Compare sites like Prosper

This peer-to-peer lender could get you up to $40,000 to consolidate your debt, start a business, improve your home and more.

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This peer-to-peer (p2p) lender offers investor-funded loans with a quick online application for a wide range of uses. APRs start low — though slightly higher than some of the competition — ranging from 6.95% to 35.99% . You can borrow between $2,000 and $40,000 with terms of 3 or 5 years . Typically it takes 1 to 3 business days to get your loan.


  • Offers loans for a variety of purposes.
  • Low starting APRs.
  • Simple terms of 3 years or 5 years.
  • Fast turnaround for a p2p lender


  • Loans capped at $40,000.
  • Offers only two fixed term lengths.
  • Not available in Iowa, North Dakota, or West Virginia.

Looking for a lender with more flexible terms?

Alternative sites like Prosper

Go to Prosper Funding LLC's site

lendingclub logo

1. LendingClub

Apply for an unsecured personal loan of up to $40,000 with LendingClub.


  • No prepayment penalties.
  • Lower starting rates: 6.95% to 35.89% APR
  • Loans as small as $1,000


  • Higher rates for poor credit borrowers.
  • Unavailable to Iowa and West Virginia residents.
  • Long turnaround: As few as 3 days
Go to Lending Club's site

Sofi personal loans logo

2. SoFi

If you have a good to excellent credit score, SoFi can get you fast funding with low interest rates and no fees.


  • High maximum loan amount of $100,000.
  • Free credit counseling and unemployment protection.
  • No fees.


  • Strict eligibility requirements.
  • Not available in Mississippi.
  • Lower approval rate than other lenders.
Go to SoFi's site

NetCredit personal loans logo

3. NetCredit

NetCredit offers unsecured personal loans up $10,000 that could help you rebuild your credit, even if you have a low credit score.


  • Quick turnaround time with flexible repayments.
  • Fair credit OK.
  • No early repayment fees.


  • Higher APRS from 34% to 155% (Varies by state)
  • Low maximum loan amount.
  • Loans available in 14 states only.
  • Stiff late fees could apply.
Go to NetCredit's site

OneMain logo

4. OneMain Financial

In business for over a century, OneMain Financial provides secured and unsecured loans for a variety of purposes.


  • Offers both secured and unsecured loans.
  • Allows joint applications.


  • Higher starting APR: 18% to 35.99% .
  • Origination fees vary by state.
  • Low maximum loan amount.
Go to OneMain's site

Avant personal loan logo

5. Avant

Avant offers personal loans with funds deposited into your account as soon as the business day after approval. Learn about similar online lenders.


  • Quick approval and funding.
  • Pay no fee for early repayment.
  • Reports to the three major credit bureaus to help build your credit.


  • Maximum loan amount varies by state.
  • May not be available in all states.
  • Potentially high origination fees if approved.
Go to OneMain's site

Upstart logo

6. Upstart

This newer online lender considers things like your education and career path when considering you for its unsecured, fixed-rate loans.


  • Good for younger borrowers with limited credit history.
  • Offers a variety of loans with one simple application.
  • Pay no fees for early repayment.


  • High origination fees of up to 8% rolled into loan.
  • Slightly higher starting APR: 5.67% to 35.99%
  • Additional fees for paper copy requests and late payments.
Go to Upstart Personal Loans's site

Our top pick: Prosper Personal Loans

  • Min. Credit Score Required: 640
  • Min. Loan Amount: $2,000
  • Max. Loan Amount: $40,000
  • APR: 6.95% to 35.99%
  • Requirements: Must be 18+ years old, an American citizen or US permanent resident and have a 640+ credit score.
  • Prequalify without affecting your credit
  • Long loan terms available

Our top pick: Prosper Personal Loans

Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

  • Min. Credit Score Required: 640
  • Min. Loan Amount: $2,000
  • Max. Loan Amount: $40,000
  • APR: 6.95% to 35.99%
  • Requirements: Must be 18+ years old, an American citizen or US permanent resident and have a 640+ credit score.
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