Managing Your Investment Account
Password and Account Management
- Can I assign a beneficiary to my account?
- How can I reset my password/unlock my account?
- How do I sign in without a password?
- I tried resetting my password, but the system said my date of birth was wrong. What's going on?
- If I'm an investor, can I also apply for a loan through Prosper?
Payments and Fees
- Is my Prosper investment account a bank account?
- Is my money FDIC insured?
- What is the maximum amount of a loan I can purchase?
- How does a borrower make monthly payments on their loan?
- Are there any fees to invest through Prosper?
- Where can I view my Notes and their payment histories?
- When is a delinquent loan sold to a debt buyer?
- How can I tell if the payment toward my Note is past due?
Security and Verification
- How long does Prosper hold onto my personal information after I close my investment account?
- How do you protect my personal information?
- How does Prosper work to prevent borrower fraud?
- What is a verification stage?
Taxes and Account Statements
- Where can I access the monthly statement for my investment account?
- When will my tax documents be available?
- Which tax forms and statements should I expect to receive regarding my investments?
- Where can I access my tax forms?
- How are my losses categorized on the tax forms?
- Are the earnings from my investments taxable?
Individual Retirement Account (IRA)
- What is a "loan through Prosper" and who originates it?
- How do I invest in loans using my online Prosper account?
- Do you recommend a certain starting amount?
- When are new loans added to the website?
- What happens after I make my investments?
- What is a Note?
- How does investing through Prosper work?
- What are Prosper Ratings?
- How do I deactivate my recurring investment?
- Does Prosper provide access to APIs for investing?
Performance and Reporting
How is my Investment Return calculated?
- What is auto invest?
- What are the costs/fees associated with using Auto Invest?
- Can I still place manual orders if I use auto invest?
- How long does it take for Auto invest to invest my cash?
- Is there an account minimum for auto invest?
- Can I cancel the orders placed by auto invest?
- How do I receive my monthly payments?
- How can I see the details of my payments?
- How long does it take to receive payments from borrowers?
- What are the minimum criteria to borrow on Prosper?
- How does a borrower make payments on their loan?
- Can I schedule recurring transfers?
- How do I transfer funds to and from my investment account?
- When will my investment account become eligible for Instant Transfers?
- Can I cancel a funds transfer?
- How long does it take to transfer funds from my bank account to my investment account?
- How do I verify my bank account so I can invest through Prosper?