Prosper personal loans

Prosper offers borrowers with fair and good credit flexible loans for consolidating debt, funding home improvements and more.

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Est. APR	8.99 - 35.99%
Term	72 mo
Est. monthly payment	$381.27

Loan details

Pay off your cards and watch your credit score climb
Check your exact rate in minutes — no impact to your credit score
Over 1 million borrowers funded since 2005 — $31 billion and counting
Rated Excellent on Trustpilot — 4.5 Stars from 14,000+ verified borrowers
Fast funding — money in your account as soon as the next business day
One fixed rate, one fixed payment — pay it off early anytime with zero penalties
Get funded without putting your home or car on the line — ever
Borrow $2,000–$50,000 — choose a 2 to 6-year term that works for you

Est. APR	8.99 - 35.99%
Term	60 mo
Est. monthly payment	$418.47

Loan details

Pay off your cards and watch your credit score climb
Check your exact rate in minutes — no impact to your credit score
Over 1 million borrowers funded since 2005 — $31 billion and counting
Rated Excellent on Trustpilot — 4.5 Stars from 14,000+ verified borrowers
Fast funding — money in your account as soon as the next business day
One fixed rate, one fixed payment — pay it off early anytime with zero penalties
Get funded without putting your home or car on the line — ever
Borrow $2,000–$50,000 — choose a 2 to 6-year term that works for you

Est. APR	8.99 - 35.99%
Term	48 mo
Est. monthly payment	$476.59

Loan details

Pay off your cards and watch your credit score climb
Check your exact rate in minutes — no impact to your credit score
Over 1 million borrowers funded since 2005 — $31 billion and counting
Rated Excellent on Trustpilot — 4.5 Stars from 14,000+ verified borrowers
Fast funding — money in your account as soon as the next business day
One fixed rate, one fixed payment — pay it off early anytime with zero penalties
Get funded without putting your home or car on the line — ever
Borrow $2,000–$50,000 — choose a 2 to 6-year term that works for you

Est. APR	8.99 - 35.99%
Term	24 mo
Est. monthly payment	$781.81

Loan details

Pay off your cards and watch your credit score climb
Check your exact rate in minutes — no impact to your credit score
Over 1 million borrowers funded since 2005 — $31 billion and counting
Rated Excellent on Trustpilot — 4.5 Stars from 14,000+ verified borrowers

Est. APR	8.99 - 35.99%
Term	36 mo
Est. monthly payment	$576.67

Loan details

Pay off your cards and watch your credit score climb
Check your exact rate in minutes — no impact to your credit score
Over 1 million borrowers funded since 2005 — $31 billion and counting
Rated Excellent on Trustpilot — 4.5 Stars from 14,000+ verified borrowers
Fast funding — money in your account as soon as the next business day
One fixed rate, one fixed payment — pay it off early anytime with zero penalties
Get funded without putting your home or car on the line — ever
Borrow $2,000–$50,000 — choose a 2 to 6-year term that works for you

Terms presented, including APR and monthly payment amount, are estimated and created based on information entered by you and through analysis of historical data on loans through Prosper. Your eligibility for a loan and actual terms depend on the information you provide in your application, and other variables including, but not limited to, your credit score, Prosper Rating, loan amount, loan term, employment and income details, credit usage and history.

Personal 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 pre-approved loans with a 3-year term funded between January 1, 2026, and March 31, 2026, was 24.8%. 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.

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.

Advertiser Disclosure: The offers that appear on this site are from third party companies that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

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Prosper personal loans

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5 partner offers

Review Snapshot

Know more before you apply

Get your free credit summary

Try boosting your credit scores

Review offers matched to you

Learn more about personal loans

What Increases Your Total Loan Balance?

What Is Deferred Interest?

How Do Loan Terms Affect the Cost of Credit?

Can I Get a Loan to Pay Off Medical Debt?

What Is the Difference Between a Grace Period and Deferment?

How to Compare Personal Loans

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Prosper personal loans

Filters

5 partner offers

Review Snapshot

Know more before you apply

Get your free credit summary

Try boosting your credit scores

Review offers matched to you

Learn more about personal loans

What Increases Your Total Loan Balance?

What Is Deferred Interest?

How Do Loan Terms Affect the Cost of Credit?

Can I Get a Loan to Pay Off Medical Debt?

What Is the Difference Between a Grace Period and Deferment?

How to Compare Personal Loans