Online Investing
in Fellow Americans

You can earn a great return. Prosper makes it easy to invest like bankers do.

Portfolio Plan Estimated Returns* 7% - 13%

Make peer-to-peer lending part of your investment strategy. These short term investments in Prosper loans provide a new and rewarding way to invest.

Choose from Three Ways to Invest in Individual Americans

Portfolio plans: An automated, easy way to get started. Our Prosper plans have an estimated rate of return of 7% - 13%.* Learn more
Individual notes: Bid on listings one-at-a-time. View listings
Existing notes: Available for advanced online investing lenders. Learn more

Institutional investors: Prosper is a great way for institutions to invest. Learn more

Personal Loans for Creditworthy Borrowers

Low rates on unsecured personal loans. The interest rate is fixed and never changes!

From $1,000 to $25,000

Pay off those variable rate loans with a 3-year fixed rate loan. Whatever your need for a personal loan - home improvement, auto loans, student use, debt consolidation loans, small business use... get a better rate on Prosper.

About Prosper Loans

Borrowers with good credit (640+) post a loan listing and lenders invest $25 or more towards your loan. Your rate may get bid down in our auction process.
The interest rate is fixed for the life of the loan and never changes!
Monthly payments are fixed, and will be automatically deducted from your bank account.
There are no hidden fees and you can pay off the loan early with no penalty.
All Prosper loans are unsecured 3-year fully amortized personal loans.

How Peer-to-Peer Lending Works

Creditworthy Borrowers create a listing for a fixed rate loan. Lenders looking for a better return and greater transparency invest in individual Americans.

Peer to Peer Lending—Rewarding for Borrowers and Lenders

Peer-to-Peer lending is a financial community made up of individual people seeking lower rate loans and investment opportunities with higher returns.
Borrowers apply online for a loan. Lenders bid on loan listings. Registered lenders have access to the borrower's credit information. They can view the purpose of the loan, the borrower's Prosper Rating, and more.
If the loan gets enough bids, funds are placed in the borrower's bank account. Payments are automatically deducted from their bank account.
Lenders enjoy the rewards of this alternative investment: they receive monthly payments of principal and interest.
The high costs of banks are removed because we connect people directly: everyone benefits.