Conditions and limitations
Prosper is a marketplace; loans are made by its bank partner. Published ranges are not personalized offers; your terms depend on underwriting and state.
OFFICIAL PRODUCT TERMS
Prosper
Personal Loan Terms
Published terms from Prosper’s official pages, checked Nov 2, 2026. Your own rate and eligibility are set by the provider.
Prosper Personal Loan
Published APR8.99% – 35.99%A range, not your rate
Loan amount$2,000 – $50,000May vary by state
Repayment termUp to 72 monthsLonger terms cost more overall
Origination fee1.00% – 9.99%Usually taken from the loan
Eligibility
- Minimum credit score
- 640
- Direct pay to creditors
- Not disclosed
- Co-applicant
- Co-applicant allowed
- Autopay discount
- Not disclosed
- Late fee
- Yes
- Prepayment penalty
- None
- State availability
- Not disclosed
From the provider’s official pages. Not disclosed means the pages we checked do not state it; ask the provider.
Sources and verification
Terms checked Nov 2, 2026Source status: reviewed
A successful source check does not renew the financial terms. This is a factual product summary, not an endorsement or personalized offer. No affiliate tracking link is used.