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Products
Personal Loans
Debt Consolidation
Home Improvement
Healthcare Financing
Loan Calculator
New
Estimate Calculator
New
HOME EQUITY
Explore heloc
How it works
Heloc calculator
Credit Card
New
Apply Now
Find an Atm
Invest
returns
how it works
Resources


PERSONAL FINANCE

BUDGETING AND GOALS
Finance for Homeowners
Financial Literacy
Financial Wellness
Financial Habits
See all


WHAT'S YOUR GOAL?

Debt Consolidation
Credit Management
Managing Debt
Saving and investments
Best Practices
See all


INVESTOR

performance updates
tax guides
quarterly updates
investor updates


NEED HELP?

help center
contact us
About Prosper


COMPANY

About us
Press
Work with us


FOLLOW US

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Twitter
Linkedin
Log in
Products
Personal Loans
Debt Consolidation
Home Improvement
Healthcare Financing
Loan Calculator
New
Estimate Calculator
New
HOME EQUITY
Explore heloc
How it works
Heloc calculator
Credit Card
New
Apply Now
Find an Atm
Invest
returns
how it works

Resources


PERSONAL FINANCE

BUDGETING AND GOALS
Finance for Homeowners
Financial Literacy
Financial Wellness
Financial Habits
See all


WHAT'S YOUR GOAL?

Debt Consolidation
Credit Management
Managing Debt
Saving and investments
Best Practices
See all


INVESTOR

performance updates
tax guides
quarterly updates
investor updates


NEED HELP?

help center
contact us

About Prosper


COMPANY

About us
Press
Work with us


FOLLOW US

Facebook
Instagram
Twitter
Linkedin

Log in


PROSPER TODAY WITH ONLINE LOANS & MORE


SMART, SIMPLE TOOLS FOR BORROWING, SAVING & EARNING

Get started with Personal LoanGet started


 * PERSONAL LOANS
   
   FROM $2,000 - $40,0001


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


 * HOME EQUITY LINES
   
   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 10,066 reviews on

Slide 0 of 8

sandy cook

15 hours ago

Fast and easy application. Was approved in 2 business days. Communication was
great. Have had previous loans with prosper. Always excellent customer service!
Will continue...

kerri segar

15 hours ago

The CSR that called me was very helpful! She went above and beyond to help me
access my loan offer. I had issues, but together...

yuniel caballin

16 hours ago

Quick service. Very satisfied

al brown

16 hours ago

Returning customer. So smooth and easy it was like asking my brother to borrow
10 dollars. I cannot really tell you how easy it was...

wendy

16 hours ago

Easiest way to take out a loan.

oluwagbemiga adigun

16 hours ago

Customer service was great

haley ingle

16 hours ago

It was okay still waiting on my funds but overall was a good first experience.

hazel crawford

16 hours ago

My electronic request for my loan was easy and efficient. The response was very
quick.

Slide 2 of 8


ONLINE LOANS, AND SO MUCH MORE

Discover a credit card, personal loans, HELOCs, investing opportunities, and
financial knowledge-focused educational content—all designed to help you
consolidate debt, finance home improvements, cover healthcare costs, and, above
all, advance your financial wellbeing.

Check your rate


ESTABLISHED SINCE 2005




1M+ TRUSTED CUSTOMERS

Check your rate


MEET YOUR FINANCIAL NEEDSFIND PEACE OF MIND


PERSONAL LOANS

TAKE CONTROL


 * Borrow up to $40K1
 * Next-day funding2
 * No pre-payment penalty

Explore


CREDIT CARD

FIND FREEDOM


 * Up to $3,000 credit limit
 * Zero fraud liability
 * No security deposit required

Explore


HOME EQUITY LINES OF CREDIT

SAVE & SIMPLIFY


 * Borrow up to $500K3
 * No paperwork needed
 * Flexible monthly payments

Explore


INVESTMENTS & IRAS

DIVERSIFY & DO GOOD


 * Invest in personal loans
 * Avg. historical returns: 5.7%
 * Empower real people

Explore


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?

Prosper was founded in 2005 and was the first peer-to-peer lending marketplace
in the United States. Prosper has facilitated more than $21 billion in loans to
over 1.3M people.

Prosper also acts on the board of directors for the American Fintech Council. As
according to the American Fintech Council Website, The American Fintech Council
is an organization with a philosophy to use technology to create innovative
financial services. It provides services that are affordable and transparent and
help Americans build financial health.

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

You can view Prosper’s legal agreements (such as privacy policy, terms of use,
and more) and notices here.

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

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

WHAT CREDIT SCORE DO YOU NEED FOR A LOAN THROUGH PROSPER?

Every individual has a different and unique financial situation. That said, if
your credit score is under 600, you might not qualify for a loan through
Prosper.

The best way to know if you are eligible to receive a personal loan through
Prosper is to visit our personal loans page and apply. Checking your eligibility
and rate will not affect your credit score.

If you are not eligible to receive a personal loan through Prosper on your own,
you could consider adding a co-applicant. Adding a co-applicant could improve
your chances of having your personal loan application approved. You can learn
more about joint personal loans here.

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.

ARE PROSPER LOANS SECURED?

Personal loans through Prosper are unsecured loans. They do not require
collateral.

Secured loans are loans that require collateral, such as a mortgage or an auto
loan. When providing collateral for a secured loan, borrowers have a lien placed
on the asset used as collateral for the loan, and that lien is removed once the
loan is paid off.

Personal loans through Prosper are unsecured. Personal loans through Prosper do
not require collateral. To learn more about the difference between secured and
unsecured loans, visit our blog post on the topic here.


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 - $40,0001
   
   


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


 * HOME EQUITY LINES
   
   UP TO $500,0004
   
   


 * INVESTMENTS & IRAS
   
   INVEST IN REAL PEOPLE
   
   

Borrow

 * Personal Loans
 * Home Equity (HELOC)
 * Debt Consolidation
 * Home Improvement
 * Healthcare Financing
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Prosper and WebBank take your privacy seriously.

Please see Prosper's Privacy Policy and WebBank's Privacy Policy for more
details.

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 $40,000 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 HELOC up to $500,000 depends on the information provided in
the HELOC application. Loans above $250,000 require an in-home appraisal. Loans
above $250,000 require title insurance.

HELOCs through Prosper may not be available in all states. Please carefully
review your HELOC credit agreement for more information.

Links to third party sites are provided for your convenience and do not
constitute an endorsement.

All HELOCs are underwritten and issued by Spring EQ, LLC, an Equal Housing
Lender. NMLS #1464945.

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 Marketplace, Inc. NMLS#111473 (https://www.nmlsconsumeraccess.org)
Licensing & Disclosures | NMLS consumer access


Equal Housing Lender logo representing insurance coverage by the Federal Deposit
Insurance Corporation in the USBetter Business Bureau accreditation stamp
representing marketplace trustworthiness and integrity
Licensing and Disclosures

Prosper Funding LLC

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

6860 North Dallas Parkway, Suite 200 | Plano, TX 75024

Contact Us | Terms of Use and Electronic Consent

© 2005-2022 Prosper Funding LLC. All rights reserved.