Get a low-rate unsecured loan through Prosper today
Learn about borrowing with Prosper today.
Are you ready to pay down high-rate balances on your credit cards? Or is now the time to kick-start that small business or home improvement project you've been dreaming about? Make the smarter debt choice with a no-collateral, fixed-rate loan that beats the competition.*
With a Prosper Loan you can borrow up to $35,000 with no teaser rates or hidden fees, and it takes just minutes to get started. Here's how it works:
Provide some basic information about yourself
Check your rate and review your loan options
Complete your Prosper Loan request
Sit back and relax as investors commit funds to your loan
Check your rate in minutes and watch your loan get funded in as few as three days. It's that easy.
The Prosper Team
Frequently Asked Questions
What kind of loans are available at Prosper?
Prosper offers fixed rate, "fully amortizing"**, unsecured loans from $2,000 to $35,000. Different loan terms are available depending upon your credit history, income, loan amount, and other factors.
Will applying for a Prosper Loan affect my credit score?
Applying for a Prosper Loan will not affect your credit score unless you choose to take a loan. If you do not receive a loan, there will be no effect on your credit score.
What are the fees for getting a Prosper Loan?
There are no fees for applying for a Prosper Loan. A closing fee between 1.95% and 4.95% of your loan amount will be charged only when your loan is funded and money is transferred to you. There are no fees for paying off your loan early or for making partial prepayments.
How long does the borrowing process take?
The average borrower has the loan proceeds deposited into their bank account within 8 days of submitting their application.
For more information or answers to other questions, visit www.prosper.com/help.
* Eligibility for a loan is not assured and requires that a sufficient number of investors commit to invest in your loan. Refer to the Borrower Registration Agreement for all terms and conditions. All loans made by WebBank, a Utah-chartered Industrial Bank, member FDIC.
** "Fully amortizing" means that the loan balance is paid off through equal monthly payments (the final payment may vary slightly from your regular payment due to the daily accrual of interest and the effect of rounding).
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