Invest in America through Peer-to-Peer 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 of us respond so positively to 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 connect with you—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 bid on loan listings from people that connect with your interests and priorities.
Returns on loans are not FDIC insured, nor is there any guarantee that they will always be repaid. This is why we strive to provide you with all the tools you need to help make the right choices when you invest in America.
We want peer-to-peer lending to be as easy and safe as possible.
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 America's 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?
Prosper is America's leading online destination for borrowing money and investing in loans. Peer-to-peer lending means borrowers can get the money they need, and lenders can profit by investing in borrowers' loans. And when both investors and borrowers do well, main street America benefits from both sides.
Prosper lenders bid on listings and purchase Prosper Notes. Each Prosper Note corresponds to a listing which sets forth the relevant details about the loan, including loan amount, price, yield percentage, and borrower information. Any payment from a Prosper Note is dependent on payments Prosper receives on the corresponding loan.
The Notes that correspond to specific borrower listings are offered pursuant to the 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 us and our platform 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 bidding on loans. Not FDIC-insured. Notes may lose value. No Prosper or bank guarantee.
