How to Get a Loan
3. Receive your money!
Once your listing is fully funded, the funds will be deposited directly into your bank account within a few days.
Prosper may conduct a final identity verification before funds are released.
APR starting at
* Based on one year personal loans made to first time borrowers with an AA Prosper Rating. To qualify for an AA Prosper Rating, applicants must have excellent credit and meet other conditions. APRs by Prosper Rating range from 6.68% (AA) to 35.36% (HR) for first time borrowers. The average APR for borrowers during the period May 1, 2014 through October 31, 2014 was 17.87%. Rate offered is based on Prosper Rating and other factors, and your actual rate may differ. Eligibility for a loan is not guaranteed and requires that a sufficient number of investors commit to fund your loan. Refer to Borrower Registration Agreement for all terms and conditions. All loans made by WebBank, an FDIC-insured, Utah-chartered Industrial Bank.