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Prosper is a leading online destination for borrowing money and investing in loans. It is a San Francisco, California-based company in the emerging peer-to-peer lending industry, which allows people to invest in each other. Prosper's auction model provides an open and transparent way to get a personal loan or invest in loans on terms that are favorable to everyone involved in the transaction. Prosper verifies selected borrowers' identity and personal data before funding loans and manages loan repayment. All Prosper loans are unsecured 3-year fully amortized personal loans. The interest rate is fixed for the life of the loan and won't change for any reason, even in the event of late payment. Prosper opened to the public on February 5, 2006. Prosper was founded by Chris Larsen and John Witchel.
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