You need not worry too much - There are plenty of lenders who will still consider lending to you. However, since a lot of loan requests are in this category, you will have to do more work to get your loan funded. Your listing will have to be extremely detailed and cover all of the aspects mentioned in the general advice section. Here are a few things you should address or focus on in your listing:

• Explain derogatory items on your credit report

  If there are derogatory items on your report, you should explain them. You should also give an indication how you are addressing this issue.

• What do you need the money for?

  Many lenders use the use of proceeds to screen for loans that are suitable for them.

• Submit documents for verification

  If you submit documents that prove the claims you make in your listing to us, we will vouch for their contents for the lenders. This will increase your credibility and increase the chances of you getting funded.

• Be detailed and precise

  In your credit grade category, it is extremely important to give as many details as possible. Also, precision is neccessary. The more precise your numbers are, the better.

• Keep us informed

  It is extremely important that you do a good job of communicating with us when posting a listing. Since we have considerable experience on Prosper, we can give you advice and hints that improve your chances of getting funded.

For guidance on appropriate interest rates, please consult the table below.
Detailed information is available in our tools section.

Grade	$1,000 - $4,999	$5000 - $9,9999	>= $10,000	Average loan size
E	~22%	~23%	-	$3,500
HR	~25%	~26%	-	$2,500
NC	~19%	-	-	$2,300