Sites like Marcus

LightStream is the online lending arm of Truist Bank. It has some of the lowest rates, starting at 6.99% APR for a 24-month loan — a lower starting rate than Marcus. And its Rate Beat Program offers a 0.10% discount on any competitor's offer on an unsecured loan if the offer meets certain conditions.

Same-day funding is also available, but it's tough to qualify if you don't have good or excellent credit (690-plus). There's also no preapproval process to check your rate first. Save this for when you've qualified for other loans and think you can get a better deal.

Upgrade has one of the lowest minimum borrowing amounts amongst personal lenders, requiring you to borrow a minimum of only $1,000 — Marcus required a minimum amount of $3,500. Upgrade's application and funding are also notoriously quick, and it has stellar customer reviews.

You need a credit score of at least 580, but Upgrade requires you to have $1,000 leftover each month after bill payments. However, Marcus didn't have fees, whereas Upgrade charges an origination fee of 1.85% to 9.99% and has late fees.

Upstart could be a better fit than Marcus if you're just starting to build your credit. Upstart has a unique underwriting process, taking your education and work history into account alongside your credit score.

It also offers a wider range of loan amounts, from $1,000 to $50,000. But it does have higher rates than Marcus used to offer — rates range from 7.4% to 35.99%, and there is an origination fee as high as 12%.

OneMain Financial doesn't have any clear-cut credit score requirements. It's also one of the few personal lenders that accepts cosigners and coapplicants. Marcus didn't accept cosigners and preferred borrowers with credit scores of at least 660.

While OneMain Financial does consider any credit score, you'll have to plan on high rates, starting at 18%. There's also an origination fee of 1% to 10%, and there are late fees. OneMain Financial might be your way of getting a personal loan if you have poor credit — just be sure to shop around first because it's not the cheapest option out there.

Prosper is a peer-to-peer (P2P) platform that offers rates starting at 8.99% APR. A P2P platform is an online marketplace where borrowers connect with individual investors looking to fund loans. Prosper offers next-day funding, no prepayment penalties and a quick application process.

Its rates are comparable to Marcus, and it features a lower minimum borrowing amount of $2,000 compared to Marcus's $3,500. Prosper has a slightly lower credit score requirement of 600, but unlike Marcus, Prosper does charge an origination fee of 1% to 9.99%, and late fees are either $15 or 5% of the amount due.

Best Egg has higher customer reviews than Marcus on sites like Trustpilot and the Better Business Bureau. Customers rave about Best Egg´s “easy and fast” application process and its helpful customer service. And unlike Marcus, it accepts fair credit borrowers with scores above 640.

But its origination fees run as high as 9.99%, and it can take a while to qualify if you're self-employed. If you have great credit, choose another lender that doesn't charge fees.

Avant is a highly-rated lender with an application that's more friendly to self-employment borrowers than your average lender. It also accepts fair credit scores as low as 580. Rates range from 9.95% to 35.99%, so it doesn't offer lower rates than Marcus, but it's a decent alternative for self-employed borrowers because Marcus doesn't always accept self-employment income.

Avant also has great customer reviews, with many customers praising the fast process, quick funding and helpful staff. On the other hand, Avant has more fees than Marcus — expect an origination fee of up to 9.99% and late fees if you miss a payment.