What are the terms for a HELoan through Prosper?

The term options for HELoans through Prosper include terms up to 30 years, and in most cases, borrowers can choose the term that best suits their needs. In general, the longer the term, the lower the monthly payment. On the other hand, shorter terms typically come with lower APRs and will reduce the total amount of interest you pay of the life of the loan. Term options are subject to credit approval.