Personal loan calculator

Estimate rates and payments

  • Estimate your rate and monthly payment in less than 30 seconds.
  • This is not an application and won’t affect your credit score.
1 / 5

What’s your estimated credit score?

If you don’t know it, give us your best guess.

680-699

600
850
2 / 5

How much would you like to borrow?

You can choose up to $40,000.

$8,000

$2,000
$40,000
3 / 5

How do you earn your income?

4 / 5

What’s your estimated annual pre-tax income?

$96,000

$0
$300,000
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Do you own or rent your home?

Personal loans made easy

$2,000 – $40,000 loans | 3 & 5 year terms3 | Low interest rates

  • NEXT DAY FUNDING

    Get your funds as soon as 1 business day after completing requirements.4

  • PAY AT YOUR OWN PACE

    Pay off your loan with fixed 3 or 5 year3 terms and a single budget-friendly monthly payment.

  • No prepayment penalties

    Save on interest when you pay off early—no added fees!

Check your rate

Checking your rate won’t affact your credit score.

How Personal Loans work

  1. Check your rate

    Submit your personal loan application minutes

  2. Get approved & get your funds

    Receive your money as soon as 1 business day1

  3. Pay off Credit Card Debt

    You'll have a single monthly loan payment and a fixed rate, and you could end up saving on interest with a lower interest loan.

Questions? We're here to help

Visit the Prosper Help Center for more support

Does Prosper charge an origination fee?

Yes, loans through Prosper have origination fees. This nominal fee is what keeps our business up and running, and we do everything we can to keep it as low as possible. While some lenders will spread origination fees across the life of the loan, at Prosper we charge the fee up front and take it out of the loan itself.  Doing this ensures that borrowers have lower monthly payments than they would if the fee were spread across the duration of the loan term. 

Does Prosper charge pre-payment penalties?

No, Prosper does not charge pre-payment fees. You can pay off your loan according to the terms in your original offer or as early as you want. Prosper does not charge extra costs for pre-payments.

What credit score do you need to have for a personal loan through Prosper?

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.

If my offer is accepted, how soon will a loan through Prosper get funded?

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. 

Security that doesn't cut corners

Your security is our highest priority.

Prosper uses 256-bit encryption to keep your information safe.

Want to learn more about personal loans?

Check out these posts from Prosper’s blog to learn more about personal loans and decide if a personal loan is right for you.