Marcus
Marcus by Goldman Sachs is a financial services provider based in Draper, Utah, specializing in fixed-rate, no-fee personal loans and high-yield savings accounts. The company offers unsecured personal loans ranging from $3,500 to $30,000, with annual percentage rates (APR) between 6.99% and 23.99%. Loan terms are available from 36 to 72 months, and only highly creditworthy applicants typically qualify for the most favorable rates and longer terms. For instance, a $15,000 loan at 12.99% APR would result in monthly payments of approximately $402.33 over 48 months, culminating in a total repayment of around $19,312. Additionally, Marcus provides managed portfolios of exchanged-traded funds, enhancing its offerings in the financial market. Currently, its services are only available in the United States.
Clarity Money, Inc. is a New York-based company founded in 2016 that specializes in a personal finance application powered by artificial intelligence. The application is designed to assist individuals in managing their personal finances by providing tools to analyze spending habits and make informed financial decisions. Users can lower their bills, cancel unnecessary subscriptions, transfer money, open savings accounts, and check their credit scores through the app. Clarity Money aims to enhance financial transparency and empower users to optimize their financial resources. As of April 2018, Clarity Money operates as a subsidiary of Goldman Sachs Bank USA.
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