Correction to this comparison
The earlier article treated historical Marcus personal-loan terms as an active 2026 offer. That comparison has been withdrawn. Do not use its former APRs, approval thresholds or payment-reward claims to choose a new loan.
Marcus's servicing FAQ states that servicing transferred to SST effective December 11, 2023. Existing borrowers should use their current servicer's instructions and their own agreement; the transfer is not a new loan offer.
Comparing a current SoFi quote
SoFi publishes both no-origination-fee and optional-fee choices. Compare the APR, net proceeds, total scheduled payments and repayment term in your actual offer. A lower nominal rate with an upfront fee is not automatically cheaper, particularly if you repay early.
Review SoFi's current rates and terms and compare at least one other lender. Published rates can depend on discounts, loan term and eligibility. This page does not promise a particular credit-score cutoff, hardship benefit or approval outcome.
Existing Marcus borrowers
Use the Marcus servicing information page for the official FAQ link. Confirm payment instructions through trusted servicer communications before changing where you pay.
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SmartRates Editorial Team
Editorial Team
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