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Who can apply for a Prosper® Card?
Everyone is welcome to apply if you meet the following criteria:
- At least 18 years old
- U.S. Resident living in any state other than Iowa, North Dakota, or West Virginia
- Have a Social Security number
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What are the steps to the application process?
The Prosper® Card application process is simple—get an estimated offer fast with no impact on your credit score. On rare occasions, it takes longer to confirm your information (this generally doesn’t take more than a day). If that happens we will send you an email with details.
Once your application is approved and you’ve accepted the terms, you can choose to set up AutoPay (if you do, we’ll waive the annual fee for the first year †), pick a payment due date, and get your digital card for instant access to a portion of your credit line.
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Can I change the Autopay settings for my Prosper® Card?
Yes, you can update your AutoPay settings at any time by logging in online or in your Prosper® Card app.
You can turn AutoPay on or off, change the billing amount, or change the bank account you use to pay your bill. If you are going to change your bank account, go to Manage AutoPay, select the current bank account you’ve been using, and either add a new account or select another you’ve already set up.
Please know that when making changes to AutoPay, they may not go into effect until the next billing cycle.
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Can I change my due date for my Prosper Card?
Yes, you can change your due date once over a 12-month period. Call us at 800-903-4697, Mon–Sun, 8 AM–10 PM ET and we can make this change for you.
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Can I pay my credit card balance off early?
Yes, you can pay your balance off whenever you'd like! The Prosper® Card doesn’t have any pre-payment penalties.
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Where can I download the Prosper® Card App?
You can find the Prosper® Card app in the Google Play Store or App Store.
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I’m worried about fraud, what can I do?
If you need immediate assistance, reach out to us at 800-903-4697 Mon–Sun, 8 AM–10 PM ET.
You can also lock your card to block unauthorized transactions by selecting “Lock or Unlock Card” from the My Card page of the dashboard.
If you want to stay on top of charges to your account, set up a transaction alert from the Account page on the main menu, then select "Alerts" and follow the prompts. This will send you an alert through text, email, or push notification when a transaction is made on your account.
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How do I dispute a charge on my credit card?
Call us at 800-903-4697 Mon–Sun, 8 AM–10 PM ET to dispute a charge on your Prosper® Card.
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What happens if I go over my credit limit?
The transaction may not go through if you go over your credit limit. You can check your available credit limit on the home page when you log in to your account.
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Will my APR change over time?
Your APR has a variable rate, meaning the interest you pay could increase or decrease. Changes to this rate are influenced by the prime rate.
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Can I use my Prosper® Card immediately?
Yes! Once your application is approved, we’ll drop your Prosper® Card in the mail. While waiting for the card to arrive, most new cardholders will be able to use a portion of the credit line immediately with a digital card.
Download the Prosper® Card app and add your digital card to your phone’s wallet. You can also view your digital card details online when you log into your account.
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Where can I find my Prosper® Card’s costs and fees?
You can see all the details about your Prosper® Card’s costs and fees in your Cardholder Agreement. We sent a copy to your email. Search your inbox for an email with the subject line:
"You're approved! Your Prosper Card is on the way" from noreply@info.prosper.com.
Once you locate the email, log in to securely access your Cardholder Agreement, as well as any other important documents tied to your application.
If you need a new copy of your Cardholder Agreement you can request one by calling us at 1-800-851-0630, M-F, 9:00 am - 7:00 pm EST.
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Where can I find the documents I signed during my application?
To find your documents, take the following steps:
- Go to https://www.prosper.com/auth/email-code
- Enter your login credentials
- Click your first name in the upper right corner
- Select “documents & history”
- Select “Legal agreements & disclosures”
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When will I receive my Prosper® Card?
Once your application is approved, it usually takes 7-10 business days for your card to arrive in the mail. You can use a portion of your credit line with your digital card while you wait. Log in to your account online or in the app to get your card details.
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Can I add my Prosper® Card to my digital wallet?
Yes, once you're approved you can add your Prosper® Card to your digital wallet.
Download the Prosper® Card app on the App Store or Google Play Store. Then, in the "My Card" tab, select "Add to wallet" and follow the prompts to add the card to your phone's digital wallet.
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Does the Prosper® Card require a security deposit?
No. This is unusual for a card open to people with less-than-perfect credit, but there's no security deposit required for the Prosper® Card. We believe that not requiring a security deposit is a great first step to helping people reclaim control of their finances.
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I have less-than-perfect credit. Should I still apply for the Prosper® Card?
We welcome applicants with less-than-perfect credit. Plus, checking to see whether you qualify won’t affect your credit score.
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Will applying affect my credit score?
No. You can check to see whether you qualify and, if you do qualify, see your estimated Prosper® Card interest rate and credit line amount with no impact to your credit score. If you decide to finish the process and get the Prosper® Card, we will post your newly approved credit card to your credit profile, which could lower your credit score slightly.