Flat 10% APR
A single, transparent rate keeps monthly payments predictable without hidden fees or surprise charges.
Instant funds
Fast Personal Loans for Every Situation
Prosper Loans delivers personal lending from $2,000 to $10,000 with a flat 10% APR. Apply in minutes and move forward with the money you need.
Loan amounts
$2,000 to $10,000
APR
Flat 10%*
Funding speed
As soon as next day
*Funding timelines depend on approval time and your bank's posting policies. By submitting the quick apply form you agree to our terms and privacy policy.
Options available for excellent, fair, and rebuilding credit profiles.
Apply in Minutes
Complete the quick form below and our lending team will reach out the same day.
Why Prosper Loans
Personal lending built around your timeline
We pair straightforward rates with real people who guide you from application through funding, so you always know what comes next.
Next-day funding
Approved borrowers can receive funds as soon as the next business day to cover emergencies or time-sensitive expenses.
All credit types welcome
Whether you have excellent credit or you're rebuilding, our team reviews your full financial story to find a fit.
How it works
Four steps from application to deposit
Prosper Loans streamlines the process so you can focus on what matters most while we handle the details and keep you informed.
See the full process-
1
Submit your quick application
Share the basics about your loan needs, employment, and banking so we can start underwriting right away.
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2
Talk with a lending specialist
A Prosper Loans expert reviews your details, verifies documentation, and answers every question within hours.
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3
Review your offer and terms
We present a personalized offer with a flat 10% APR, flexible repayment dates, and no origination surprises.
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4
Receive funds the next business day
Sign digitally and we release funds immediately, with most deposits arriving by the next banking day.
Borrower stories
Thousands of customers rely on Prosper Loans
From medical bills to debt consolidation, our borrowers appreciate a process that is fast, transparent, and respectful.
"Prosper Loans approved my request within the day and deposited funds before my rent was due. The flat rate made it easy to plan every payment."Monica H., Los Angeles, CA
Need funds fast? We're ready to help.
Start your application or connect with a Prosper Loans specialist to talk through your options and repayment plan.