-month loan — a lower starting rate than Marcus. And its Rate Beat Program offers a 0.10% discount on any competitor's offer on an unsecured loan if the offer meets certain conditions.

  Same-day funding is also available, but it's tough to qualify if you don't have good or excellent credit (660-plus). There's also no preapproval process to check your rate first. Save this for when you've qualified for other loans and think you can get a better deal.

• Pros and cons

  Pros

  • Loans up to $100,000
  • 0.50% autopay discount
  • Potential same-day turnaround
  • Rate Beat Program

  Cons

  • No prequalification process
  • High $5,000 minimum loan amount
  • May need good credit to qualify

• More details

  Loan amount	$5,000 to $100,000
  APR	Varies by loan purpose
  Interest Rate Type	Fixed
  Min. credit score	Good to excellent credit
  Turnaround Time	As soon as same day
  Loan Term	Up to 20 years for home improvement; 2–7 years for most other purposes

• Partner terms and conditions

  Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
  
  Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
  
  Maximum APR for a LightStream loan is 25.79%. Loan terms range from 24 - 240 months depending on the loan type.

Upgrade has one of the lowest minimum borrowing amounts amongst personal lenders, requiring you to borrow a minimum of only $1,000 — Marcus required a minimum loan amount of $3,500. Upgrade's application and funding are also notoriously quick, and it has stellar customer reviews.

With a low credit score of just 580 needed to qualify, Upgrade is available to borrowers with fair credit. Marcus, on the other hand, preferred credit scores in the high 600s. But Marcus didn't have any fees, while Upgrade charges late payment fees and an origination fee of 1.85% to 9.99%.

• Not available in: Colorado, Iowa, Maryland, Vermont, West Virginia

• Why we like it

  Upgrade has one of the lowest minimum borrowing amounts amongst personal lenders, requiring you to borrow a minimum of only $1,000 — Marcus required a minimum loan amount of $3,500. Upgrade's application and funding are also notoriously quick, and it has stellar customer reviews.

  With a low credit score of just 580 needed to qualify, Upgrade is available to borrowers with fair credit. Marcus, on the other hand, preferred credit scores in the high 600s. But Marcus didn't have any fees, while Upgrade charges late payment fees and an origination fee of 1.85% to 9.99%.

• Pros and cons

  Pros

  • Low $1,000 minimum loan amount
  • Low 580 credit score requirement
  • Fast application and turnaround time
  • Great customer reviews

  Cons

  • High 1.85% to 9.99% origination fee
  • $10 late fee
  • Requires $1,000 in income after bills

• More details

  Loan amount	$1,000 to $50,000
  APR	7.74% to 35.99% (includes origination fee)
  Interest Rate Type	Fixed
  Min. credit score	580
  Turnaround Time	1 to 4 business days
  Loan Term	2 to 7 years

• Partner terms and conditions

  Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

Upstart could be a better fit than Marcus if you're just starting to build your credit. Upstart has a unique underwriting process, taking your education and work history into account alongside your credit score.

It also offers a wider range of loan amounts, from $1,000 to $75,000, while Marcus only offered loans from $3,500 to $40,000. But Upstart has higher rates than Marcus used to offer — rates range from 6.3% to 35.99% compared to 6.99% to 24.99% for Marcus. Plus, Upstart charges an origination fee that can reach as high as 12%.

• Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

• Why we like it

  Upstart could be a better fit than Marcus if you're just starting to build your credit. Upstart has a unique underwriting process, taking your education and work history into account alongside your credit score.

  It also offers a wider range of loan amounts, from $1,000 to $75,000, while Marcus only offered loans from $3,500 to $40,000. But Upstart has higher rates than Marcus used to offer — rates range from 6.3% to 35.99% compared to 6.99% to 24.99% for Marcus. Plus, Upstart charges an origination fee that can reach as high as 12%.

• Pros and cons

  Pros

  • Accepts fair credit
  • Factors in alternative criteria
  • Loans as low as $1,000

  Cons

  • Higher APRs than Marcus
  • Origination fee up to 12%

• More details

  Loan amount	$1,000 to $75,000
  APR	6.30%–35.99% (includes any origination fee)
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the next business day
  Loan Term	3 or 5 years

OneMain Financial doesn't have any clear-cut credit score requirements. It's also one of the few personal lenders that accepts cosigners and coapplicants. Marcus didn't accept cosigners and preferred borrowers with credit scores of at least 660.

While OneMain Financial does consider any credit score, plan on high rates starting at 11.99%. There's also an origination fee of 1% to 10%, plus late payment and NSF fees. OneMain Financial might be your best chance of getting a personal loan if you have poor credit — just be sure to shop around first because it's not the cheapest option out there.

• Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

• Why we like it

  OneMain Financial doesn't have any clear-cut credit score requirements. It's also one of the few personal lenders that accepts cosigners and coapplicants. Marcus didn't accept cosigners and preferred borrowers with credit scores of at least 660.

  While OneMain Financial does consider any credit score, plan on high rates starting at 11.99%. There's also an origination fee of 1% to 10%, plus late payment and NSF fees. OneMain Financial might be your best chance of getting a personal loan if you have poor credit — just be sure to shop around first because it's not the cheapest option out there.

• Pros and cons

  Pros

  • Considers all credit scores
  • Great customer reviews
  • Offers secured personal loans
  • Accepts cosigners

  Cons

  • Higher APRs than Marcus
  • Origination fee up to 10%
  • $5 to $30 late fee

• More details

  Loan amount	$1,500 to $30,000
  APR	11.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24 – 60 months

• Partner terms and conditions

  You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral.  
   
  Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
   
  OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees.
   
  Current OneMain Customers:  Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates.  If a customer applies for a new loan offer, a OneMain representative will discuss available options.
   
  Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral.  If you are covered by the MLA, you are not eligible for secured loans.
   
  Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
   
  Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

Prosper is a peer-to-peer (P2P) platform that offers rates starting at 8.99% APR. A P2P platform is an online marketplace where borrowers connect with individual investors looking to fund loans. Prosper offers next-day funding, no prepayment penalties and a quick application process.

Its starting rate is just a bit higher than what Marcus offered, but it has a slightly lower credit score requirement of 640. Prosper also features a lower minimum borrowing amount of $2,000 compared to Marcus's $3,500. But unlike Marcus, Prosper charges an origination fee of 1% to 9.99% plus late fees that are either $15 or 5% of the amount due.

• Not available in: Iowa, North Dakota, West Virginia

• Why we like it

  Prosper is a peer-to-peer (P2P) platform that offers rates starting at 8.99% APR. A P2P platform is an online marketplace where borrowers connect with individual investors looking to fund loans. Prosper offers next-day funding, no prepayment penalties and a quick application process.

  Its starting rate is just a bit higher than what Marcus offered, but it has a slightly lower credit score requirement of 640. Prosper also features a lower minimum borrowing amount of $2,000 compared to Marcus's $3,500. But unlike Marcus, Prosper charges an origination fee of 1% to 9.99% plus late fees that are either $15 or 5% of the amount due.

• Pros and cons

  Pros

  • Low starting APR
  • Low 640 credit score requirement
  • Lower minimum amount than Marcus
  • Quick online application

  Cons

  • Origination fee of 1% to 9.99%
  • Late fee of $15 or 5% of the amount due

• More details

  Loan amount	$2,000 to $50,000
  APR	8.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as 1 business day
  Loan Term	2 to 5 years

• Not available in: Iowa, Vermont, West Virginia

• Why we like it

• Pros and cons

  Pros

  • Positive customer reviews
  • Accepts fair credit borrowers
  • Get funds as fast as one business day

  Cons

  • Origination fee from 0.99% to 9.99%
  • Hard to qualify if self-employed
  • Not for poor credit borrowers

• More details

  Loan amount	$2,000 to $50,000
  APR	6.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as the next business day
  Loan Term	36 to 60 months (unsecured); 60 to 84 months (home-secured)

• Partner terms and conditions

  *Trustpilot TrustScore as of April 2025. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender, Column N.A., Member FDIC, Equal Housing Lender, or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/

Avant is a highly rated lender with an application that's more friendly to self-employment borrowers than your average lender. It also accepts fair credit scores as low as 550. Rates range from 9.95% to 35.99%, so it doesn't offer lower rates than Marcus, but it's a decent alternative for self-employed borrowers because Marcus loans didn't always accept self-employment income.

Avant also has great customer reviews, with many customers praising the fast process, quick funding and helpful staff. On the other hand, Avant has more fees than Marcus — expect an origination fee of up to 9.99% and late fees if you miss a payment.

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• Why we like it

  Avant is a highly rated lender with an application that's more friendly to self-employment borrowers than your average lender. It also accepts fair credit scores as low as 550. Rates range from 9.95% to 35.99%, so it doesn't offer lower rates than Marcus, but it's a decent alternative for self-employed borrowers because Marcus loans didn't always accept self-employment income.

  Avant also has great customer reviews, with many customers praising the fast process, quick funding and helpful staff. On the other hand, Avant has more fees than Marcus — expect an origination fee of up to 9.99% and late fees if you miss a payment.

• Pros and cons

  Pros

  • Accepts self-employed borrowers
  • Low 550 credit score requirement
  • Great customer reviews

  Cons

  • Origination fee up to 9.99%
  • $25 late fee
  • Higher rates than Marcus

• More details

  Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

• Partner terms and conditions

  Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.