1. Contact us!

   Tell us something about you and your current situation: Why do you need the loan, how are you going to pay it back? What is your background? Keep in mind that, eventually, people like you will lend you their money.
   If you convince us, we will send you an invitation via email.
   

2. Accept our invitation

   To accept our invitation, you will have to sign up for Prosper, the lending marketplace we use. Complete the sign-up process for a borrower, and sign up for the DVD Loans group. Once you are a member of our group, we will send you detailed contact information.
   

3. Figure out your credit information

   Once you have signed up as a borrower, you should find out your credit information. On the marketplace, each borrower is assigned one of the credit grades: AA, A, B, C, D, E, HR (High Risk) or NC. Also, identify the extended credit information available to lenders - In particular, the number of current and previous delinquencies, the number of public records, the age of your credit, the number of total credit lines and the number of inquiries in the last 6 months.
   If something looks strange, obtain a credit report and check whether everything is reported correctly.
   

4. Don't worry if your credit looks bad!

   Many members of our group fall into the HR category -- and they still have successfully obtained loans!
   

5. Write your loan listing

   Write up the loan listing you will be using on the marketplace. The loan listing should include information about you, your background and current situation, similar to the information you sent us initially. Detail what you are going to use the money for. Detail how you are going to pay off the loan. If there are derogatory items on your credit report, explain them.
   This is your chance to explain yourself to the lenders!
   You also should decide on a starting interest rate, duration for your listing. Of course, you also should decide on the size of the loan you'd like to have.
   

6. Consult our detailed advice

   We have a page with detailed Advice on how to write your listing. We also have detailed information for borrowers of each credit grade ( AA, A, B, C, D, E, HR, NC) on the amount of information necessary and good choices for loan size and interest rate.
   

7. Submit your listing for review

   Once you have finished writing your listing, contact us, and send us your listing. We will look at it, and send you back suggestions for improvement. Incorporate it: Due to our experience on Prosper, we can give our borrowers the best advice available - and it shows in excellent funding rates.
   

8. Submit information you would like to have verified

   To gain trust from the lenders, you can chose to send documents to the group. Since lenders know and trust us, they will listing to our independent review of your information. The more information you have verified, the more lenders will trust you. The more lenders trust you, the better your rate will be.
   

9. Post your listing!

   Post your listing onto the marketplace! Also, tell us that you've done so. We will use that information to promote your listing, if necessary.
   

10. Get your loan

    Once your loan is funded, you'll receive the money in your bank account.

Questions?

Contact us!