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Smart, Diversified Investing

10.46
%

Flexible Options, Great Returns

With our huge marketplace of qualified borrowers, Prosper allows you to diversify your investment by spreading your money out over multiple loans with minimal effort. You reap higher returns without the overhead and hidden fees. It’s easy, reliable, and safe to invest through Prosper, and—the best reward of all—you’re investing directly in people.

When you invest with Prosper, you get:

  • The ability to choose your level of risk versus return
  • A pre-screened pool of credit-worthy borrowers
  • Transparency with who you are lending to
  • Control over the parameters of your investment
  • Diversification of your overall portfolio
  • The gratification of investing in real people

All in just a few simple steps.

Get Started

What fees does Prosper charge?

There is no fee to sign up to be a Prosper investor. If you invest in a loan, Prosper charges a 1% annual loan servicing fee which is subtracted from loan payments. The fee is accrued daily, the same way that regular interest is accrued on the loan. It is calculated as: the annual servicing fee divided by 365 multiplied by # days since last payment, then multiplied by the outstanding principal of the loan. In the event that a borrower loan becomes more than 30 days past due, Prosper will assign a professional collection agency to collect the overdue amount. Each collection agency has its own fee structure, but will only collect a fee for their services if funds are recovered. Learn more about collection agencies and their specific fees.

New: Verification Stage, Prosper’s latest innovation in social lending, is a three-stage indicator of the progress on the Prosper loan, based on Prosper’s verification of the borrower's information—and another useful tool for investors in considering a loan. Learn more about Verification Stage and Prosper's Verification Process.

New! Quick Invest
A fast, easy way to diversify.
Invest in many loans all at once!

Learn more
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3 Ways to Invest
  1. Quick Invest
  2. Individual Loans
  3. Trade Notes
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* Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes ("Notes") issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through February 28, 2011. Our research shows that Prosper Note returns historically have shown increased stability after they've reached ten months of age. For that reason, we provide "Seasoned Returns", defined as the Return for Notes aged 10 months or more.

To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365.

All calculations were made as of December 31, 2011. Returns have been audited by a 3rd party for all data through September 30, 2011. Seasoned Return is not necessarily indicative of the future performance on any Notes.