As of Jan. 6, 2023, Marcus by Goldman Sachs stopped offering personal loan products through Bankrate. It is also pulling back from unsecured personal loans on the whole, though existing loans will still be serviced by the bank.

Marcus — the online branch of Goldman Sachs Bank — also still offers savings products and credit cards. For those interested in an online personal loan like those Marcus provided, there are plenty of lenders to choose from that offer similar services and competitive rates.

Alternatives to Marcus by Goldman Sachs loans

While shopping around will help you find the best personal loan for your financial situation, here are a few online lenders that offer similar APR ranges and eligibility requirements to Marcus personal loans.


SoFi is a great option for borrowers who make a steady, decent income, have a good credit score and a positive repayment history. SoFi’s loan amounts range from $5,000 to $100,000 and it has optional origination, prepayment or late payment fee terms— allowing you to tailor your payments to your needs. Plus, the lender offers prequalification which allows you to check your eligibility odds and predicted rates without impacting your credit.


LightStream offers a wide range of loan amounts and repayment terms, making it ideal for borrowers who need to consolidate high interest debt or take on large home improvement projects.

The lender boasts a low APR, but it does require a good to excellent credit profile to qualify. If you don’t meet the eligibility criteria, you can enlist the help of a joint applicant to boost your approval odds or to score a more competitive rate.


Formerly known as Freedom Plus, Achieve is an online lender that offers personal loans up to $50,000. It offers competitive rates for the most creditworthy borrowers, but has a relatively low credit requirement of 640.

Plus, the lender allows for joint loans and is known for its speedy application process and same-day approval. However, it does have a high minimum amount and depending on your loan amount and repayment term, you may be on the hook for an origination fee.

Why doesn’t Marcus by Goldman Sachs offer personal loans anymore?

Marcus hasn’t publicly disclosed why it shut its doors on personal loan products. However, a 2022 Bloomberg report asserts that the online branch of Goldman Sachs Bank has been scaling back its consumer lending division. “Consumer lending is being reigned in,” the report read. “While the bank will keep credit-card partnerships, it will be very selective about adding to the list.”

As of now, Marcus will continue to offer saving accounts and credit cards through its online portal.