How Prosper Works

Prosper is America's largest people-to-people lending marketplace. Connecting people to people eliminates the need for borrowers to go through a bank for a loan—and fewer middlemen means Prosper lenders also benefit.

Prosper loans are unsecured, three year fixed rate personal loans for people with good credit. Tell your story in your online loan listing. Set the maximum interest rate you're willing to pay and Lenders may bid down your interest rate in an auction. You decide whether or not to accept the loan. Loan funds are issued directly into your account. No prepayment penalties. Learn more about getting a loan Get a Loan

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