Get a personal loan at a great rate - Prosper Loans Marketplace

Create your listing now and allow lenders to invest in your loan. Watch your interest rate drop as lenders bid down the price you pay for your loan through our auction-style bidding process!

Unfortunately, if you have credit problems, Prosper might not be the right place for you. If you have too low of a credit score, you'll be unable to create a listing.

Use a service such as Credit Karma to check your credit score
Learn how to improve your credit at www.fdic.gov

What is Prosper?

Prosper Loans Marketplace is America's largest peer-to-peer lending marketplace, with over 830,000 members and $178,000,000 in funded loans. Connecting people who seek to borrow money with people who seek to invest money eliminates the need for borrowers to go through a bank for a loan.

How does it work?

Choose the amount you wish to borrow. Prosper borrower loans are unsecured, three year, fixed-rate personal loans ranging from $1,000-$25,000. No prepayment penalties. No hidden fees.
Choose the rate you want to pay. Set the interest rate you're willing to pay. Tell your story in your online listing, and even include a personal photo!
Watch as lenders bid down your rate. Prosper lenders may bid down your interest rate in an auction. You decide whether or not to accept the loan.
It's that easy! Funds are then issued directly into your bank account.

Loans to California residents are made by Prosper Marketplace CA, Inc., a California corporation, under a California Department of Corporations Finance Lenders License. All loans are made to residents of other states are made by WebBank, a Utah-chartered Industrial Bank. Notes and returns on Notes are not FDIC-insured and have no Prosper guarantee. Notes may lose value.