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Customer Reviews
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When I needed urgent home repairs, Prosper Finance made the process incredibly smooth. Their online application took just minutes to complete, and I received approval the same day. The funds were in my account by the next business day, allowing me to address my home emergency without delay.
Drew Miller, NE
Prosper Finance is awesome. They were super quick and easy. I did everything online and in a couple of minutes got an approval. I had to do an emergency tooth extraction because of the pain it was causing. It was great to be able to get it done so fast and not go another day with a terrible toothache. Thank you so much!
Thomas Chirchon, WA
When I was ready to go home, my car wouldn't start and it needed to be towed to a shop to be fixed. Since I hadn't been paid yet this week, I went online to see if I could find help. I found Prosper Finance. It took me 5 minutes to fill out the form and get approved. I got the money the next day. Thank you!
Katie Terringer, MN
About Prosper Finance
Prosper Finance connects borrowers with trusted lending partners through our secure online platform. We specialize in facilitating personal loans up to $10,000 for various needs including debt consolidation, home improvements, unexpected expenses, and more. Our streamlined process helps you explore loan options quickly and efficiently.
How It Work!
Submit Online
Receive Response
Check Your Account
What is Prosper Finance?
What is a short-term loan?
A short-term loan is a way for consumers to get the money they need in emergencies without the same hassle that is associated with other forms of consumer credit. Getting money from credit cards or traditional banks can be time-consuming and frustrating. Short-term loans are headache-free and relatively easy for most people to obtain—even if they have been denied other forms of credit due to their credit histories. In just a few short minutes, consumers can request and be approved for a short-term loan of up to $10,000.
What are the qualifications?
Are short-term loans expensive?
When should I take out a short-term loan?
A short-term loan is a way for consumers to get the money they need in emergencies without the same hassle that is associated with other forms of consumer credit. Getting money from credit cards or traditional banks can be time-consuming and frustrating. Short-term loans are headache-free and relatively easy for most people to obtain—even if they have been denied other forms of credit due to their credit histories. In just a few short minutes, consumers can request and be approved for a short-term loan of up to $10,000.
Terms of Use
IMPORTANT NOTICE: Prosper Finance operates as a loan connection service, NOT A LENDER. We facilitate connections between consumers and our network of licensed lending partners. The approval decision, loan terms, and rates are determined solely by the participating lenders. By using our service:
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We cannot guarantee loan approval or specific loan amounts
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Your information may be shared with our network of licensed lenders and financial partners
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Submitting information does not guarantee loan approval
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We do not charge fees for our connection service
Each lender maintains independent underwriting criteria and rate structures. We strongly encourage reviewing all loan terms, fees, and repayment obligations before accepting any loan offer. You are never obligated to accept any loan offer presented through our service.
While Prosper Finance does not conduct credit checks, our lending partners may perform credit inquiries through major credit bureaus (TransUnion, Experian, and Equifax) or alternative consumer reporting agencies. These inquiries may impact your credit score. Additionally, payment history on accepted loans may be reported to credit bureaus, affecting your credit profile.
Important: Short-term loans typically carry higher interest rates and should be used for immediate, short-term financial needs only. If experiencing ongoing financial difficulties, please consider credit counseling services.
State Regulations
Loan availability, terms, and rates vary by state. Please review our Rates & Fees page for state-specific information and regulatory details. For tribal lenders in our network, please note they operate under sovereign nation status and may have different rate structures and jurisdictional requirements.
- Our service is FREE to consumers. While we strive to provide comprehensive lending options, we do not include all available market lenders. Lenders may require application fees or credit report charges - these will be clearly disclosed before you accept any loan offer.
What You Get!
Access to our network of lenders
Money deposited directly into your account
All credit scores considered
Loans up to $10,000
256-bit secure online form
