If you don’t know it, give us your best guess.
You can choose up to $40,000.2
$2,000 – $50,000 loans | 2 to 5 year terms3 | Low interest rates
Get your funds as soon as 1 business day after completing requirements.4
Pay off your loan with fixed 2 to 5 year3 terms and a single budget-friendly monthly payment.
Save on interest when you pay off early—no added fees!
Checking your rate won’t affect your credit score.
Submit your personal loan application in minutes
Receive your money as soon as 1 business day after completing requirements4
You'll have a single monthly loan payment and a fixed rate, and you could end up saving on interest.
Visit the Prosper Help Center for more support
Yes, loans through Prosper have origination fees. It gets deducted by the lender from the proceeds of the loan at origination. This means that you don't have to worry about paying an origination fee separately. You may want to consider adjusting the requested loan amount, to account for the impact of the origination fee on the amount of cash you receive if you are approved.
No, there is no prepayment penalty when you prepay your loan through Prosper. You can pay off your loan according to the terms in your documents or as early as you want. There is no additional fee for paying off early. Depending on the amount of your origination fee, you may even get get a rebate of a portion of your origination fee if you pay off early.
Prosper welcomes those with less-than-perfect credit to apply because we believe there’s more to creditworthiness than credit scores alone. Applicants with FICO scores above 600 have the best chances of being approved, but Prosper uses many factors to determine eligibility. (Checking your rate and eligibility can be done without affecting your credit score.) We’ve partnered with the financial services search engine AmOne to help applicants with FICO scores under 600 explore the various options they may have available to them. You can visit AmOne and learn more by clicking here.
Personal loans through Prosper may be funded as early as the next business day after 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.
Your security is our highest priority.
Prosper uses 256-bit encryption to keep your information safe.
Take charge of your finances with a quick and easy custom solution. Use the Prosper platform to consolidate debt, finance home improvements, pay for healthcare, apply for a home equity line of credit or home equity loan, or get a credit card in just a few simple steps.