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Legal Agreements & Notices

Below is a list of current legal agreements and policies, organized by role. All documents open in a new browser tab.

All site members

  • Privacy Policy
  • Terms of Use and Electronic Consent
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  • Legal Compliance

Personal Loan Borrowers

  • Borrower Registration Agreement
  • Debit Authorization
  • Promissory Note Sample
  • Credit Profile Authorization

Cardholders

  • Prosper® Card Cardholder Agreement

Investors

  • Credit Profile Authorization
  • Investor Registration Agreement
  • Tax Withholding Certification
  • Prospectus
  • State Financial Suitability Requirements
  • Amended and Restated Indenture
  • Estimated Loss Rates

Corporate Governance

  • Code of Ethics and Business Conduct
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* For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 1% and 5%. 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.

Prosper and WebBank take your privacy seriously. Please see Prosper's Privacy Policy and WebBank's Privacy Policy for more details.

Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.


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