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You're Pre-approved1 for up to $50,000!2

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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

Why choose Prosper?

Fast

Get prequalified in minutes. Fast next business day funding6

Flexible

Choose 2-5 year loan terms7

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. 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 sufficient number of investors commit funds to your loan. If (i) your listing expires unfunded; and (ii) you continue to satisfy the criteria used to select you for the offer, 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 Confirmation Number 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 the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. 

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 For example, a three-year $10,000 personal loan would have an interest rate of 9.38% and a 9.99% origination fee for an annual percentage rate (APR) of 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 would have an interest rate of 11.14% and a 9.99% origination fee with a 15.84% APR. You would receive $9,001.00 and make 60 scheduled monthly payments of $218.12. Origination fees vary between 1% and 9.99%. Personal loan APRs through Prosper range from 8.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank.

5  This is compared to a total interest payment of $12,793 on a credit card balance of $10,000, calculated according to Bankrate.com’s Minimum Payment Calculator (https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx) 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 ability to quickly process the transaction.

7  Loan terms range from two to five years. Whether you are eligible for a specific loan term will depend on a number of factors, including your current credit rating and information you provide in your application.

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