Prosper Personal Loan Help

How to Apply

• What kind of loans are available through Prosper?
• What is pre-approval?
• Can I apply for a loan over the phone?
• Can I apply for a joint personal loan?
• Can I use my loan proceeds for postsecondary educational expenses?

Required Documents

• How do I submit required documents?
• What happens once I provide all the required documents for my loan application?
  
• I uploaded a document, but it didn't go through. What's going on?
• How can I reach the verification department?

Minimum Criteria to Borrow

• Who can borrow money through Prosper?
• What if I am retired? Can I still apply for a loan?
• Who is eligible for a loan through PHL?

About Prosper

• Where can I find Prosper's policies?
• How do I receive messages from Prosper?
• How is Prosper regulated?

Loan Amount

• How much can I borrow?
• What are Loan Interest Rates?
• Are loans through Prosper fixed rate or variable rate?
• What is the difference between interest rate and APR?

Monthly Payments

• When will my monthly payments begin?
• Can I pay my loan off early?
• How can I make my monthly payments?
• Can I pay extra on my monthly loan payment?

Costs / Fees

• Do I have to pay anything out of pocket to obtain a loan?
• What types of fees are charged on loans?
• Interest Paid on Personal Loans
• What if I'm late on a loan payment?
• What does it mean for a loan to be charged off?
  

Getting Started

• Would applying for a joint loan increase my chances for approval?
• What happens if my Co-Borrower withdraws our application? Can I apply again by myself?
• How does credit reporting work for joint loans?
• Can I apply for a joint loan even if I already have an existing loan through Prosper?

Uploading documents

• What can I do if my co-borrower hasn't provided their documents?
• How do I submit required documents?
• How can I reach the verification department?
• What happens once I provide all the required documents for my loan application?
  
• I uploaded a document, but it didn't go through. What's going on?

Account and Password

• I'm a co-borrower, how do I setup a password to access my account?