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Prosper connects people who want to invest money with people who want to borrow money.Prosper helped us consolidate our bills and become debt free. How Peer-to-Peer Lending Works
I want to Invest Money
 
Online Investing

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%
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Become a Lender
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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

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I want to Get a Loan
 
Personal Loans

Personal Loans for Creditworthy Borrowers

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

Fixed Rates as low as 7.5% APR**
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From $1,000 to $25,000

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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.
About Peer-to-Peer Lending
 

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 Listing
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Prosper Loan Listing
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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.
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Lenders: For a limited time
$50 Sign up bonus† for all new lenders. Become a lender

Lenders: Cash Rebate offer extended
Invest $1-$4,999, receive 1% cash rebate or 2% if you invest $5,000 or more! Learn more

Refer a Friend:
Refer your friends and earn $100 each time a friend becomes a borrower. Learn more



All loans are made by WebBank, a Utah-chartered Industrial Bank. All Prosper loans are unsecured 3-year fully amortized loans. Repayment terms: For a borrower with an AA Prosper Rating, 7.5% APR, 36 fixed monthly payments of $30.97 per $1,000 borrowed.

Notes offered by Prospectus. Notes investors receive are dependent for payment on loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

* Estimated Return is the projected annual return on funds invested in model portfolio plans. While Estimated Return takes into account the projected impact of credit losses based on historical data, the calculation requires significant assumptions about the repayment of loans. Lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance. Learn more.

** Based on loans made to borrowers posting listings with an AA Prosper Rating.

† The $50 sign up bonus may not be immediately withdrawn and will expire on December 31, 2009 if it is not invested by bidding on loan listings.

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