Home Banks Prosper Personal Loans

Prosper: Personal Loans (2026)

Alex Parker, CFA

Senior Banking Editor

October 28th, 2026

Prosper Personal Loans Ratings Breakdown

Overall 9.3 / 10

Prosper scores 9.3/10 for Overall in Personal Loans, backed by 8.99% - 35.99% Fixed APR rates and transparent digital terms.

Interest Rates & APY 9.3 / 10

Prosper scores 9.3/10 for Interest Rates & APY in Personal Loans, backed by 8.99% - 35.99% Fixed APR rates and transparent digital terms.

Fees & Minimums 9.6 / 10

Prosper scores 9.6/10 for Fees & Minimums in Personal Loans, backed by 8.99% - 35.99% Fixed APR rates and transparent digital terms.

Customer Service 9.0 / 10

Prosper scores 9/10 for Customer Service in Personal Loans, backed by 8.99% - 35.99% Fixed APR rates and transparent digital terms.

Mobile App & Digital Banking 9.3 / 10

Prosper scores 9.3/10 for Mobile App & Digital Banking in Personal Loans, backed by 8.99% - 35.99% Fixed APR rates and transparent digital terms.

Rewards & Perks 9.6 / 10

Prosper scores 9.6/10 for Rewards & Perks in Personal Loans, backed by 8.99% - 35.99% Fixed APR rates and transparent digital terms.

When evaluating Prosper for Personal Loans in 2026, our financial analysts examined interest rates (8.99% - 35.99% Fixed APR), monthly maintenance fees, deposit insurance, and digital banking tools.

Prosper is America's pioneer peer-to-peer lending marketplace, having facilitated over $25 billion in fixed-rate Personal Loans ($2,000 to $50,000), Home Equity Lines of Credit (HELOCs up to $500,000), and the credit-building Prosper Mastercard.

Key Highlights for Personal Loans:

Supports joint applications / co-borrowers to help qualify for lower interest rates
Fast soft-pull rate checks with next-business-day funding on personal loans
Offers both Personal Loans ($2k-$50k) and Home Equity Lines of Credit (HELOCs up to $500k)