Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.3
(20 Ratings)

Prosper Review

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About Lender

Prosper, branded as Prosper Funding LLC, stands as a beacon of reliability in the financial services sector. Since its inception in 2005, Prosper has dedicated itself to providing smart, simple tools for borrowing, saving, and earning, gaining the trust of over 1 million customers. This enduring trust is further evidenced by the plethora of positive reviews and testimonials from users who have successfully funded their dreams through Prosper's platform. With nearly two decades of experience, Prosper has established itself as a legitimate and dependable choice for individuals seeking financial solutions.

Prosper offers a comprehensive range of loan products designed to meet the diverse needs of its customers. This includes personal loans ranging from $2,000 to $50,000, credit cards with limits from $500 to over $3,000, and home equity options allowing access to up to $500,000. These financial solutions are tailored to support various objectives, such as consolidating debt, financing home improvements, covering healthcare costs, and more, all aimed at enhancing the financial well-being of its clients.

To obtain a loan from Prosper, applicants must navigate through a set of conditions and requirements that ensure a secure and responsible borrowing process. For personal loans, eligibility depends on the information provided by the applicant, with a requirement that a sufficient number of investors commit funds to the applicant's account and that the applicant meets credit and other conditions. Home equity products, which may require an in-home appraisal and title insurance for loans above $250,000, are subject to eligibility criteria that include information provided in the home equity application. Prosper emphasizes security with 256-bit encryption to protect applicant information, demonstrating its commitment to a safe and transparent loan application process.

Prosper

Key Features

  1. Wide Range of Loan Products. Prosper offers various loan products, including personal loans from $2,000 to $50,000, credit cards with limits up to $3,000+, and home equity options with access to up to $500,000.

  2. Quick and Efficient Loan Process. Prosper provides a streamlined loan application process, with features like next-day funding for personal loans, highlighting the company's efficiency in processing and approving loans.

  3. No Pre-payment Penalty. For personal loans, Prosper does not charge a pre-payment penalty, allowing borrowers the flexibility to pay off their loans earlier than the agreed term without incurring extra costs.

  4. Security Measures. Prosper prioritizes the security of its customers' information by employing 256-bit encryption, ensuring a high level of data protection during the loan application process.

  5. Investment Opportunities. Besides borrowing, Prosper offers investment opportunities, allowing individuals to invest in personal loans with an average historical return of 5.6%, empowering investors to diversify their portfolio while contributing to the financial well-being of others.

  6. Established Track Record. With its establishment in 2005, Prosper has over 15 years of experience in the financial industry, serving more than 1 million trusted customers, which speaks to its reliability and expertise in providing financial solutions.

  7. Comprehensive Financial Solutions. Prosper's range of financial solutions extends beyond loans to include credit cards, home equity lines of credit (HELOCs), home equity loans (HELoans), and investment opportunities, catering to a wide spectrum of financial needs and objectives.

  8. Educational Resources. Prosper places a strong emphasis on financial education, offering resources and educational content aimed at enhancing financial knowledge and well-being among its clients.

  9. Customer Satisfaction. The platform boasts numerous positive reviews, indicating high levels of customer satisfaction with the loan application process, customer service, and the overall borrowing experience.

  10. Flexible Home Equity Products. Prosper's home equity products, including low-rate HELOCs and HELoans, are designed to be flexible, with quick application processes and eligibility for substantial loan amounts, making it easier for homeowners to leverage their home equity.

Pros and cons

Pros

Diverse Financial Products. Prosper offers a wide range of products, including personal loans, credit cards, and home equity loans, catering to various financial needs.

Rapid Funding. For personal loans, Prosper provides next-day funding after loan offer acceptance and completion of necessary verifications, offering quick access to funds.

No Prepayment Penalties. Borrowers can pay off personal loans early without incurring any prepayment penalties, providing flexibility in loan management.

Security Measures. With 256-bit encryption, Prosper ensures high-level security for customer information, prioritizing data protection.

Investment Opportunities. Prosper allows individuals to invest in personal loans, offering an average historical return of 5.6%, which presents a unique opportunity for investors.

Cons

Eligibility Requirements. The eligibility for personal loans and home equity products depends on various factors, including investor commitment and applicant credit conditions, which may limit access for some borrowers.

Interest Rates Variation. Depending on the applicant's creditworthiness, the interest rates for loans may vary, potentially leading to higher rates for individuals with less favorable credit histories.

Investment Risk. While investing in personal loans through Prosper can offer returns, it also carries risk, including the potential for loss, similar to any investment.

Loan Amount Limits. Personal loans are capped at $50,000, and home equity products have their own maximum limits, which may not meet the needs of all borrowers seeking higher amounts.

Home Equity Product Availability. Home equity products may not be available in all states, restricting options for homeowners in certain locations.

Charged Fees. Origination fees vary from 1% to 7.99%. The late fee is either 5% of the monthly payment or $15 if it is a greater sum.

Reliability

  1. Established Track Record. Prosper has been operating since 2005 and has funded over $20 billion in loans to more than one million borrowers.

  2. Positive Reputation. The platform holds an A+ rating with the Better Business Bureau and has garnered favorable reviews from customers.

  3. Security Measures. Prosper employs encryption and multi-factor authentication to safeguard user data and prevent unauthorized access.

  4. Risk Management. An automated underwriting system is utilized to evaluate borrower creditworthiness and reduce the risk of default.

  5. Delinquency Management. Prosper has a collection process in place to handle delinquent loans, including engaging third-party collection agencies if necessary.

  6. Legal Actions. In case of default, Prosper may take legal action to recover outstanding balances.

How to Apply for a Prosper?

Apply for a Loan

  1. Visit website. Start by navigating to the Prosper website. On the homepage, choose the type of loan you're interested in, such as Prosper Loans, Home Equity, or Credit Card.

  2. Check Your Rate. For personal loans, click on the option to check your rate. This process is usually quick and involves filling out a form with some basic information. Checking your rate won't impact your credit score.

  3. Fill Out the Application Form. Provide all necessary details required in the application form. This includes personal information, financial details, and the purpose of the loan.

  4. Review Loan Offers. After submitting the initial information, review any loan offers that you may receive based on your eligibility.

  5. Select Your Loan. Choose the loan offer that best suits your needs. Pay attention to the loan amount, interest rate, term, and any other relevant details.

  6. Submit Documentation. Prosper may request additional documentation to verify the information you've provided. This could include proof of income, identity verification documents, or other financial statements.

  7. Wait for Approval. Once you've submitted all required documentation, wait for Prosper to review your application. Prosper will conduct a credit check as part of this process, which could affect your credit score.

  8. Review and Accept Loan Agreement. If approved, review the loan agreement carefully. Make sure you understand all the terms and conditions before accepting the loan.

  9. Receive Your Funds. After accepting the loan agreement, you'll receive the funds. Prosper offers next-day funding for personal loans, but the exact timing can depend on your bank’s processing times and whether all necessary verifications have been completed quickly.

Conditions and Requirements

Conditions

  1. Loan Amounts. Personal loans are available from $2,000 to $50,000. Credit card offers range from $500 to over $3,000, and home equity loans can provide access up to $500,000.

  2. Loan Usage. Loans can be used for various purposes, including debt consolidation, home improvements, healthcare financing, and more, subject to Prosper's approval.

  3. Interest Rates. Personal loan APRs (Annual Percentage Rate) through Prosper range from 8.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. The interest rates are determined based on the applicant's creditworthiness, loan amount, and term. Prosper provides a rate check that does not affect the applicant's credit score.

  4. Charged Fees. Fees associated with the loan include the Origination Fee, which is deducted from the loan amount, ranging from 1% to 7.99% depending on Prosper Rating. Pre-payment incurs no penalty, and any excess origination fee above 5% of the original principal may be refunded upon prepayment. There's also a Check Payment Fee for payments made by check after August 1st, 2017, amounting to 5% of the payment or $5, whichever is less. Late payments result in a fee of $15.00 or 5% of the unpaid amount, whichever is greater, and insufficient funds incur a $15 fee per failed payment.

  5. Loan Terms. Loan terms vary based on the type of loan. Personal loan terms, for example, are based on the Borrower Registration Agreement between Prosper and the borrower.

  6. Funding Time. Personal loans may offer next-day funding following the acceptance of the loan offer and completion of all necessary verifications.

  7. Repayment. Borrowers must adhere to the repayment schedule agreed upon in the loan agreement. Prosper allows for early repayment without prepayment penalties.

Requirements

  1. Eligibility. Applicants must be of legal age (18 or above) to enter into a binding contract and must provide valid identification as part of the application process.

  2. U.S. Residency. Services are primarily available to U.S. residents, so applicants typically need to provide proof of residency.

  3. Credit Check. Prosper performs a credit check as part of the application process, which is a hard inquiry and may impact your credit score upon the final application. Borrowers who accept a personal loan through Prosper must have a credit score of 640 or higher to qualify for a loan.

  4. Documentation. Applicants may need to provide documentation to verify their identity, income, employment, and possibly other information as part of the application process.

  5. Investor Commitment. For personal loans, eligibility and loan amounts depend on the commitment of funds by investors on the Prosper platform, in addition to meeting credit and other conditions.

Ways to Receive the Money

For personal loans, Prosper is capable of providing next-day funding after the borrower accepts the loan offer and completes all necessary verification steps, subject to final approval. This swift funding process ensures that borrowers can access the money they need quickly, often by the next business day. The actual disbursement of funds is executed electronically, with the loan amount deposited directly into the borrower’s bank account. This direct deposit method facilitates a seamless transfer of funds, enabling borrowers to start utilizing their loan for the intended purpose without unnecessary delays. It's important for borrowers to ensure that their bank account information is accurate and up-to-date to avoid any potential issues with the fund's transfer.

Products

  • Personal Loans. Prosper offers personal loans ranging from $2,000 to $50,000. These loans can be used for a variety of purposes, including debt consolidation, home improvement, medical expenses, and more. They feature competitive rates, no pre-payment penalties, and the potential for next-day funding.

  • Credit Cards. Prosper provides credit cards with limits from $500 to over $3,000. These credit cards offer benefits such as zero fraud liability and no security deposit required, catering to users seeking flexible credit options.

  • Home Equity Loans and Lines of Credit (HELOCs). Borrowers can access up to $500,000 through Prosper's home equity products. These products are designed for homeowners looking to leverage the equity in their home for renovations, major purchases, or consolidating debt. They feature low rates and the convenience of applying in minutes.

  • Investment Opportunities. Prosper also offers investment opportunities through its platform, allowing individuals to invest in personal loans. Investors can earn returns by funding loans and helping others achieve their financial goals. Prosper highlights an average historical return for investors, making it an appealing option for those looking to diversify their investment portfolio.

Other Personal Loans

Reasons for Loan Refusal

Check Credit Score

Loan applications can be declined for several reasons that are common across most lending platforms, including Prosper. These reasons typically include insufficient credit history, low credit scores, high debt-to-income ratios, insufficient income, or the failure to meet other underwriting criteria set by the lender. Prosper evaluates loan applications based on a combination of factors designed to assess the borrower's ability to repay the loan. This comprehensive review ensures that loans are offered to individuals who meet Prosper's creditworthiness criteria, aligning with federal regulations and promoting responsible lending practices. Applicants are encouraged to review their credit reports and improve their financial profiles where possible before reapplying to increase their chances of approval in the future.

How to Repay a Prosper?

Repay

To repay a Prosper loan, borrowers have different options depending on the type of loan they've taken. For Home Equity Lines of Credit (HELOCs), during the ten-year draw period, borrowers are required to make monthly payments of at least $100 or the total sum of accrued charges and other fees for the billing cycle, with these payments not reducing the principal balance. Additional borrowing may be possible if more than the interest is paid. In the repayment phase, borrowers must make minimum monthly payments based on the APR, adjusting if rates change, with the remaining balance due at the end of the term. For personal loans, repayment options include AutoPay, online payments via ACH, phone payments through customer service, or by mailing a check, money order, or cashier's check. However, Prosper does not accept payments via debit or credit cards, wire transfers, mobile payments, bitcoin, digital wallets, or cash.

Loans like Prosper

OppLoans

Apply for a Loan

OppLoans is a notable financial service provider that offers consumer loans varying from $500 to $4,000. They expedite the funding process to ensure that approved applicants receive the necessary funds promptly, which is advantageous for those dealing with immediate financial concerns. OppLoans offers adaptable repayment conditions, giving customers the choice between 9, 12, and 18-month loan terms. This adaptability allows borrowers to opt for a repayment plan that matches their financial ability, ensuring a seamless and manageable loan journey.

Opploans

Rise Credit

Apply for a Loan

RISE Credit is a reliable online lender that provides loans up to $5,000. They have a streamlined application procedure, allowing borrowers to have funds transferred to their accounts as early as the next business day. They present the flexibility of choosing a payment schedule that fits with the financial preferences of the customers, although some state-based restrictions might apply. A notable feature of RISE Credit is its 5-Day Risk-Free Guarantee, which permits borrowers to revoke their loan and return the principal with zero fees or interest within the given period. Additionally, RISE Credit grants customers complimentary access to their credit score and credit monitoring alerts through Credit Score Plus, offering valuable financial insight.

Rise Credit

OneMain Financial

Apply for a Loan

OneMain Financial stands as a distinguished and enduring lender, offering personal loans that range between $1,500 to $20,000. Boasting a century’s worth of experience in the financial sector, they have garnered the trust of a vast customer base. Their loan terms include fixed rates and fixed payments, offering a predictable and manageable repayment scenario to borrowers. OneMain Financial emphasizes personalized service, ensuring that the distinct needs of each customer are addressed. With a widespread network of approximately 1,400 branches, they provide easy access and convenience for individuals in search of financial aid.

OneMain Financial

Universal Credit

Apply for a Loan

Universal Credit requires applicants to have a minimum credit score of 560, thus excluding those with no credit history. It is appealing for its credit-enhancement features, making it suitable for individuals with fair or poor credit looking to better their scores. Providing larger loan amounts than Oportun and next-day funding upon approval, it emerges as a solid choice for significant, urgent financial needs. Universal Credit extends its loan services across all 50 states and Washington, D.C., offering a wide geographical coverage.

Universal Credit

Editorial Opinion

Prosper Funding LLC stands out as a reliable platform in the peer-to-peer lending industry, providing a wide array of financial solutions tailored to meet the diverse needs of borrowers and investors alike. With its offerings that range from personal loans and credit cards to home equity products and investment opportunities, Prosper demonstrates a strong commitment to financial inclusivity and innovation. The platform's emphasis on security, with robust encryption measures to protect user data, alongside the provision of next-day funding for personal loans, underscores its dedication to customer convenience and trust. Moreover, Prosper's approach to financial wellness, through the provision of educational resources and tools, reflects a holistic vision of supporting users' financial journeys. While it's important for potential borrowers and investors to consider their own financial situations and needs, Prosper's transparent and user-friendly services make it a noteworthy option in the competitive landscape of online lending and investing.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

Sources

FAQ

What is Prosper?

Prosper is an online peer-to-peer lending platform that connects borrowers with individual investors. The platform allows borrowers to request personal loans ranging from $2,000 to $50,000, which can be used for a variety of purposes, such as debt consolidation, home improvement, and small business loans. Prosper then evaluates the borrower's creditworthiness and assigns them a credit rating, which helps determine the interest rate they'll be offered. Individual investors can then browse and select loans to invest in based on the borrower's credit rating, loan amount, and other factors.

Prosper was one of the first peer-to-peer lending platforms to launch in the United States, and it has facilitated over $23 billion in loans to date. The platform offers competitive interest rates for borrowers and provides a new investment opportunity for investors looking to diversify their portfolios. Prosper also offers several tools and resources to help borrowers and investors make informed decisions, such as a loan calculator and a portfolio builder.

Who owns Prosper?

Prosper Marketplace, Inc. is a privately held company that is primarily owned by its investors, including several venture capital firms and financial institutions. As of 2023, Prosper's major investors include firms such as Sequoia Capital, Francisco Partners, Credit Suisse NEXT Investors, and others. The company was founded in 2005 by Chris Larsen and John Witchel and is headquartered in San Francisco, California. Over the years, Prosper has grown to become one of the largest peer-to-peer lending platforms in the United States. It has helped connect thousands of borrowers with individual investors looking for investment opportunities.

How Do you Qualify For a Prosper Loan?

To qualify for a personal loan through Prosper, there are several requirements you'll need to meet:

  1. Credit score. Prosper requires a minimum FICO credit score of 640 to apply for a loan. However, borrowers with credit scores of 660 or higher are more likely to be approved for a loan with better terms and interest rates.
  2. Debt-to-income ratio. Prosper evaluates your debt-to-income ratio, which compares your monthly debt payments to your monthly income. Ideally, your debt-to-income ratio should be below 50%.
  3. Income. You'll need to provide proof of income to demonstrate that you have the ability to repay the loan. Prosper typically requires a minimum annual income of $80,000.
  4. Employment status. You'll need to be employed or have a regular source of income to qualify for a loan. If you're self-employed, you may need to provide additional documentation to demonstrate your income.
  5. Credit history. In addition to your credit score, Prosper will evaluate your credit history, including your payment history and any delinquent accounts.
  6. Other factors. Prosper may also consider other factors when evaluating your loan application, such as your length of credit history, the purpose of the loan, and your overall financial stability.

If you meet these requirements, you can apply for a loan through Prosper by completing an online application and providing the necessary documentation. Prosper will then evaluate your application and assign you a credit rating, which will help determine your loan's interest rate and terms.

How Much Can You Borrow From Prosper?

Through Prosper, borrowers can request personal loans ranging from $2,000 to $50,000. The actual loan amount that you're approved for will depend on several factors, including your creditworthiness, income, debt-to-income ratio, and the purpose of the loan.

When you apply for a loan through Prosper, the platform will evaluate your creditworthiness and assign you a credit rating ranging from AA (the highest rating) to HR (the lowest rating). The interest rate and terms of your loan will depend on your credit rating, with borrowers who have higher credit ratings generally receiving lower interest rates and better loan terms.

In addition to the loan amount, borrowers will be charged an origination fee, ranging from 1% to 7.99% of the loan amount, depending on the borrower's credit rating. This fee is deducted from the loan amount, so the actual amount of funds you receive may be lower than the loan amount you requested.

Overall, the loan amount and terms you're approved for will depend on your individual financial situation and creditworthiness, as well as the policies and requirements of Prosper.

Does Prosper Approve Everyone?

No, Prosper does not approve everyone who applies for a loan. Like other lenders, Prosper has certain requirements and criteria that borrowers must meet in order to be approved for a loan.

To apply for a loan through Prosper, borrowers must have a minimum credit score of 640, a minimum annual income of $80,000, and a debt-to-income ratio of less than 50%. However, meeting these requirements does not guarantee approval for a loan.

Prosper evaluates each loan application on a case-by-case basis, taking into account factors such as the borrower's credit history, employment status, the purpose of the loan, and overall financial stability. Based on this evaluation, Prosper assigns each borrower a credit rating, which helps determine the interest rate and terms of the loan.

Borrowers with higher credit ratings are more likely to be approved for a loan with favorable terms and interest rates. In comparison, those with lower credit ratings may be approved for a loan with higher interest rates and less favorable terms. In some cases, borrowers with low credit ratings or other financial risk factors may be declined for a loan altogether.

So, while Prosper offers loans to a wide range of borrowers, it does not approve everyone who applies. The final decision on whether to approve a loan application is based on a variety of factors and is made on a case-by-case basis.

Is Prosper a good lender?

Overall, Prosper can be a good lender for borrowers who meet the platform's requirements and are looking for a personal loan. Prosper has several features that can make it an attractive option for borrowers, including:

  1. Competitive rates. Prosper offers competitive interest rates on its loans, which can be lower than those offered by traditional banks and credit card companies.
  2. Flexible loan terms. Borrowers can choose from a range of loan terms, ranging from 2 to 5 years, allowing them to customize their loan to their needs.
  3. No prepayment penalty. Prosper does not charge a penalty fee for prepaying your loan, which can save borrowers money in the long run.
  4. Quick and easy application process. Prosper's online application process is fast and easy, and borrowers can receive a loan decision within minutes.
  5. Transparency. Prosper is transparent about its fees and charges and provides borrowers with clear information about the costs associated with their loan.

However, like any lender, Prosper also has some potential drawbacks. For example, borrowers with low credit scores or other financial risk factors may be charged higher interest rates and fees, making their loans more expensive. Additionally, Prosper charges an origination fee, which can be up to 7.99% of the loan amount, depending on the borrower's credit rating.

Overall, whether Prosper is a good lender for you depends on your financial situation and needs. Before applying for a loan with Prosper or any other lender, it's important to shop around and compare rates and terms from multiple lenders to find the best option for you.

Is Prosper hard to get approved for?

Getting approved for a loan through Prosper is not necessarily hard, but it does depend on several factors. Prosper has certain requirements and criteria that borrowers must meet in order to be approved for a loan.

To apply for a loan through Prosper, borrowers must have a minimum credit score of 640, a minimum annual income of $80,000, and a debt-to-income ratio of less than 50%. However, meeting these requirements does not guarantee approval for a loan.

Prosper evaluates each loan application on a case-by-case basis, taking into account factors such as the borrower's credit history, employment status, the purpose of the loan, and overall financial stability. Based on this evaluation, Prosper assigns each borrower a credit rating, which helps determine the interest rate and terms of the loan.

Borrowers with higher credit ratings are more likely to be approved for a loan with favorable terms and interest rates. In comparison, those with lower credit ratings may be approved for a loan with higher interest rates and less favorable terms. In some cases, borrowers with low credit ratings or other financial risk factors may be declined for a loan altogether.

So, while getting approved for a loan through Prosper is not necessarily hard, it depends on your financial situation and creditworthiness. If you meet Prosper's requirements and have a good credit history, you may have a better chance of being approved for a loan with favorable terms. However, if you have a low credit score or other financial risk factors, you may find it more difficult to get approved for a loan through Prosper.

Is Prosper a legitimate company?

Prosper rating on BBB is A+, and is accredited by this Bureau. The Prosper score on Trustpilot is 4.6 stars. The company has over 6,900 reviews. This means Prosper is legit. However, in 2020, there were 32 personal loan complaints on Prosper in the Consumer Financial Protection Bureau.

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Take charge of your finances with a quick and easy custom solution. Use the Prosper platform to consolidate debt, finance home improvements, pay for healthcare, apply for a home equity line of credit, or get a credit card in just a few simple steps.

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3.28
(20 Ratings)
Recommended FinScore™
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8.99 – 35.99 %
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Loan term for the financial product

to 5 years
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6.34 – 35.89 %
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2 months – 72 months
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Prosper reviews 2024
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2.2
Cons
This is the worst credit card I've ever had. I had a pending charge lingering on my account for over a month, and despite sending them a screenshot of my online bill as proof, they claimed they couldn't see it. I called numerous times, and each time, they denied any knowledge of pending charges. Upon checking my account recently, there is no trace of the pending charge, only a balance due for the same amount, along with an added finance charge. I'm considering paying it off and closing the account. I plan to research further to identify the parent bank and file a complaint with the Better Business Bureau. Their service is so poor that I believe they deserve a rating lower than one star, or perhaps the option to leave no rating at all.
Complain
1.4
Cons
This company has been a terrible experience. They initially approved my loan and then abruptly canceled it, citing a fraud alert placed on my credit bureau. It's essential to clarify that this wasn't a credit freeze; it was merely an extended alert with my phone number for verification before extending credit.
Complain
4.6
Pros
The online application process was incredibly straightforward and uncomplicated. I believe that my prior history as a loyal customer, with a consistent record of on-time payments through direct debit, might have played a role in the ease of the process.
Complain
1.4
Cons
My transactions are repeatedly being declined without a clear explanation. They attribute it to fraud on my card, which is not accurate. This has occurred multiple times, including a two-hour shopping trip at Walmart that ended with an embarrassing rejection at the checkout.
Complain
4.8
Pros
The customer service at this place is outstanding. The staff is not only friendly but also highly professional throughout the entire process. They treat you with the utmost respect, making you feel like a part of their family. I wholeheartedly recommend this to anyone else.
Complain
4.6
Pros
The process was remarkably swift, uncomplicated, and dependable. Communication was outstanding, and I'm delighted that I chose to return as a customer.
Complain
1.8
Cons
My credit card balance is actually $541.00, not $1388.00, and I'm frustrated that they haven't updated it for the past five months. This ongoing issue is becoming increasingly tiresome.
Complain
4.6
Pros
I've applied for my third loan with Prosper, and I continue to be impressed with their smooth and speedy process. They required minimal documentation, and everything was completed in a matter of minutes. In my opinion, Prosper is the best!
Complain
4.6
Pros
The application process was straightforward. I utilized this service for my son's student loan, and we haven't encountered any issues throughout the entire duration of the loan.
Complain
5
Pros
The process turned out to be surprisingly easy and faster than anticipated. Being an existing customer, I found the entire experience to be exceptionally smooth and efficient.
Complain
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Company rating
3.3
/ 5
20 reviews
Application
3.2
Support service
3.5
Mobile App
3.2
Service quality
3.3
Your satisfaction level
3.3
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