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Prosper personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 40.0%

• APR8.99%–35.99% prosper.com, 2026-10-12
• Origination fee1%–9.99% prosper.com, 2026-10-12
• Terms24 months–72 months prosper.com, 2026-10-12
• Loan amountsnot found prosper.com, 2026-10-12
• Minimum credit scorenot published (not found) prosper.com, 2026-10-12

Complaint record (CFPB)

• Complaints, last 12 months334
• Trend▲ 7.4% (last 12 mo 334 vs prior 12 mo 311)
• Timely response (last 36 mo)100.0%
• Top issueIncorrect information on your report
• Insurance statusNot an FDIC/NCUA-insured institution itself

Company-level (Prosper Marketplace, Inc.), all products, as of 2026-10-12. Prosper complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 7.0/10Lowest APR 8.99%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 0.0/10Max APR 35.99%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 0.0/10Origination fee up to 9.99%. Score = 10 − max fee %.
• Term range 8.0/10Terms 24–72 months. Score = span/6 months, max 10.
• Max loan amount 5.0/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)

0.200×7.0 + 0.200×0.0 + 0.200×0.0 + 0.200×8.0 + 0.200×5.0* = 4.00 → 40.0% (* unknown, imputed)

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FAQ

What APR does Prosper charge?

8.99%–35.99% prosper.com, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.