Mental health financing

Behavioral health financing

Managing mental health treatment can be stressful. Personal Loans through Prosper provide access to simple, affordable financing for any mental healthcare expense.

Checking your rate will not affect your credit score
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Why use a personal loan for behavioral health financing?

Finding the right mental health care can be challenging. The last thing you need is any additional worry about how to pay for it. Personal loans through Prosper offers a simple, flexible, and reasonable option for financing your mental healthcare.

Checking your rate will not affect your credit score

Behavioral health treatments can get very expensive. Prosper can help.

Although the benefits from mental health treatment can be life-changing, insurance companies don’t always cover the costs. Even with coverage, you may still end up spending large amounts out-of-pocket because of high deductibles.

Understanding types of mental health treatments and their associated costs may help you evaluate your financial situation and whether behavioral health financing may be right for you.


Many different forms of psychotherapy, talk therapy, and counseling can help with understanding thoughts, emotions, behaviors, and interpersonal relationships in a more meaningful and constructive way.

Addiction recovery

From inpatient and outpatient programs to various forms of counseling and therapy, there are many different options for addiction treatment.

Residential facilities

Residential facilities can provide supportive living environments for those with mental health challenges, offering a structured and therapeutic setting and ongoing care and support.

Inpatient treatment & day programs

Treatment centers offer a variety of long and short-term stays as well as various day programs for intensive mental health treatment and recovery.

Wilderness therapy

Wilderness therapy is an experiential and holistic approach to mental health treatment, set in nature and designed for individuals struggling with emotional, behavioral, or psychological issues.

Therapeutic boarding schools

Specialized educational institutions provide a structured and supportive environment where students can receive academic education while also addressing their emotional and psychological needs.

Fast, flexible funding when you need it

Mental health financing through Prosper gives you the fast, flexible funding you need to get the procedures and care you want.
  • An easy online application: You’ve got enough on your mind while you’re trying to sort out mental health treatment plans for yourself or someone you love. Prosper’s application process is quick and painless so you can focus on what’s most important.
  • No rate hikes or payment increases: A simple payment schedule for a set term of 2-5 years¹ gives you peace of mind. There are no rate hikes or payment increases.
  • No prepayment penalties: Mental health treatment can take time. Prosper has no prepayment penalty, another reason why this is an excellent choice to cover expenses over extended periods.
  • Fixed rates range from 6.99% to 35.99% APR¹: Prosper offers reasonable interest rates based on your credit history and unique financial situation, providing an affordable option to access behavioral health financing.
  • Flexible usage: Funds are disbursed directly to you, allowing you to use them however you need. Prosper gives you the financial flexibility to handle expenses during your mental healthcare journey.
  • Fast funding from $2,000-50,000¹: Funds from personal loans through Prosper are disbursed as quickly as the next business day² after approval, giving you access to the funds you need right away.

Checking your rate will not affect your credit score


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 9.88% and a 6.99% origination fee for an annual percentage rate (APR) of 14.93% APR. You would receive $9,301 and make 36 scheduled monthly payments of $322.11. A five-year $10,000 personal loan would have an interest rate of 11.64% and a 7.99% origination fee with a 15.36% APR. You would receive $9,201 and make 60 scheduled monthly payments of $220.63. Origination fees vary between 1% and 7.99%. Personal loan APRs through Prosper range from 6.99% 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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