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You could save thousands with Debt Consolidation

With $10,000 in credit card debt and just paying your monthly minimum, it would take 28 years to eliminate your debt and you’d spend $12,793 in interest charges.

Or you could take out a $10,000 loan through Prosper, eliminate the debt in just 3 years, and spend only $1,913 in interest — saving yourself $10,880.⁵

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Why choose Prosper?

Fast

Get prequalified in minutes. Fast next business day funding6

Flexible

Choose 2-5 year loan terms4

Worry-free

Keep money in your pocket with no pre-payment penalties

Checking your rate won’t affect your credit score

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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

1  Pre-Approved credit offer: You received this offer because you met certain criteria for creditworthiness. Credit may not be extended to you if, after receiving your application, (i) you do not continue to meet the criteria used to select you, (ii) you do not meet minimum income requirements for your credit profile, (iii) or you do not meet any other applicable criteria bearing on your creditworthiness established prior to your selection, including electronic submission and verification of documents. By applying, you certify that all information provided by you at the time of acceptance is true, correct, and complete and that you are (a) at least 21 years old and legally able to enter into a contract for the extension of credit; and, (b) a U.S. citizen or permanent resident. This prescreened offer is for individual credit only and requires sufficient investor commitments to fund. If you meet the selection criteria, you may post a listing in an amount between $2,000 and $50,000 at the interest rate then in effect for your Prosper Rating. Eligibility for loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for a loan is not guaranteed and funding of any amount greater than $2,000 ($3,001 for GA residents; $6,500 for MA residents) requires that a sufcient number of investors commit funds to your loan. If, however, (i) your listing expires unfunded; and (ii) you continue to satisfy the criteria used to select you for the offer, you will receive the minimum $2,000 (or a greater minimum loan amount depending on the laws of your state), funding is guaranteed for a $2,000 ($3,001 for GA residents; $6,500 for MA residents) 3-year loan listing at the interest rate then in effect for your Prosper Rating. Usage of your Personal Offer Code on or before the expiration date is required in order to receive this special offer. Refer to Borrower Registration Agreement for all terms and conditions. All personal loans made by WebBank.

2  Eligibility for personal loans up to $50,000 depends on a number of factors, including (but not limited to) your financial history, credit score, monthly income, and monthly expenses. Eligibility for personal loans is not guaranteed, and requires sufficient investor commitments to fund. All personal loans made by WebBank.

3  Discounted APR for pre-approved offers are based on the APR given to accounts originated from pre-approved consumers who received direct mail offers from December 2, 2022, through January 24, 2023.

4 Personal loans through Prosper have an annual percentage rate (“APR”) of 8.99% to 35.99%, terms between two and five years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 9.38% and a 9.99% origination fee results in a 16.74% APR. You would receive $9,001.00 and make 36 scheduled monthly payments of $319.77. A five-year $10,000 personal loan with an interest rate of 11.14% and a 9.99% origination fee results in a 15.84% APR. You would receive $9,001.00 and make 60 scheduled monthly payments of $218.12. Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ. The average APR for pre-approved loans with a 3-year term funded between August 9, 2024, and September 9, 2024, was 26.58% APR.

5  Total credit card interest paid and payoff duration were calculated using http://Bankrate.com’s Minimum Payment Calculator (https://www.bankrate.com/credit-cards/tools/minimum-payment-calculator/) and assumed a $10,000 balance, 16% interest rate, and minimum monthly payments equal to 1% of the outstanding balance plus interest. Your actual minimum payment, payoff duration, total interest paid will depend on your account terms and account activity. Comparable loan through Prosper assumes a three-year, $10,000 personal loan with an annual percentage rate (“APR”) of 16.74%, and that you timely make all 36 scheduled monthly payments of $319.77.This is compared to a total interest payment of $12,793 on a credit card balance of $10,000, calculated according to Bankrate: Healthier wallet, happier you ’s Minimum Payment Calculator ( Credit Card Minimum Payment Calculator – Bankrate ) that assumes a 16% interest rate and a minimum monthly payment equal to 1% of the outstanding balance plus interest and could take up to 28 years to pay-off. Your actual minimum payment, payoff time and payoff cost for a credit card will depend on account terms and any future account activity.

6  You may receive your funds one business day following your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank’s transaction processing speed.

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