When you are investing with us, whether you're planning for your retirment or setting up a college fund, you can be sure that you'll have made a good choice.
Consider these advantages:

1. Small minimum investment

   As the minimum investment is only $50, starting to invest in our loans is fast and easy. With a small initial investment you can try out our approach to lending.
   

2. Great interest rates

   Some borrowers pay interest rates of up to 28.75%. If no defaults occur, that translates into a fabulous rate of return! Even loans in the best category with least risk (AA) still pay an interest rate of about 8%!
   

3. Detailed information about the borrowers

   When you loan out money, you are presented with detailed information about the credit history of the borrower you're lending to. This allowes you to determine whether you're willing to entrust him or her with your money.
   

4. Loans of all risk categories

   Whether you are a conservative investor or willing to take risks, we have loans for all risk profiles: AA loans from extremely credit-worthy individuals to HR loans from high-risk borrowers. Of course, higher risk yields higher returns.
   

5. Easy diversification of risk

   It is easy to diversify against borrower default: Simply invest $50 in each loan of your liking, and fund only a small fraction of each. Even if one loan defaults, the enormous returns of the others will more than make up for it.
   

6. Experienced advice

   With our long term knowledge about Prosper's financial marketplace, we can give you advice on the best loans out there. Using our proven strategies, you can be sure that you'll make a wise descision.