Higher Risk Lending

Understand what higher risk credit grades mean

A borrower's credit grade helps you as a lender assess the likelihood that the borrower will repay a loan, based on historical repayment patterns. At Prosper, a borrower's credit grade is based on his or her Experian Scorex PLUS^SM credit score.

Here is a table that shows the equivalent credit scores for Prosper credit grades:

Borrowers with credit grades of E and HR are considered to be higher-risk because they have credit scores below 600.