Marcus by Goldman Sachs, for example, says its typical approval process can take less than an hour, though in some cases, it can take more than a day. For consumers, however, a key point to understand is that unsecured personal loans arent an option for those who have bad credit or no income. Marcus by Goldman Sachs, for example, notes that it is targeting consumers with regional debt relief good or excellent credit, starting with a 660 FICO score. (Marcus accepts applications in all states except Maryland.) RocketLoans requires a minimum credit score of 640 and a minimum annual income bad

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