Marcus by Goldman Sachs
FeaturedPaidNo-fee personal loans from Goldman Sachs with on-time payment rewards
🔗Debt ConsolidationAbout Marcus by Goldman Sachs
Marcus by Goldman Sachs offers unsecured personal loans from $3,500 to $40,000 with no fees of any kind — no sign-up fee, no origination fee, no prepayment fee, and no late fee. The standout feature is the on-time payment reward that lets borrowers who make 12 consecutive on-time payments defer one payment without interest accruing. Marcus is backed by the trusted Goldman Sachs brand and provides a clean, straightforward digital experience for debt consolidation and other personal loan needs.
What's Great
- ✓Absolutely no fees — origination, prepayment, late, or otherwise
- ✓On-time payment reward lets you skip a payment after 12 consecutive payments
- ✓Backed by the credibility and financial strength of Goldman Sachs
- ✓Direct payment to creditors available for debt consolidation loans
- ✓Clean, simple digital experience with fast pre-qualification
Watch Out For
- !Maximum loan amount of $40,000 is lower than competitors
- !No co-signer or joint application option
- !Funding takes 3-4 business days — slower than same-day competitors
- !Not available for education-related expenses
Common Use Cases
Debt consolidator wanting a no-fee loan with direct creditor payments
Responsible borrower who values the on-time payment skip reward
Conservative borrower preferring the backing of a major bank like Goldman Sachs
Pricing Model
Paid
Paid subscription required. Check the website for current pricing and free trials.
Category
Debt Consolidation
Combine multiple debts into a single loan with a lower interest rate.
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