Personal Loans with Great Rates

Prosper’s personal loan marketplace is easy to use

If you have good credit, you’re a perfect candidate for a personal loan through Prosper’s peer-to-peer lending marketplace. We connect people looking to borrow money with investors. Get low fixed rates without any of the hidden fees and red tape associated with other types of loans. Signing up is quick and easy. And of course, we always keep your personal loan information secure and anonymous.

It’s easy to apply for personal loans:

  1. Give us some basic information about yourself.

  2. Check your rates and review your loan options.

  3. Once investors commit funds to your loan, your loan will originate and be deposited in your bank account.

That’s it! Your monthly loan payments are fixed and, if you choose, will be automatically deducted from your bank account. There are no hidden fees or prepayment penalties, and your loan’s interest rate will never change.

Loans through prosper are unsecured – no collateral required

Looking for a loan to consolidate debt, start a small business, or remodel your kitchen, but find you lack the property or other collateral that some banks might require for such loans? Good news: All loans through Prosper are unsecured. You qualify for a loan based on your credit history.

You can use your loan for almost any purpose

You’re free to use the cash from your personal loan through Prosper in a wide variety of ways to enhance your life or business, such as:

Does my credit score affect my loan?

Yes. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure of your credit score, we can help you find out now, for free, with no obligation. You need not have “perfect credit” to obtain a loan through Prosper.

What can I do to get my loan faster?

You can get your loan faster by submitting all required information and documents promptly. As we process your loan application, we’ll email you with any additional information you need to provide. You can track the progress on your loan application through our Verification Stage system which indicates how far along we are verifying the information you submitted.

APR starting at

6.95%for best borrowers

Rates from 6.95% to 36.00% APR

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Introducing Business Loans from

Borrow up to
Prosper does not offer business loans, but we think our partner OnDeck could be a great fit for you. Eligible businesses are older than 1 year with a minimum of $100,000 in annual revenue. Get approved in minutes.