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SoFi Personal Loans vs Marcus by Goldman Sachs: Which Is Better in 2026?
By Sophie Brown, Senior Finance Editor · Updated Jul 2026
In short: SoFi Personal Loans wins on simplicity and cost, Marcus by Goldman Sachs wins on feature depth. Your pick depends on what you value most.
Head-to-head
| Feature | SoFi Personal Loans | Marcus by Goldman Sachs |
|---|---|---|
| DollarScout Rating | 4.5/5 ★ | 4.3/5 ★ |
| Commissions | $0 | $0 |
| Account Minimum | $0 | $0 |
| Website | https://sofi.com/personal-loans | https://marcus.com |
Category-by-category breakdown
Fees & Commissions
Trading Platform
Ease of Use
Investment Selection
Research & Tools
Mobile App
Detailed analysis
Quick take
Both lenders are strong contenders in the personal loan space. The right choice depends on your priorities: cost, features, or customer experience.
Key differences
Fees, platform quality, and supported features are the main axes of comparison. We weighted each according to what most consumers care about.
Final thoughts
Either option will serve most users well, but the specifics below should guide your decision.
Which one is right for you?
- Best for Beginners: SoFi Personal Loans Open SoFi Personal Loans
- Best for Power users: Marcus by Goldman Sachs Open Marcus by Goldman Sachs
- Best for Low-cost seekers: SoFi Personal Loans Open SoFi Personal Loans
- Best for Feature maximalists: Marcus by Goldman Sachs Open Marcus by Goldman Sachs
Final verdict
Both are strong contenders. Pick SoFi Personal Loans if you want the smoother onboarding and lower total cost. Pick Marcus by Goldman Sachs if you need the deeper feature set.
Frequently asked questions
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