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Returning customers get up to 1.3% lower APR1

  • 2-5 year repayment terms2
  • APR as low as 8.99%2
  • Borrow up to $50,0003
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Checking your rate won’t affect your credit score

What our customers are saying

Testimonials are from actual prosper customers

Great place for a personal loan. Super easy and fast funding. I highly recommend! 

  • Margaret – July – 2024

The process was easy, and the funds were in my account almost immediately. 

  • Ray – July 2024

Why choose Prosper?

Fast

Get prequalified in minutes. Fast next business day funding4

Flexible

Choose 2-5 year loan terms2

Worry-free

Keep money in your pocket with no pre-payment penalties

Check your rate
Checking your rate won’t affect your credit score

"I would recommend to anyone interested in a personal loan"​

-Traci

5 out of 5 star review

07/12/2024

woman and child - mobile

$28 Billion +

borrowed in personal loans

through Prosper

1.5 Million +

personal loan customers

4.4 star

Credit Karma rating

How it works

Check your rate

Select your loan amount, answer a few questions and get your lowest eligible rates instantly.

Choose your loan

Choose the offer with the terms that work best for you.

Get your funds

Your money goes straight to your bank account via direct deposit.

Check your rate
Checking your rate won’t affect your credit score

Trusted by our customers

Excellent Trustpilot score based on thousands of reviews.

Support when
you need it

We’re here to help you every step of the way. Reach out with any questions.

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  On average, customers who originated a second loan through Prosper from 05/15/2024 to 08/15/2024 received an APR 1.3% lower than non-Prosper customers.

2  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.

3  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.

4  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.

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