Prosper today with online loans & more

Smart, simple tools for borrowing, saving & earning

Get started with Personal Loan

Since 2005, over 1 million people have chosen Prosper to help fund their dreams.

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Your loan,
tailored for you

Consolidating debt? Paying for a large expense like home improvement or a special occasion? We have you covered.

Get a low rate

Get a loan with a low, fixed rate that never goes up. Check your rate online instantly.

ICN Pay at Your Own Pace

Pay at your own pace

Pay off your loan with fixed 3 or 5-year2 terms, and a budget-friendly, single monthly payment.

Save money

Save money with no pre-payment penalties.

Just browsing?

Estimate your rate and monthly payment in under 2 minutes.

Getting your estimate will not affect your credit score

1 / 5

What’s your estimated credit score?

If you don’t know it, give us your best guess.


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How much would you like to borrow?

You can choose up to $40,000.


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How do you earn your income?

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What’s your estimated annual pre-tax income?


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Do you own or rent your home?

Getting a loan


Check your rate

Select your loan amount, answer a few questions, and get your lowest eligible online loan rates instantly.

Choose your loan

Prosper offers several options for online loans. Choose the one with the terms that work best for you.

Get your funds

Your money goes straight to your bank account via direct deposit.

Online loans and more

Take charge of your finances with a quick and easy custom solution. Use the Prosper platform to consolidate debt, finance home improvements, pay for healthcare, apply for a home equity line of credit, or get a credit card in just a few simple steps.

Questions? We’re here to help

Find answers to our community’s questions below, or visit our Help Center to learn more.

Is Prosper a legitimate company?

Prosper was founded in 2005 and was the first peer-to-peer lending marketplace in the United States. Prosper has facilitated more than $21 billion in loans to over 1.3M people.

Prosper also acts on the board of directors for the American Fintech Council. As according to the American Fintech Council Website, The American Fintech Council is an organization with a philosophy to use technology to create innovative financial services. It provides services that are affordable and transparent and help Americans build financial health.

Prosper uses significant safeguards, including physical, technical, and operational controls to protect your personal information, both during transmission and once received. If you have any questions about the security of your information, you can contact us at [email protected].

You can view Prosper’s legal agreements (such as privacy policy, terms of use, and more) and notices here.

You can also visit our Prospectus page to view Prosper’s latest SEC filings.

You can learn more about our story, our values, and our team by visiting our About Us page.

What credit score do you need for a loan through Prosper?

Every individual has a different and unique financial situation. That said, if your credit score is under 600, you might not qualify for a loan through Prosper.

The best way to know if you are eligible to receive a personal loan through Prosper is to visit our personal loans page and apply. Checking your eligibility and rate will not affect your credit score.

If you are not eligible to receive a personal loan through Prosper on your own, you could consider adding a co-applicant. Adding a co-applicant could improve your chances of having your personal loan application approved. You can learn more about joint personal loans here.

What does Prosper do?

Prosper offers a variety of resources people can use to try and improve their financial health, regardless of their financial situation.

Whether you’re just starting out and trying to establish your credit and financial profile, or you’re a financial expert looking for a new investment vehicle, Prosper can help you improve your financial wellbeing.

Users can get started with their credit using the Prosper® Card, they can consolidate debt, improve their home, or finance healthcare costs with personal loans. For individuals who own their home, Prosper can facilitate a fast and easy home equity line of credit. Investors who may be looking for new opportunities to diversify their portfolio can invest in personal loans.

Individuals who aren’t ready for any of what’s mentioned above but are interested in learning more about ways to improve their financial knowledge can spend some time reading the Prosper blog and can sign up for monthly newsletters.

Are Prosper loans secured?

Personal loans through Prosper are unsecured loans. They do not require collateral.

Secured loans are loans that require collateral, such as a mortgage or an auto loan. When providing collateral for a secured loan, borrowers have a lien placed on the asset used as collateral for the loan, and that lien is removed once the loan is paid off.

Personal loans through Prosper are unsecured. Personal loans through Prosper do not require collateral. To learn more about the difference between secured and unsecured loans, visit our blog post on the topic here.

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Join the thousands who have achieved their financial goals.