Get a Loan for an Adoption or for Your New Baby
A new baby is such a treasure. But with the cost of living spiraling upward, finances are tight. And even if you have excellent insurance, there are many costs that aren't covered.
The Prosper community understands this, and many are ready to help with the baby loan you need. Whether you’re currently expecting, or your new bundle of joy has already arrived, you want the absolute best for your child.
Through Prosper, you can apply for unsecured loans for baby expenses up to $25,000. This means that you won’t need to be a homeowner. Your good credit score and solid work history are often enough to get a baby loan through us. Plus, our rates are very competitive.
Apply now. We'll walk you through the entire process, which will only take a few minutes.
But what if I need an adoption loan?
Prosper may be able to help you there as well.
Affording adoption can be difficult. There are a multitude of costs to cover, ranging from attorney fees to required medical expenses. As the prospective parent, these are just a few of the costs you can expect as you seek adoption assistance. The full range depends upon whether you are adopting internationally or domestically.
Join the Prosper marketplace community. You'll find that many of our lenders actively seek worthy causes—like funding loans for adoption. Our lenders look at more than just numbers. Although a good credit score helps, you'll also be able to tell your story about why you’re applying for an unsecured loan for adoption. This is just a small part of how we differ from other lenders.
At Prosper, we want to offer you more options for financing your adoption.
Does my credit score affect my loan?
Yes. Most lenders will look at your credit history, and Prosper lenders are no exception. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure of your credit score, we can help you find out now, for free, with no obligation.
The Prosper community does not require "perfect credit." If you have an average to an above average credit rating, one way to expedite your loan funding is to ask another Prosper member (especially a lender) to endorse you. Don’t know any other Prosper members personally? Invite a friend to join.
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 5.99% (AA) to 36.00% (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.