See our 10,153 reviews on
5 hours ago
The only complaint I have is that I was waiting for a response to the loan processing to arrive in my EMAIL. But it...
16 hours ago
It was a hassle free experience. I received the funds within 24 hours of applying. I have had several loans with Prosper before...
19 hours ago
Quick, easy, had to call once and spoke to a friendly and helpful representative. Awesome.
21 hours ago
Very secure and easy to apply, thank you 🙏🏾
21 hours ago
Easy to use and navigate. Have used Prosper before and would recommend the service.
1 day ago
Great fast service. Easy application. No problem at all.
1 day ago
Flawless, easy and very fair rate. I would highly recommend. Only company that gave me a reasonable interest rate.
1 day ago
Great, fast service. Very helpful.
Consolidating debt? Paying for a large expense like home improvement or a special occasion? We have you covered.
Get a loan with a low, fixed rate that never goes up. Check your rate online instantly.
Pay off your loan with fixed 3 or 5-year2 terms, and a budget-friendly, single monthly payment.
Save money with no pre-payment penalties.
Estimate your rate and monthly payment in under 2 minutes.
Getting your estimate will not affect your credit score
If you don’t know it, give us your best guess.
You can choose up to $40,000.‡
Select your loan amount, answer a few questions, and get your lowest eligible online loan rates instantly.
Prosper offers several options for online loans. Choose the one with the terms that work best for you.
Your money goes straight to your bank account via direct deposit.
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.
Find answers to our community’s questions below, or visit our Help Center to learn more.
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 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.
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.
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.
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.