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Prosper Reviews 14,302

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TrustScore 4.5 out of 5

4.6

Non-bank financial service
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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company for its efficient and straightforward processes, highlighting the speed of loan approvals and the quick deposit of funds. Many people appreciate the helpful and professional staff, noting their clear communication and responsiveness to questions. The overall user experience, from application to funding, is frequently described as easy and seamless. However, some customers also noted issues with customer support, describing it as unhelpful or difficult to reach. A few other people also felt that the company's credit assessment methods were outdated, focusing too much on cash flow rather than overall assets, and some experienced problems with credit line reductions or account cancellations.

What people talk about most

Payment

Customers consistently note positive experiences with payment. Many reviewers highlight the ease of the... See more

User experience

People report positive experiences with the user experience. Customers consistently describe the process as... See more

Service

Reviewers mention positive feedback about service. Many customers praise the speed and ease of the loan... See more

Customer service

Users describe positive interactions with customer service. Many reviewers highlight the professionalism,... See more

Staff

Customers had positive experiences with staff. Many reviewers found representatives to be friendly,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Prosper delivered exactly what they said they would. From the pre-qualification and quote, till funds were deposited, the whole process was quick and easy. No surprises. For me it took less than 48 ho... See more

Rated 5 out of 5 stars

Overall experience from the Prosper I am give 5 because I can borrow the $50,000 within 2 days although, interested rate is little bit high than I was expected. However, I need a money right away,... See more

Rated 5 out of 5 stars

The process was extremely quick and easy. The representative was very clear and helpful on any questions that I had and the funding of the loan was also very quick. Extremelypleased with the company a... See more

Rated 5 out of 5 stars

Prosper has been very helpful in securing a loan and provided updates, even though the loan was applied for and funded on the same day. The funds were received during the time frame stated. The pro... See more

Company details

  1. Non-bank financial service
  2. Alternative Financial Services
  3. Financial Institution
  4. Loan agency

About Prosper

Written by the company

Founded in 2005, Prosper introduced U.S. consumers to an innovative new approach to personal finance called peer-to-peer lending. Over twenty years later, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of products.

Prosper’s flagship personal loan* marketplace continues to offer a unique value for borrowers and investors alike. Home equity loans and lines of credit through Prosper provide homeowners a range of options and choices for tapping into the equity they’ve worked hard to build. The Prosper® Card1 supports people seeking access to credit and flexibility in managing their finances.

Regardless of the product, Prosper is dedicated to meeting people where they are in their financial journey, in order to advance their financial well-being. Learn more at www.prosper.com.

*All personal loans made by WebBank.

1 The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.

Contact info

4.6

Excellent

TrustScore 4.5 out of 5

14K reviews

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Rated 5 out of 5 stars

The entire process was quick

The entire process was quick, easy and approval was a matter of minutes. Funds were deposited in my bank account in 24 hours. I highly recommend Prosper to anyone needing financial planning and assistance.

2 March 2026
Rated 1 out of 5 stars

I was originally given a $1700.00…

I was originally given a $1700.00 credit limit. I made my first payment as agreed. Then I go to use part of my credit limit as a down payment on a newer car, only to find out my credit limit was reduced to $500.00. Then I get a bogus letter from Prosper with info that should have been researched BEFORE issuing me a credit card. Also with the reduction of my credit limit and the amount I already owed this greatly affected my credit usage across the board. I will pay down my obligation down to the $59.00 annual fee then my payments will end. Absolutely deceitful business practices.

1 March 2026
Unprompted review
Rated 5 out of 5 stars

I can always count on Prosper for an easy personal loan!

Prosper makes it so convenient for me to get a personal loan. I've had loans with them before, and it seems to get easier every time. I find these funds especially useful in paying down high-interest credit cards. Prosper has saved me so much money in compounded interest over the years!

27 February 2026
Unprompted review

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