Loans made by WebBankProsper Personal Loans: Check Your Rate in Minutes
Fixed-rate loans from $2,000 to $50,000, repaid over 2 to 6 years.
✓ Checking your rate won't affect your credit score
Is Prosper a good fit?
Likely a good fit if you
- Want to borrow $2,000 to $50,000
- Want a fixed monthly payment over 2 to 6 years
- Are consolidating higher-interest card debt
- Can wait about a business day for funds
Probably not a fit if you
- Need less than $2,000
- Need the money today
- Have recently missed payments or have very little credit history
Loan terms
| Loan amounts | $2,000 to $50,000 |
| Repayment period | 24 to 72 months |
| APR | 8.99% to 35.99% fixed |
| Maximum APR | 35.99% |
| Origination fee | 1% to 9.99%, taken out of the loan when it's funded |
| Prepayment penalty | None |
What a loan could cost
3 years, $10,000: 17.29% interest rate and 8.99% origination fee = 24.19% APR. You receive $9,101.00 and make 36 payments of $357.97, $12,886.92 total.
5 years, $10,000: 15.63% interest rate and 8.99% origination fee = 20.02% APR. You receive $9,101.00 and make 60 payments of $241.22, $14,473.20 total.
Prosper reports an average APR of 24.19% on three-year loans funded January 1 to March 31, 2026. Your rate depends on your credit, income and other information you provide.
How it works
- Check your rate on Prosper's site. This doesn't affect your credit score.
- Review your offer: the APR, fee, monthly payment and term.
- If you accept and finish verification, funds can arrive as soon as one business day after approval.
Questions
Does checking my rate hurt my credit?
No. Prosper says checking your rate won't affect your credit score. If you go ahead with a loan, Prosper does a full credit check, which can affect your score.
How fast can I get the money?
As soon as one business day after you accept your offer and finish verification. Your bank's processing time can add to that.
What's the origination fee?
Between 1% and 9.99% of the loan amount. It's taken out when the loan is funded, so you receive less than you borrow. In the $10,000 example, you'd receive $9,101.
Can I pay it off early?
Yes. Prosper doesn't charge a prepayment penalty.
Is Lending Partners the lender?
No. Lending Partners is an independent site. Loans through Prosper are made by WebBank, and Prosper gives you the final terms before you accept.
About the lender
Prosper Funding LLC, 221 Main Street, Suite 300, San Francisco, CA 94105. Loans through Prosper are made by WebBank. Missing a payment or paying late can lead to fees and can hurt your credit score.
Lending Partners may be paid when you visit or get a loan through links on this page. That doesn't change the terms shown, which come from prosper.com as of October 26, 2026, and may change. Prosper gives you the final APR, fees and loan agreement before you accept.
About Lending Partners. Lending Partners is an independent comparison site. We are not a lender, broker or loan servicer. We don't make credit decisions, take loan applications or charge you for using this site. We may be paid by companies whose products appear on this site. This may affect which products we show and where they appear, but it doesn't affect the terms a lender offers you.
Rates and terms. Each lender sets its own rates, fees and terms, and they can change. Lender details on this site come from the lender's own published information as of the date shown on each page. The lender will give you the final APR, fees, repayment terms and loan agreement before you accept. Approval isn't guaranteed and depends on the lender's review of your credit and other information.
Your credit. Lenders may check your credit. Missing a payment or paying late can lead to fees and can hurt your credit score.
Not all products are available in all states.