Marcus by Goldman Sachs is an online financial services platform that offers lending, investment, and savings products. Here are some key things to know about Marcus:
A+ BBB rating
3.1/5 average rating among users
Available in all 50 states and the District of Columbia
Offers personal loans, debt consolidation loans, home improvement loans, credit cards, savings accounts, and investment services
Marcus personal loans have low minimum APRs, low fees, a quick funding timeline and a good reputation. Marcus is an online division of Goldman Sachs, a multinational investment bank.
The APRs on Marcus personal loans range from 6.99% - 24.99%. There aren’t too many other lenders that have minimum APRs lower than 6.99%. And while the maximum of 24.99% may initially seem high, it’s not too bad compared to similar lenders that may charge as much as 36%. Plus, Marcus has a 0% origination fee, None prepayment fee, and None late fee. Therefore, if you get a Marcus personal loan with a low APR, it really is that cheap – you won’t have to worry about paying extra in fees.
There are only two real downsides to Marcus personal loans. The first is that you can’t apply with a co-signer. And the second is that you won’t be able to get a loan with subpar credit. You will need a 660 FICO score to qualify, reportedly.
Marcus by Goldman Sachs Review Highlights:
Marcus loan rates:6.99% - 24.99%
Origination fee:0%
Late fee:None
Loan sizes:$3,500 - $40,000
Payment timelines:36 - 72 months
Approval time: 1 to 2 business days, usually
Funding time: 1 to 4 business days after approval
Reputation: Marcus holds an A+ rating from the Better Business Bureau and an average user rating of 3.1/5 on WalletHub.
Marcus loan requirements: 660+ FICO credit score, Social Security number or Individual Taxpayer Identification number, 18+ years old, open U.S. bank account.
It’s easy to see why Marcus personal loans score well with WalletHub. If you’re interested, you can use WalletHub’s free pre-qualification tool to get a sense of your odds of approval with Marcus and other popular lenders. Below, you can see how WalletHub rates Marcus in our three key categories: Terms, Requirements & Application, and Reviews & Transparency.
Marcus Ratings by Category:
Category
Editor’s Rating
Terms
4.6/5
Requirements & Application
4/5
Reviews & Transparency
3.5/5
Overall Score
12.1/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: Marcus by Goldman Sachs Personal Loans
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John S @J507734
All I have with them is a small loan, but what I don't like is their ridiculous rule that you can only get e-statements if you have the payments automatically withdrawn from a checking account. So I can only be eco-friendly if they have access to my credit union account every month? Otherwise I have to deal with paper statements? Auto-pay is not convenient for everyone.
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Marcus by Goldman Sachs
David Delano @davidd40
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1 Star Rating
The amount of fraud that happens with Apple Card is crazy; you need to monitor your account every day to make sure you aren't charged for things you haven't purchased.
Decreases your credit based on factors that have nothing to do with the creditworthiness of the account holder. Never had my credit decrease by over 50% based on everything else they could find wrong, yet never mentioned I did anything derogatory on this account.
I would give Goldman zero stars if that were an option. I had called Goldman Sachs about a December 2025 card balance which they billed via ACH to my Citi checking account. I asked them to reverse the charge because I was not aware that autopay was turned on, nor did I ever authorize it. Goldman refused to reverse the charge. I then asked the customer service representative to turn off autopay and she told me that she did. So, I had to spend half an hour on the phone with Citibank to stop payment to Goldman and initiate a dispute for the charge. Then today I found out that autopay had not been turned off, and by scrolling through menu options, I found an option for turning autopay off, which I did. In my opinion, Goldman Sachs' egregious behavior violates consumer protection laws. I would never consent to autopay being turned on and the customer service representative did not turn off the autopay when she told me she did. And refusing to reverse a charge to my bank account that was initiated by autopay is not dealing in good faith with the customer. I now do not trust the Goldman credit card operation and will not be using their credit card for any further purchases.
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Product: Marcus by Goldman Sachs Credit Cards
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Marcus by Goldman Sachs
jay johnson @orsinij1975
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1 Star Rating
A Stern Warning About the Apple Card The Apple Card has proven to be one of the worst credit cards I have ever used. What initially seemed like a sleek, integrated product from a trusted tech giant is, in reality, a predatory financial tool designed to extract every possible cent in interest from customers.
The interest rates on this card are absolutely ridiculous. Despite its tech-forward presentation and "Daily Cash" perks, the underlying APR can be absurdly high for many users. It ensnares individuals in a vicious cycle of debt where the interest charges quickly outpace any rewards earned.
Furthermore, the payment processing is deliberately slow and opaque. I have repeatedly observed payments being cleared late, even when submitted well before the due date. This manufactured delay is a transparent ploy by the bank (Goldman Sachs) to generate late fees and maximize interest charges. While the user interface may be beautiful, the business practices are ugly and deliberately structured to prioritize profits over people.
Avoid the Apple Card at all costs. The predatory interest rates and questionable payment processing tactics make it a terrible financial product. You are better off using almost any other credit card on the market.
Cool physical card, that's about it. These people don't know what they're doing here. Customer service is a joke, and the way this card's statements work is a little scammy and misleading. You have to make sure your statement is paid in full before the end of the month, not your statement closing date. It's how they try to make credit cards "easier" for people. I was always left with interest charges despite making full payments right after the statement closed and promptly paid in full.
Customer service said despite paying my balance in full, any charge made after my payment, carrying over the calendar month, was subject to interest. My due date was set for the 27th. Paying in full on the 28th, and making small purchases on the 30th somehow caused interest to be charged the following month. This is nothing like how any other credit card I have works.
If you take this card, you better be paying off the credit card balance every night before you go to bed if you don't want interest.
I was hacked and scammed. I informed Apple Card Goldman Sachs that the card needed to be closed. They did not, and let the hacker charge over $5,000.00. I have had nothing but trouble with this card and Goldman Sachs.
I put over $100,000 in a savings account with them, and when I went to withdraw some money three weeks later to pay for my daughter's wedding, they would not let me! They told me it was considered 'fast moving money.' There was no documentation stating a specific time limit during which I was not allowed to withdraw my funds. According to them, it's completely up to their discretion. After many hours and phone calls with multiple people who were unable to assist me, I finally got my money out. It was a very frustrating and frightening experience. I would not recommend them to anyone. Even in the end, they could not provide me with tracking numbers for the checks. Absolutely nobody there could answer any of my questions.
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Product: Marcus by Goldman Sachs Savings
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Marcus by Goldman Sachs
Bokyung Park @qhrid1004
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1 Star Rating
WORST CARD EVER. When they say “lock the card,” it only applies to the physical card — not online transactions. Over the last few months, I had multiple unauthorized transactions (different amounts but always from the same vendor, DoorDash). Despite following every recommendations they gave me — keeping my physical cards with me, logging out everywhere, resetting passwords for all accounts — the fraudulent charges continued, but only with the Apple Card online!!!!
Eventually, I realized they cannot handle security-related issues. In the end, I chose to close my account, then they charged me for all the disputed transactions that I never made. Completely unacceptable.
Goldman Sachs (GS) is terrible and dishonest. For two years, I disputed a charge. Finally, I took GS to small claims court, where I won. Now they still continue to bill me for the disputed amount. I have cancelled my Apple Card.
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Marcus by Goldman Sachs
fredda lickleat @chan05rtytf
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1 Star Rating
Apple Card is forcing us into purchases without requiring a confirmation button and applying false charges for applications I did not want; therefore, I have lost money. Do not use this card; buyer, beware.
I love this awesome-looking platinum card; it's impressive and feels cool to hold, and also has unique security features. I only wish I had an option to ask for a credit increase because I'd love to actually use it more, but I don't want my ratio too high.
Worst Credit Card Ever. Very poor customer service. I wanted to have monthly statements sent to me; they refused. It takes them nearly a month and a half to process a payment. There are too many layers: Apple, then Goldman Sachs. After many recurring issues, I paid off the balance and closed the card. They never processed my last payment, and they never contacted me either. Only recently, after a credit report, I learned I have a delinquent status. So they reported me without ever sending me a statement, an email, or a letter. What makes it worse is that they changed my address on file to some other address and they wouldn't communicate to me the address on file, although they successfully verified my identity. Worst ever experience with Apple products. Believe me, all my phones have been iPhones, I have an iPad and a Mac. Stay away from the Apple Card.
Get answers to your questions about Marcus by Goldman Sachs below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
You can log in to your Apple Card account by going to the login page on the Apple website or Wallet App and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Register for Online Access on your Apple Card Account
Register your Apple Card for online account access. Click “Don't have an Apple ID? Create yours now” and enter your name, date of birth, phone number, and country of residence to verify your credit card account.
Choose your Apple Card Apple ID and password. The password must contain at least 8 characters, have at least one number, and contain both upper and lowercase letters.
Log in with your new Apple Card credentials. From the login page on the Apple website or through Wallet App, fill out the Apple ID and Password fields using your new credentials, and click “Sign In” to access your account.
After you have signed up and logged in, you'll be able to manage your Apple Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
In case you forget your login information, you can click “Forgot Apple ID or password?” on the Apple login page and follow the prompts to reset or retrieve your username or password.
The most important thing to know about the Apple Card's cash back program is that it awards cardholders with 1 - 3% cash back, depending on the type of purchase. Another good thing to know is that the Apple Card's cash back program distributes rewards on a daily basis. The same day a purchase processes, you will receive the cash back for that purchase. It's also worth noting that there's no limit to the amount of cash back the cardholders can...
The only way to apply for the Apple Card is through the Wallet app on an iOS device, such as an iPhone or iPad. Other than making you sign in to iCloud, the application itself is pretty similar to any other credit card application. Applying should only take a few minutes.
How to Apply for the Apple Card:
Update your Apple device to the latest iOS version.
The Apple Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Apple Card.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Apple Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
No, you cannot do a balance transfer with your Apple Card. The issuer does not allow balances from other issuers' accounts to be transferred to the Apple Card. In general, balance transfers allow you to shift high-interest debt from your current account to another issuer's credit card and pay off the balance, presumably at a reduced interest rate.
Although the issuer does not allow balance transfers with the Apple Card, there are plenty of options from other issuers to choose...
You can make an Apple Card payment online, by phone, through the Marcus by Goldman Sachs mobile app, or by mail. To pay an Apple Card bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Marcus by Goldman Sachs does allow cardholders to set up automatic payments, too.
The Apple Card interest rate is 17.49% - 27.74% (V), with the exact rate depending on factors such as your income, credit history and existing debt. Apple Card interest rate is variable, meaning it can change based on certain economic conditions.
The Apple Card also offers new cardholders an introductory interest rate of 0% for 6 - 24 months on qualifying Apple purchases. After the card's intro rate expires, the regular interest rate applies to any remaining balance. In addition, there are a few other...
Your Apple Card approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the Apple Card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.
Yes, the Apple Card is a credit card. The Apple Card is issued by Marcus by Goldman Sachs, works wherever Mastercard is accepted, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.
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