The Marcus by Goldman Sachs Personal Loan Good Credit is a personal loan from Marcus by Goldman Sachs Personal Loan. The annual fee is $0. The ongoing APR is 6.99% - 28.99%. Approval typically requires a credit score of 660 or higher. Rewards: On-time payment reward — skip one payment after 12 consecutive on-time payments. Typical credit limit: $3,500 - $40,000. This product reports activity to your personal credit report. No fees — zero origination, prepayment, or late fees. Backed by Goldman Sachs. Terms 3-6 years. Prequalification available with soft pull.