Invest in America - Prosper
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Invest in America through Peer-to-Peer Lending

Help Fellow Americans Through Lending

With the prices of everyday basics like food and fuel skyrocketing, it can be difficult for the average person to keep up financially—much less save or secure private loans for life's important landmarks like marriage or college. This is why many folks are eager to take part in peer-to-peer lending at Prosper.com.

Through us, investors like you have the opportunity to invest in America one borrower at a time. These are real people with real stories and needs.

You choose the borrowers that appeal to your values—whether it's a fireman looking to consolidate debt or a car buff detailing her classic '66 Mustang by getting an auto loan. You can invest as little as $25 each in loan listings that benefit people that connect with your interests and priorities.

Helping People, Not Big Business

There's more to private lending through Prosper—much more! We're interested in helping others. We recognize that promoting positive social growth while running an efficient business are not mutually exclusive goals. We are proud to help facilitate any decision to invest in U.S. market growth.

Chris Larsen, our founder, was instrumental in helping pass laws that gave Americans access to their credit scores, and strengthening the financial privacy protection laws that we Americans enjoy today.

Come join our growing community and learn more.

How Does Prosper Work?

Investors create an account, set their parameters, and purchase Prosper Notes. Each Prosper Note corresponds to a listing which sets forth the relevant details about the loan, including loan amount, Note rate, yield percentage, and borrower information. Any payment from a Prosper Note is dependent on the payments Prosper receives on the corresponding loan.

The Notes that correspond to specific borrower listings are offered by prospectus. Investors should read the complete description of the Notes and risks associated with making an investment in the Notes as well as other information about the Prosper model in the prospectus.

Prosper Notes are risk bearing and speculative investments for suitable investors only. If a borrower fails to make payments on the corresponding borrower loan related to your Prosper Note, you will not receive payments on your Note. There is the potential that you will not receive any payments on a Prosper Note. You should review the prospectus before investing through Prosper. Not FDIC-insured. Notes may lose value. No Prosper or bank guarantee.