Commerce · alternatives · 2026
24 alternatives to Marcus by Goldman Sachs
Personal loans to help manage high-interest credit card debt
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Marcus by Goldman Sachs launched in 2016; newer entries below may have overtaken it.
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Ray▲298I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
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Sivo▲133Debt funding for Fintechs - lend money to users at scale
2021 · sivo.com · its alternatives →
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Lending Club▲93Credit marketplace for peer-to-peer lending
2014 · lendingclub.com · its alternatives →
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Choose the best credit card, every time
2024 · apps.apple.com · its alternatives →
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Why personal finance doesn’t have to be complicated
2016 · amazon.com · its alternatives →
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Stay on top of your finances the simple way! Try for Free!
2019 · quicken.com · its alternatives →
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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →