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Check your rate

Get more with a personal loan

  • Fast, next business day funding1
  • Borrow up to $50,0002
  • Low, fixed rate
Check your rate
Checking your rate won’t affect your credit score
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What our customers are saying

Testimonials are from actual prosper customers

Great place for a personal loan. Super easy and fast funding. I highly recommend! 

  • Margaret – July – 2024

The process was easy, and the funds were in my account almost immediately. 

  • Ray – July 2024

Why choose Prosper?

Fast

Get prequalified in minutes. Fast next business day funding1

Flexible

Choose 2-5 year loan terms3

Worry-free

Keep money in your pocket with no pre-payment penalties

Check your rate
Checking your rate won’t affect your credit score

"I would recommend to anyone interested in a personal loan"

-Traci

5 out of 5 star review

7/12/2024

woman and child - mobile

$26 Billion +

borrowed in personal loans

through Prosper

1.5 Million +

Personal loan customers

4.4 star

Credit Karma rating

How it works

Check your rate

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

Choose your loan

Choose the offer with the terms that work best for you.

Get your funds

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

Check your rate
Checking your rate won’t affect your credit score

Trusted by our customers

Excellent Trustpilot score based on thousands of reviews.

Support when
you need it

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

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  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 transaction processing speed.

2  Eligibility for personal loans up to $50,000 depends on a number of factors, including (but not limited to) your financial history, credit score, monthly income, and monthly expenses. Eligibility for personal loans is not guaranteed, and requires sufficient investor commitments to fund. All personal loans made by WebBank.

3  Personal loans through Prosper have an annual percentage rate (“APR”) of 8.99% to 35.99%, terms between two and five years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 9.38% and a 9.99% origination fee results in a 16.74% APR. You would receive $9,001.00 and make 36 scheduled monthly payments of $319.77. A five-year $10,000 personal loan with an interest rate of 11.14% and a 9.99% origination fee results in a 15.84% APR. You would receive $9,001.00 and make 60 scheduled monthly payments of $218.12. Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ. The average APR for loans with a 3-year term funded between January 1, 2024, and July 31, 2024, was 24.79%.

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