Prosper today with online loans & more

Smart, simple tools for borrowing, saving & earning

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For nearly 20 years, people have chosen Prosper to help fund their dreams

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Online loans, and so much more

Discover a credit card, personal loans, HELOCs and HELoans, investing opportunities, and financial knowledge-focused educational content—all designed to help you consolidate debt, finance home improvements, cover healthcare costs, and, above all, advance your financial wellbeing.

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Established since 2005

1M+ trusted customers

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Meet your financial needsFind peace of mind

Personal Loans

Take control

  • Borrow up to $40K1
  • Next-day funding2
  • No pre-payment penalty
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Credit Card

Find freedom

  • Up to $3,000 credit limit
  • Zero fraud liability
  • No security deposit required
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Home Equity

Leverage your home equity

  • Access up to $500,0003
  • Low-rate HELOCs & HELoans
  • Apply in minutes
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Investments & IRAs

Diversify & do good

  • Invest in personal loans
  • Avg. historical returns: 5.8%
  • Empower real people
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Questions? We’re here to help

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

Here are the brass tacks: Prosper was founded in 2005 as the first peer-to-peer lending marketplace in the United States. In almost 20 years, Prosper has facilitated more than $21 billion in loans to over 1.3 million people. We now provide a variety of simple, fast, fair, and personalized financial tools and resources that support people's lives.

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

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

Prosper has an A+ rating from the Better Business Bureau. The company serves on the Board of Directors for the American Fintech Council, an organization that promotes a transparent, inclusive, and customer-centric financial system and fosters responsible innovation in financial technology.

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

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.

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.

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.

Security that doesn’t cut corners

Your security is our highest priority.
Prosper uses 256-bit encryption to keep your information safe.