Retrieve your credit score

To ensure the security of everyone on the site, you will be asked to provide personal information, including your Social Security number, so Prosper can check your identity and obtain your credit score. There is no fee to you for obtaining your credit score, and the inquiry will not affect your credit score.

Create your Borrower Direct P2P loan listing

Your loan listing will inspire lenders to bid on your loan. Your listing communicates very important details to lenders about you and your loan, including the amount of the loan, and the purpose of the loan. Unlike other lending institutions, you determine the interest rate you're willing to pay and that interest rate may even get bid down.

Upload a picture of you and state why you want the loan. Write a short description about how you anticipate using the loan proceeds.