What our customers are saying

Personal loan rates as low as 6.99% APR



Fast, next business day funding


Borrow up to $50,000

Low, fixed rate

Checking your rate won't affect your credit score

Checking your rate won't affect your credit score

This is my 3rd loan with Prosper they are very efficient. I have never had any issues with them and have referred many friends.

I had the best experience! The staff was friendly and helpful and explained everything clearly. Thank you!

Penny - June 2022

Melissa - June 2022

Why choose Prosper?




Get prequalified in minutes. Fast next business day funding


Keep money in your pocket with no pre-payment penalties

Choose 2-5 year loan terms


Checking your rate won't affect your credit score

"It was quick and easy. Money was in my account within 2 days."


5 out of 5 star review6/1/2022

18 Billion +

1 Million +

4.5 star

borrowed in loans

Prosper customers

Credit Karma rating

How it works

Check your rate

Choose your loan

Get your funds

Select your loan amount, answer a few questions and get your lowest eligible rates instantly.

Choose the offer with the 

terms that work best for you

Your money goes straight to your bank account via direct deposit.

Checking your rate won't affect your credit score

Trusted by our customers

Support when you need it

Excellent Trustpilot score based on thousands of reviews.

We’re here to help you every step of the way. Reach out with any questions.



To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

1 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 2.41%-5%. Personal loan APRs through Prosper range from 6.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. Your actual rate depends on credit history, income, loan term, and other factors. The average APR for a funded 3-year personal loan between January 1, 2022 and December 31, 2022 was 22.48%. All personal loans made by WebBank.

2 You may receive your funds one business day following 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.

3 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. 


Prosper Marketplace, Inc. – NMLS# 111473

© 2005-2023 Prosper Funding LLC. All rights reserved.

221 Main Street, Suite 300, San Francisco, CA 94105 | 6860 North Dallas Parkway, Suite 200, Plano, TX 75024

Prosper’s Privacy Policy | WebBank's Privacy Policy | Licensing & Disclosures | NMLS Consumer Access | Contact Us