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How to Get a Loan
1. Create your loan listing
Creating a loan listing on Prosper is easy and only takes a few minutes. You will be asked to fill out some personal information, which will help us to give you the best rate and loan terms possible and protect you and others against fraud. We will check your identity and obtain your credit score. (This will not affect your current credit score.)
We'll then assign your loan listing a Prosper Rating, which is based on your credit score from a credit bureau (Experian) and another score developed internally by Prosper. Your loan's interest rate will be based on your Prosper Rating .
Now the fun begins: you create a custom loan listing by giving your listing a title and adding a description of your loan purpose and your financial situation.
What's the difference between a listing and a loan?
A listing is your request for a loan. Your listing will be displayed for investors to view. You will receive a loan after your listing is funded and your information has passed Prosper's verification process, as needed.
2. Investors commit funds to your loan
Once your listing is live on Prosper, lenders will be able to view your listing and invest in it. At any time in this funding process, you can see the progress of your loan's funding.
The listing will stay active until either it is fully funded or the 14 day listing period ends. If it does not receive at least the minimum required level of funding within the 14-day period, no loan will be made. If you want to try again, you do so by creating a new listing.
Increase your chances and get your money faster
Submit all requested information and documents as soon as possible. Keep an eye on your listing's Verification Stage icons, which tell you and potential investors how far along your loan application is in the verification process. The higher the Verification Stage, the more attractive your listing is to potential investors. Loans that reach Verification Stage 3 are much more likely to originate.
3. Receive your money!
Once your listing is fully funded, the funds will be deposited directly into your bank account within a few days.
Prosper may conduct a final identity verification before funds are released.
4. Make monthly payments
Prosper will make monthly automatic withdrawals from your bank account in the amount of your agreed-upon monthly loan payment.
If you choose, you may make an optional additional loan payment or pay off your loan early without penalty. If you make your payment with a paper check, manual check fees will apply.
Borrow $2,000 to $25,000 - ALL Credit Types Accepted!!
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