Engagement ring financing

Stress-free engagement ring financing

Secure the engagement ring your partner has always dreamed of without overburdening your financial future, all through Prosper. 

Checking your rate will not affect your credit score


Why consider financing for an engagement ring through Prosper?

Starting a life together involves making smart financial decisions, and that includes selecting the perfect ring that your partner will treasure. 

Although Prosper can’t assist you in choosing either the ring or your life partner, we can help you finance that special symbol. Our simple and flexible financing options ensure that you begin your journey with both your dream ring and strong financial stability. 

Checking your rate will not affect your credit score

Select the perfect ring. We support your decision.

Support the age-old adage of spending two months’ salary on a ring. Avoid letting societal pressures dictate your financial choices. 

The ring’s value lies in its symbolism, not its price tag. As you’re committing for the long haul, think ahead when considering how to fund the purchase. Here are common methods people opt for:

Cash for engagement


Choosing to pay in cash is a smart way to avoid accumulating debt. However, paying for an expensive ring upfront can compromise other financial goals, such as building an emergency fund or saving for a down payment on a home.

Credit cards

Credit cards are a popular choice for big-ticket items, but accruing interest can be a concern. If financing through Prosper offers a better rate, it might be a wise alternative. 

credit cards for engagement
store financing for engagement

Store financing

Many jewelers offer financing options, including low or 0% interest rates for introductory periods. Prosper’s solutions may be advantageous depending on your financial situation and available offers. 

Personal loans

Personal loans are unsecured and can be repaid through monthly installments. Loans like those through Prosper provide fast funding, fair interest rates, and flexible repayment terms.

Cinematic defocus shot of happy homosexual couple, two beautiful women are happy. Gay couple marriage proposal concept, love is love, wedding ring, engagement day

Financing through Prosper: Swift, adaptable solutions

Acquire the perfect engagement ring with prompt, flexible financing through Prosper. Use any remaining funds to create a memorable proposal event or trip.


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 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.

2 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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