Build your custom portfolio by selecting individual loans or using their Auto Invest tool. Watch your cash grow with your returns deposited monthly to your Prosper account.

Join investors


4.5% - 12%

Asset Class Return1Y

#20 Rank

In Lending30d


Invest from



Prosper was founded in 2005 as the first peer-to-peer lending marketplace in the United States. Since then, Prosper has facilitated more than $18 billion in loans to more than 1,080,000 people. Through Prosper, people can invest in each other in a way that is financially and socially rewarding. Individuals and institutions can invest in loans and earn attractive returns. Prosper handles all loan servicing on behalf of the matched borrowers and investors.

Things to Know

  • You make money on


  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment

    36+ months

  • Target Return

    3.6% - 8.3%

  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Average Historical Returns of 5.1%

  • $17 billion invested with Prosper

  • When you invest in personal loans, you help real people

See inside MoneyMade’s 6-figure multi-asset portfolio


12+ Assets

50+ Platforms

4yr+ Returns

How you make money

You are lending money to borrowers and therefore earn monthly interest on your invested (or loaned) principal. Historical Returns on Prosper average 5.1%

How Prosper makes money

They take a 1% on the total outstanding principal so their fees reduce as the principal balance is reduced. This means that Prosper is not taking a portion of any interest payments, only the principal. An early loan payoff is actually good news at Prosper because service fees will have not had much time to accumulate.

Is it safe?

Borrower defaults: The annual default rate across all grades at Prosper is 3-4%. Poor loan diversification: New investors should take advantage of the $25 minimum investment. Investing in 20 loans at $250 has a much higher risk than investing in 200 loans at $25. Prosper bankruptcy Interest rate risk – the loan terms are three or five years so during this time interest rates could increase substantially. Liquidity risk – While there is a secondary market on Prosper an investment here should not be considered liquid.

  • Established


  • Country Available

    US Only

  • Assets Managed


How You're Taxed

Income Tax

Income Tax

Profits earned from P2P Lending are taxed at ordinary income tax rates. This means that profits are added to your total income for the year.

You can receive income from P2P lending tax free if you invest using certain accounts.


  • 5


  • 4


  • 3


  • 2


  • 1


Reviews (0)

No comments yet