Borrowing Money

Retrieve your credit grade

To ensure the security of everyone on the site, you will be asked to provide your social security number and a few other personal details so Prosper can check your identity and obtain your credit score. There is no fee to you for pulling your credit score, which we use to categorize your credit into one of seven credit grades.

There is no fee to you for obtaining your credit score and grade, and the inquiry will not affect your credit score. Learn why.

Create your loan listing

Your loan listing is what will inspire lenders to bid against each other to make you a loan. Your listing communicates very important details to lenders about you and your loan, including the amount of the loan, the interest rate you're willing to pay, and the purpose of the loan.

If you can, you should upload lots of pictures and write a lot about why you're asking for a loan.