I recently got a loan from prosper for $35000 as a home improvement loan im going to explain exactly how it worked and my experience with them. I applied for the loan on 4/12/22 it took them until 4/15/22 three days to approve me it was Friday so id have to wait til 4/18/22 which is Monday to receive funds they asked me for the following documents

1 last/most recent paystub

2 last two months of bank statements and your most current bank statement also asked me to send picture of my drivers license and social security card. They will ask you for your bank info such as where you want the funds deposited to. After i applied either that evening or the next day a verification agent called to verify some information that was stated. The next day i woke up and seen they pulled a HARD INQUIRY WITH TRANSUNION now of course when you first apply it is a soft pull to see what they can offer you any loan. If they do a hard pull most likely you are approved already or you would of received notice of otherwise. At this point you would have already signed your loan documents and everything needed on your behalf through the website. I did have to pay a origination fee of $ 1750 so i only received 33,250 of the 35,000 at a 13.60 Apr. Not the best no but definitely not the worst the whole process was very quick and if it wasn't for applying in the middle of the week I believe the loan would of been approved and funded within a 5 day period I received my loan today and am very happy about it. I hope this information helps anyone looking to inquire about a loan through prosper.

Most helpful negative review

A complete joke..

Intuit Credit Karma member

OUTSTANDING approval odds just to get denied..this lender is a joke and nothing more than to collect your information to receive endless spam emails and worthless garbage..if one has an outstanding approval odds then why do they mislead you and deny the loan??

Member ratings

All member reviews (4974)

Quick. Easy.

Intuit Credit Karma member

LIARS

Intuit Credit Karma member

Scammers. They ask for all your data then turn you down. Also LIED about being a soft pull. Now you scammers are on my credit report as a hard copy. DO NOT USE THEM. They LIE

Smooth and easy

Intuit Credit Karma member

It was such a smooth and quick process! Shocked! I applied Friday evening and received the funds moments ago. Yes, initiation fee is high but I am so happy with the process and getting funds so quickly!

Thanks for the help

Intuit Credit Karma member

Thank for helping me out in times interests rates are high. You guys keep it reasonable.

Bailbond Agent

Intuit Credit Karma member

Easiest Loan Experience

Intuit Credit Karma member

Applied for loan to consolidate our debt on Sunday and approved Monday with money in our bank Tuesday. Easy verification process with short phone call. Credit Karma gave many different loan options with good details for each.

The best I've ever had

Intuit Credit Karma member

The fastest loan experience I have ever had and I'm 55 years old and took a lot of loans out if it's up to me I will not use anyone else anymore I paid off two loans with the money I got from them that were a lot higher interest and I'm paying off some more stuff and consolidating for payments into one thank you prosper

Satisfied loan experience

Intuit Credit Karma member

I recently recieved my loan at the requested amount. Once I provided the informatin requested, Prosper kept me informed on the process of the application until it was funded. Seamless process, thank you.

Review

Intuit Credit Karma member

Excelentes, en 5 días me hicieron el préstamo y la consignación, con un interés mejor que la competencia, los recomiendo.

Good

Intuit Credit Karma member

I put a application in on a Friday and the money was in my account on Monday

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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.

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Because Even is essentially the “middleman” connecting borrowers and lenders, there are no specific Even Financial credit requirements. Generally speaking, though, Even Financial caters to borrowers who have credit scores between 580 and 800.

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