If you don’t know it, give us your best guess.
You can choose up to $40,000.‡
$2,000 – $40,000 loans | 3 & 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 3 or 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 affact your credit score.
Submit your personal loan application minutes
Receive your money as soon as 1 business day1
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.
Visit the Prosper Help Center for more support
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.
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.
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.