Create Your Loan

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 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 you a Prosper Score, 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 Score.

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.

TIP: Asking your friends and family to invest in your listing and give you a recommendation will increase your chances of having your loan fully funded.