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PROSPER TODAY WITH ONLINE LOANS & MORE

Smart, simple tools for borrowing, saving & earning

Get started with Personal Loans


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PROSPER TODAY WITH
ONLINE LOANS & MORE


SMART, SIMPLE TOOLS FOR BORROWING, SAVING & EARNING

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 * PERSONAL LOANS
   
   FROM $2,000 - $50,0001
   
   


 * CREDIT CARD
   
   FROM $500 - $3,000+
   
   


 * HOME EQUITY
   
   UP TO $500,0003
   
   


 * INVESTMENTS & IRAS
   
   INVEST IN REAL PEOPLE
   
   


FOR NEARLY 20 YEARS, PEOPLE HAVE CHOSEN PROSPER TO HELP FUND THEIR DREAMS

See our 12,804 reviews on

left

Chi

3 days ago

I just called to make sure the loan deposit was coming to my bank account number
correctly as it was delayed. But it's assured it was and

Traci

4 days ago

Applying for a loan with Prosper was fast and easy. The process was simple. You
get a response quick and it does not affect your credit

Robert Tinsley

4 days ago

So easy WOW !!

Katherine

5 days ago

Smooth process from start to finish.

Markeith

5 days ago

Easy and very helpful

Israel

5 days ago

Had the loan money on time.

Tyrone

6 days ago

Excellent and timely services!

Out Yonda

6 days ago

The same, fast, and trustworthy service that I have grown accustomed to.
Slide 2 of 8


ESTABLISHED SINCE




2005





1M +


TRUSTED CUSTOMERS




ONLINE LOANS, AND SO MUCH MORE

Find a range of financial solutions including credit cards, personal loans,
HELOCs and HELoans, investing opportunities, and educational content focused on
financial knowledge. These are designed to support you in consolidating debt,
financing home improvements, covering healthcare costs, and most importantly,
enhancing your financial well-being.

Check your rate


ESTABLISHED SINCE




2005





1M +


TRUSTED CUSTOMERS

Check your rate


MEET YOUR FINANCIAL NEEDS


FIND PEACE OF MIND

TAKE CONTROL


PERSONAL LOANS



TAKE CONTROL


PERSONAL LOANS


 * BORROW UP TO $50K 1


 * NEXT-DAY FUNDING2


 * NO PRE-PAYMENT PENALTY

Explore

FIND FREEDOM


CREDIT CARD


 * UP TO $3,000 CREDIT LIMIT


 * ZERO FRAUD LIABILITY


 * NO SECURITY DEPOSIT REQUIRED

Explore

FIND FREEDOM


CREDIT CARD



LEVERAGE YOUR HOME EQUITY


HOME EQUITY



LEVERAGE YOUR HOME EQUITY


HOME EQUITY


 * ACCESS UP TO $500,0003


 * LOW-RATE HELOCS & HELOANS


 * APPLY IN MINUTES

Explore

DIVERSIFY & DO GOOD


INVESTMENTS & IRAS


 * INVEST IN PERSONAL LOANS


 * AVG. HISTORICAL RETURNS: 5.5%4


 * EMPOWER REAL PEOPLE

5.5

Explore

DIVERSITY & DO GOOD


INVESTMENTS & IRAS




QUESTIONS? WE’RE HERE TO HELP


QUESTIONS? WE’RE HERE
TO HELP

Find answers to our community’s questions below, or visit our Help Center to
learn more.

IS PROSPER A LEGITIMATE COMPANY?

This might seem like an unusual question, but when it comes to trusting
financial institutions with personal finances—especially online—many people are
understandably cautious. Is this safe? How do I apply? Am I making the right
decision? These are important concerns, and we’re here to help you find
satisfactory answers. We believe your trust is ours to earn and keep.

Here are the brass tacks: Prosper was founded in 2005 as the first peer-to-peer
lending marketplace in the United States. In almost 20 years, Prosper has
facilitated more than $27 billion in loans to over 1.7 million people. We now
provide a variety of simple, fast, fair, and personalized financial tools and
resources that support people’s lives.

Prosper uses significant safeguards, including physical, technical, and
operational controls to protect personal information. If you have any questions
about the security of your information, you can always write us at
privacy@prosper.com.

You can also visit our Prospectus page to view Prosper’s latest SEC filings.

Prosper has an A+ rating from the Better Business Bureau. The company serves on
the Board of Directors for the American Fintech Council, an organization that
promotes a transparent, inclusive, and customer-centric financial system and
fosters responsible innovation in financial technology.

You can learn more about Prosper’s story, our values, and our team by visiting
our About Us page.

WHAT DOES PROSPER DO?

Prosper offers a variety of resources people can use to try and improve their
financial health, regardless of their financial situation.

Whether you’re just starting out and trying to establish your credit and
financial profile, or you’re a financial expert looking for a new investment
vehicle, Prosper can help you improve your financial wellbeing.

Users can get started with their credit using the Prosper® Card, they can
consolidate debt, improve their home, or finance healthcare costs with personal
loans. For individuals who own their home, Prosper can facilitate a fast and
easy home equity line of credit. Investors who may be looking for new
opportunities to diversify their portfolio can invest in personal loans.

Individuals who aren’t ready for any of what’s mentioned above but are
interested in learning more about ways to improve their financial knowledge can
spend some time reading the Prosper blog and can sign up for monthly
newsletters.




SECURITY THAT DOESN’T CUT CORNERS

Your security is our highest priority.
Prosper uses 256-bit encryption to keep your information safe.


 * PERSONAL LOANS
   
   FROM $2,000 - $50,0001
   
   


 * CREDIT CARD
   
   FROM $500 - $3,000+
   
   


 * HOME EQUITY
   
   UP TO $500,0003
   
   


 * INVESTMENTS & IRAS
   
   INVEST IN REAL PEOPLE
   
   

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.

 

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 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.



2 You may receive your funds one 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.



3 Eligibility for a home equity loan or HELOC up to the maximum amount shown
depends on the information provided in the home equity application. Depending on
the lender, loans above $250,000 may require an in-home appraisal and title
insurance. Depending on the lender, HELOC borrowers must take an initial draw of
$50,000 at closing; subsequent HELOC draws are prohibited during the first 90
days following closing; after the first 90 days following closing, subsequent
HELOC draws must be $1,000, or more, except in Texas, where the minimum
subsequent draw amount is $4,000.



Home equity products through Prosper may not be available in all states.

 

All home equity products are underwritten and issued by Prosper’s Lending
Partners. Please see your agreement for details.


Jun 30 2024

4 Weighted average historical return for loans originated through Prosper as of
Jun 30 2024 (the “Calculation Date”). To be included in the historical return
(“Historical Return”) calculation, the loan must have originated (a) on or after
July 1, 2009, and (b) at least 12 months prior to the Calculation Date.
Historical Returns are based on actual payments (other than principal) received
by the investor net of fees and losses (including from charged-off loans) on
loans originated through the Prosper platform.

 

 

We calculate the Historical Return for loans originated through Prosper as
follows. First, loans are separated into distinct “Groups” based on the specific
month and year in which they were originated and their Prosper Rating at
origination. For each Group, we calculate: (a) the sum of the interest paid,
plus late fees, minus servicing fees, minus collection fees, in each case on
active loans, plus net recoveries on charged-off or defaulted loans, plus net
debt sale proceeds on sold loans, minus gross principal losses; divided by (b)
the sum of the principal balances outstanding on active loans at the end of each
day since origination. We then annualize the result to get the “Historical
Return” for the Group. Once this calculation is performed for every Group, we
compute the cumulative-outstanding-principal-dollar-weighted average of their
Historical Returns. This gives us the “weighted average Historical Return” for
loans originated through Prosper. For purposes of this calculation, “active”
means loans that are either (i) current in payments or (ii) delinquent, provided
that delinquent loans that have charged-off or are in default are not considered
active. Loans that have paid off are also not considered active.

 

 

The Historical Return calculation (a) is updated quarterly; and (b) excludes the
impact of servicing-related corrective non-cash adjustments that may modify the
outstanding balance or status of a borrower loan. The actual return on any Note
depends on the prepayment and delinquency pattern of the loan underlying each
Note, which is highly uncertain. Individual results may vary. Historical
performance is no guarantee of future results and the information presented is
not intended to be investment advice or a guarantee about the performance of any
Note.

 

The Prosper Credit Card is an unsecured credit card issued by Coastal Community
Bank, Member FDIC, pursuant to license by Mastercard® International.

 

All personal loans made by WebBank.

 

Prosper and its lending partners take your privacy seriously.

Please see Prosper’s Privacy Policy, WebBank’s Privacy Policy, Coastal Community
Bank’s Privacy Policy, and Spring EQ’s Privacy Policy for more details.

 

Prosper Marketplace, Inc. NMLS#111473 (https://www.nmlsconsumeraccess.org)

Licensing & Disclosures | NMLS consumer access




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Prosper Funding LLC

221 Main Street, Suite 300 | San Francisco, CA 94105

Contact Us | Terms of Use and Electronic Consent

© 2005-2024 Prosper Funding LLC. All rights reserved.




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