Why request a loan online?

Requesting a loan online is very easy and quick. You don't need to wait in long lines to request a loan or leave the comfort of your own home.

Credit score has no impact

Your credit history or lack of credit do not impact your ability to obtain the funds you need timely.

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All credit scores considered

Money deposited directly into your account

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What is Prospers Loans?

Prospers Loans is a network connecting lenders who offer short-term loans. Our goal is to pair you with one or more short-term loan lenders who can provide you with access to emergency funds, regardless of the reason. We help you find loans of up to $10,000 quickly and with ease.

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How It Works

Submit Online

Fill out our short form secured with 256-bit technology.

Receive Response

If approved, review all the terms and rates on the lender's website.

Check Your Account

Get money deposited into your bank account as soon as the next business day.

Have a question? We've got answers!

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?

In most cases, the criteria you must meet in order to be eligible for a short-term loan are the same across all lenders. You must be 18 years of age or older, a legal resident of the United States, have a steady source of monthly income (e.g. employment, SSI, etc.), have a bank account that is not currently overdrawn, and have a working telephone number and email address. Some lenders may provide you with funds even if you are not employed, but you must be able to show proof of steady income from various sources such as SSI or unemployment. Remember that each lender has its own rules and regulations and Prospers Loans.com cannot guarantee that a lender will approve you for a loan.

Are short-term loans expensive?

Short-term loans certainly have a reputation for being expensive, but they are truthfully no more expensive than getting a credit card loan or overdrawing a checking account. Think of it this way: while the interest rates for short-term loans are indeed higher, these loans are made to be paid off within a very short period of time. As long as consumers are able to stick to the terms of the loan and pay them off according to the original agreement, it can certainly be a very convenient and affordable option.

When should I take out a short-term loan?

You would not overdraw your checking account or get a loan from your credit card without good reason, so the same principles should be applied to short-term loans. They are designed to be used during financial crises as a short-term solution and never as a way to dig oneself out of a mountain of debt. We encourage consumers to use their loans responsibly and never request money for frivolous spending. Consumers who have serious financial trouble should consider hiring a professional credit counselor to help them prepare budgets and pay off debt.

Customer Reviews

A pipe in my house burst and I didn't have any money at the time to fix it. My buddy had used Prospers Loans before and told me they could help. I went online and filled out a their form. After only a couple of minutes they told me I could get $10,000. I got the money next day and was able to repair the pipe right away.

Drew Miller NE

Prospers Loans is awesome. They were super quick and easy. I did all the stuff online and in couple 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 Prospers Loans. 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

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