See our 10,188 reviews on
9 hours ago
Easy and fast application process.
16 hours ago
As usual, great, Prosper makes it really easy for taking out a loan. Plus, with the new app, makes it a lot easier for us...
16 hours ago
The associate who helped me on phone was patient and provided me the guide that i need to get my loan processed.
19 hours ago
This is the second time my wife and I have borrowed money from prosper. It took longer this time to get approved but the process...
1 day ago
Excellent customer service! The loan application process was smooth and straightforward. Very happy with the results of Prosper Marketplace. The next time I require a...
1 day ago
So far everything was smooth, However waiting for Proceeds to post to my acct. I understand it takes 1-4 Business days, Thank you
1 day ago
When I needed a loan, Prosper is there, this is my second loan.
1 day ago
Prosper is a great place to borrow money. I have never had any problem getting a loan
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.