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I have been using this company for years, honest company with fair and straight forward pricing.

— Valerie · Trustpilot (1/26)

The processes are seamless and the people are responsive to any questions we may have had.

— Michael · Trustpilot (1/26)

This is my 2nd personal loan through Prosper. Very smooth and easy transactions, will always use them as my go-to.

— Christina · Trustpilot (1/26)

A streamlined process for established customers, and I consider myself one of them.

— Mahmoud · Trustpilot (1/26)

I have been a customer of Prosper for a few years. Everyone is very professional. The funds are in your account very fast.

— Antoinette · Trustpilot (12/25)

Fast and friendly service. You all rock!

— Roger · Trustpilot (12/25)

Website is easy to use and very straightforward. This is my 3rd loan through Prosper, and I highly recommend this company.

— Connie · Trustpilot (12/25)

I have been using this company for years, honest company with fair and straight forward pricing.

— Valerie · Trustpilot (1/26)

The processes are seamless and the people are responsive to any questions we may have had.

— Michael · Trustpilot (1/26)

This is my 2nd personal loan through Prosper. Very smooth and easy transactions, will always use them as my go-to.

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Testimonials are from actual Prosper customers.

For the latest information about the September 17, 2025, cybersecurity incident, click here. Questions? See FAQs or call 833-918-9464. The line is open Monday through Friday, 8AM–5PM CT, excluding major US holidays.

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 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.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 Weighted average historical return for loans originated through Prosper as of March 31 2025. 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). 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, and Coastal Community Bank’s Privacy Policy for more details.Prosper Marketplace, Inc. NMLS#111473 (https://www.nmlsconsumeraccess.org)Licensing & Disclosures | NMLS consumer access

5.2

Mar 31 2026

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Get your rate in minutes: Quickly see what interest rate and estimated monthly payment you may qualify for.Choose your monthly payment: Choose a loan term and monthly payment that work best for you.Get your funds as soon as 1 business day: Quickly and conveniently receive your money through direct deposit.

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Use a personal loan to cover just about anything you need. From consolidating debt to covering healthcare costs or paying for a special occasion, a personal loan through Prosper can help you meet your goals.

Debt consolidation
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I truly appreciate how straightforward and stress-free they make borrowing. I’ll absolutely continue to be a Prosper customer for life.
— Helene, May 2026

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Prosper helped me to overcome my financial difficulties at the time I was struggling financially. I'm now on way to financial stability.
— Daniel, May 2026

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This was a great experience. The whole process was easy and efficient with no runaround like other companies. I received the money very quickly.
— Todd, April 2026

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Full transparency and prompt service, as well as excellent customer service.
— Charles, April 2026

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Repeat customer. Very satisfied with how quick and smooth everything went. Truly a remarkable company!
— Marybeth, April 2026

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[H2] Consolidate debt. It could save you:

[H3] $2,3093

In interest on a 3-year loan with a monthly payment of $710 and an APR1 of 16.7%

3yr term

For illustrative purposes only. Use the full calculator
The above calculation assumes consolidating $20,000 in debt at an average interest rate of 23%.

[H2] Different monthly payment options

Personal loan amount
2yr term
3yr term
4yr term
5yr term
6yr term

$2,000
$92.29
$64.53
$50.73
$42.49
$37.05

$15,000
$692.17
$484.01
$380.44
$318.71
$277.89

$30,000
$1,384.35
$968.02
$760.88
$637.41
$555.78

$50,000
$2,307.25
$1,613.36
$1,268.13
$1,062.35
$926.29

This chart uses 10% APR as an example. APRs on fixed rate loans through Prosper range from 8.99% to 35.99%. Your credit worthiness determines the APR on your offer.3

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[H2] Common questions

Get more support in the Prosper Help Center

[H4] What is a personal loan?

A personal loan is money that you borrow from a lender and pay back in fixed monthly payments over a set period, such as 2 to 6 years. Most personal loans have a fixed interest rate.Personal loans through Prosper are unsecured, which means they’re not backed by collateral like your home. Instead, our partner, WebBank, issues personal loans based on creditworthiness.Personal loans through Prosper have fixed interest rates. For personal loans through Prosper, borrowers have the option to pay back their personal loans in 2- to 6-year terms.3Prosper borrowers can use their personal loan for a variety of expenses. Some choose to use their loan for home repairs or debt consolidation, while others use it to fund big purchases.

[H4] How do I get a personal loan?

Prospective borrowers can quickly and easily apply for a personal loan with nothing more than some basic personal and financial information.Prosper makes it easy to apply for a personal loan and to check your rate and estimated monthly payments without affecting your credit score.If you’re eligible for a personal loan, you’ll review your offers and choose loan terms that work best for you. Once you accept an offer, you’ll receive your money as soon as 1 business day after completing the necessary requirements.2If you’re applying by yourself, you can also call us at 866-615-6319 to apply for a personal loan by phone. If you’re applying with another person, follow the steps above.

[H4] Will I have to pay any fees on a personal loan through Prosper?

Your loan may be subject to 4 types of fees:Origination feeCheck payment feeLate feeInsufficient funds feeMore information about these fees can be found in Prosper’s Help Center article. Current borrowers can also refer to your Borrower Registration Agreement and Promissory Note (stored in your online account) for more details about fees.

[H4] What if I don’t qualify for a personal loan?

If you don’t qualify for a personal loan through Prosper, consider applying with a co-applicant.Applying with a co-applicant could improve your chances of getting an offer. Plus, it might lower your rate. Your co-applicant should be someone you trust with strong credit and a steady job. Our partner WebBank issues personal loans based on creditworthiness. Borrowers who accept a personal loan through Prosper must have a credit score of 640 or higher to qualify for a loan.

[H4] Is personal loan interest tax deductible?

You can’t deduct the interest you pay on an unsecured personal loan from your taxes unless you use the loan proceeds for business expenses, qualified higher education expenses, or taxable investments.Business expenses are defined by the IRS as costs associated with forming or running a business. The interest that is associated with the loan taken out to form or run your business may be deductible, regardless of the size of your business.Qualified educational expenses can be tax deductible if you use a personal loan to refinance a student loan or pay for eligible educational costs or expenses like tuition. Under these circumstances the personal loan may be eligible for the student loan interest deduction. You can read more about the student loan interest deduction and how it works here.Taxable investments are defined as stocks, bonds, or mutual funds. Taxable investment deductions are not eligible with tax-advantaged investments, like tax-exempt bonds.Remember that the interest from the loan is what is deductible, you can subtract the interest amount as an expense income, which can reduce your total tax liability for that year.Most of these options require itemized deductions, which may not always make sense for everyone. You can read more about personal loans and tax deductions here.Please note that this is not to be construed as tax advice, and we recommend seeking the advice of a tax professional for more information.

[H4] 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 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.

[H2] Do it all in the app: apply, track, pay

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Prosper’s mission is to advance financial well-being. We provide fast, simple financial solutions with personal loans, the Prosper® Card, and investing.

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.

1Eligibility 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.2You 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.3Personal loans through Prosper have an annual percentage rate (“APR”) of 8.99% to 35.99%, terms between two and six years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 17.29% and an 8.99% origination fee results in a 24.19% APR. You would receive $9,101.00 and make 36 scheduled monthly payments of $357.97. A five-year $10,000 personal loan with an interest rate of 15.63% and an 8.99% origination fee results in a 20.02% APR. You would receive $9,101.00 and make 60 scheduled monthly payments of $241.22. 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, 2026, and March 31, 2026, was 24.19%. 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.Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.

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5.2
5.3%
Average historical return1
IRA
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Opportunity to earn monthly passive income
[H2] $28B+
invested in people since 2005
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[H3] Set it and forget it with Auto Invest
Get started with one of our pre-set target investment mixes, or create your own custom mix. The interest earned is automatically reinvested in new loans, ensuring your money is working for you.
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[H3] Fine-tune your investment portfolio
Select which personal loans you’d like to invest in. You’ll have the financial details to help you make savvy decisions. You can check out listings here.
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[H2] How peer-to-peer investing works
[H3] Open an account & connect your bank
The process is quick & easy, and you can start investing with as little as $25
[H3] Choose your investments
You can invest in small portions
of a variety of loans
[H3] Opportunity to earn monthly passive income
Interest can be automatically reinvested through Auto Invest or Recurring Invest
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[H2] Explore our Auto Invest mixes2
Prosper loans are assigned a rating from AA (lower risk, lower return) to HR (higher risk, higher return). Choose a mix with our Auto Invest tool to build your portfolio.
[H2] Explore our Auto Invest mixes2
Prosper loans are assigned a rating from AA (lower risk, lower return) to HR (higher risk, higher return). Choose a mix with our Auto Invest tool to build your portfolio.
AA-B Weighted Mix
Marketplace Mix (AA-HR)
D-HR Weighted Mix
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Historical Return2 Loan Origination Loan Payoff
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[H2] We take security seriously
Our technology monitors for cyberattacks round-the-clock & looks for 300+ data points to identify fraud. Your money is held in FDIC-insured accounts.
[H2] Manage your investments on the go
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[H2] Questions about investing?
[H2] We're here to help
Visit the Prosper Help Center for more support
[H4] How does investing through Prosper work?
Prosper is an online peer-to-peer lending marketplace, where creditworthy borrowers can request a loan and investors can invest in “notes” (or portions) of each loan.
After a borrower accepts their loan offer, we may verify their application information. Upon borrower acceptance, investors have up to 14 days to commit funds to the loan through their Prosper account. Once a borrower passes any additional verification requirements and one or more investor(s) commit enough funds to the loan it’s ready for origination.
Loans through Prosper are amortized, meaning borrowers make fixed monthly payments throughout the duration of their 2, 3, 4 or 5 year term. Each payment is comprised of principal, interest, and any applicable fees. Investors receive a portion of those payments that are proportional to their pro rata share of the loan. These funds are deposited directly into investors’ Prosper Accounts.
[H4] What's the risk?
With any debt, there’s always the risk that a borrower can default on their loan, which could result in a loss for the investor(s) who invested in the loan. Loans are unsecured obligations, meaning they are not secured by any collateral of the borrower. To assess the risk of each loan before committing funds, investors should review the loan request details and the Prospectus.
[H4] Who can invest on Prosper?
Retail investors must be United States permanent residents or citizens who are 18 years of age or older, with a valid Social Security number (or other Taxpayer Identification Number, if investing through a trust, estate, or corporate entity) and checking or savings account. Retail investors must reside in a state that is open to Prosper investors and may also be required to meet suitability requirements established by their state of residence. See more state requirements here.
[H4] Do you recommend a certain starting amount?
While we can’t make any specific recommendations; we have found that investors generate a more stable return when they diversify their investment through many different Notes, with each Note corresponding to the borrower loan of a different borrower. Prosper’s Notes are offered by Prospectus which is an official document that describes all the key information for the investments we offer. You can find our Prospectus on our website at the bottom of any page at www.prosper.com.
For individual general investment accounts, the minimum amount you can invest is $25.
For IRAs managed by our designated custodians, Millennium Trust Company and Alto IRA, the minimum investment amount required to qualify for custodian fee reimbursement is $5,000 in year 1 and $10,000 in all subsequent years. Please note that these minimums refer to the amount invested in Prosper Notes — cash balances will not be counted.
[H4] Is my money FDIC insured?
The cash balance of your Prosper investment account is FDIC insured by Wells Fargo Bank, N.A., a depository bank.
The FBO account that we maintain at Wells Fargo Bank, N.A. for the benefit of investors is FDIC-insured on a “pass through” basis to individual investors, subject to applicable limits and conditions. This means that each individual investor’s balance is protected by FDIC insurance, up to the aggregate amounts established by the FDIC. Other funds the investor has on deposit with Wells Fargo may count against the FDIC insurance limits. Prosper is not an FDIC-insured depository institution. FDIC insurance only covers the failure of Wells Fargo, the FDIC-insured depository institution.
Please be aware that any funds lost due to borrower default or poor Note performance are not FDIC insured, and any invested funds are not deposits, are not guaranteed by any agency of the federal government or by Wells Fargo, and may lose value.
[H4] How liquid are my investments through Prosper?
Personal Loans offered through Prosper are 2, 3, 4 and 5 year terms – meaning borrowers make fixed monthly payments throughout the duration of their loan’s term. Each payment is comprised of principal, interest, and any applicable fees. Investors receive a portion of those payments that are proportional to their pro rata share of the loan. These funds are deposited directly into investors’ Prosper Accounts as uninvested available cash.
Any uninvested available cash in your account is FDIC-insured and can be withdrawn whenever you wish, but your investment (principal and interest) is repaid to you over the course of the underlying loan term.
[H4] What if the borrower misses a payment?
If the borrower does not satisfy their monthly payment within 15 days of the due date, the borrower will be charged a late fee. Late fees are 5% of the payment amount or $15, whichever is greater (unless state restrictions apply).
We divide and distribute the late fees proportionately among the investors in the corresponding Notes, subject to deductions for collection fees and servicing fees.
CollectionsIf a loan is more than one day past due, we may collect on it directly or we may refer it to a third-party servicer or collection agency. Once a loan reaches 121 days past due, it is charged off. Historically, recovery rates on loans once they have entered into collections range from 7-12%.
Investors cannot attempt their own collections efforts or attempt to contact borrowers directly.
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. Weighted average historical return for loans originated through Prosper as of March 31 2025. 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). 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.
2. To establish each pre-set Auto Invest mix, Prosper Notes are distributed across all risk ratings from AA to HR according to Historical Inventory of each risk rating, then: (x) weighted towards AA, A and B risk ratings, for the AA-B Weighted mix; (y) weighted towards D, E, and HR risk ratings, for the D-HR Weighted mix; and (z) unweighted, for the Marketplace Mix. Historical Return range represents the dollar weighted 10th-90th percentile of the Weighted Historical Returns for the mix of loan ratings. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and charge-offs on loans originated through the Prosper platform. To be included in the Historical Return calculation, the loan must have originated (i) on or after July 1, 2009, and (ii) at least 12 months prior to the calculation date. We calculate Historical Returns for loans with this rating or mix of ratings (as applicable) as follows. First, for each origination month, or “Vintage”, we calculate (for all eligible loans): (a) the sum of the interest paid, plus net recoveries, plus net debt sale proceeds, plus late fees, minus servicing fees, minus collection fees, minus gross losses from charge-offs; divided by (b) the sum of the average principal balances outstanding at the end of each day of the calculation month. We then annualize the result to get the “Historical Return” for the Vintage and rating. This calculation is performed for every Vintage, and each applicable rating. Finally, we compute the origination dollar weighted Historical Return of each Vintage and relevant rating to get their “Weighted Historical Returns”.
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. This information is not intended to be investment advice. Historical performance is no guarantee of future results or a guarantee about the performance of any Note. Based on data from current Historical Inventory. Historical Return information as of Jun 30 2025.
Historical Inventory refers to the proportion of Notes on the marketplace represented by each Note risk rating. It is based on the most recent month (approximately) of inventory of the marketplace; provided, however, that Prosper reserves the right to apply such further adjustments to the Historical Inventory and/or the related pre-set target mix as it deems necessary to more accurately reflect the projected availability of each Note risk rating on the platform for the coming month.
Prosper’s borrower payment dependent notes (“Notes”) are offered pursuant to a Prospectus filed with the SEC. Notes are not guaranteed or FDIC insured, and investors may lose some or all of the principal invested. Investors should carefully consider the risks, uncertainties, and other information described in the Prospectus before investing. Investors should consult their financial advisor if they have any questions or need additional information. Nothing on this page is intended to be investment advice.
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Mar 31 2026