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We are an online community for lending and borrowing money, with over 790,000 members and $169,000,000 in loans funded on Prosper.

Borrowers enjoy fixed monthly payments, no hidden fees and no pre-payment penalties.

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"You're helping others while getting a great return."
—John V., New York

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Featured Listings

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Debt consolidation

Paying off my credit cards

$12,000.00 @ 34.05%

B credit grade

54% DTI

29% funded

48 bids

Home improvement

Landscape and Driveway

$10,000.00 @ 9.5%

AA credit grade

14% DTI

35% funded

44 bids

Debt consolidation

Woman striking out on her own!

$7,000.00 @ 12%

B credit grade

20% DTI

5% funded

6 bids

Other use

paying off existing loan with high interest rate after divor

$6,500.00 @ 23.85%

C credit grade

46% DTI

27% funded

25 bids

Business use

Making a small business grow with increased inventory

$15,000.00 @ 14.56%

AA credit grade

41% DTI

62% funded

114 bids

How Prosper Loans Compare

*Fees not included.
Source: Bankrate.com as of 6/16/08. More.

Here's How It Works

Borrowers create a listing and set the interest rate they are willing to pay. Prosper facilitates personal loans
for business use, home improvement, auto financing and more.
Lenders place bids as low as $50 toward the loan at the rate they are willing to receive.
Bids with the lowest rates are combined into one simple loan to the borrower.
Loan proceeds are deposited directly into your bank account.

All loans are made by WebBank, a Utah-chartered Industrial Bank and sold to winning bidders registered as lenders with Prosper. Prosper "lenders" are loan purchasers. Each lender's results will differ depending on the default rate of the lender's portfolio, and may vary over the 3-year term of the loans. Loans and returns on loans are not FDIC-insured and have no Prosper guarantee. Loans may lose value.

Featured Listings

How Prosper Loans Compare

Here's How It Works

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