Prosper Reviews
Prosper Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Prosper has a 1.5 star rating from 60 reviews, with 75% saying they would likely recommend; reviews note an unfavorable rating distribution and high price level.
Key Takeaways for Future Customers
- Read Prosper reviews carefully before applying.
- Expect easy application and competitive interest rates but watch automatic withdrawals.
- Prepare documentation and monitor billing and refunds closely.
Negative Feedback / Risk Areas
- Widespread customer complaints about customer service and poor help with identity theft.
- Frequent reports of fraud, security breach impact, denied loans, and refund delays.
Positive Feedback
Some users praise easy application, good interest rate offers, and occasional professional support.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Prosper has a 1.5 star rating from 60 reviews, with 75% saying they would likely recommend; reviews note an unfavorable rating distribution and high price level.
Key Takeaways for Future Customers
- Read Prosper reviews carefully before applying.
- Expect easy application and competitive interest rates but watch automatic withdrawals.
- Prepare documentation and monitor billing and refunds closely.
Negative Feedback / Risk Areas
- Widespread customer complaints about customer service and poor help with identity theft.
- Frequent reports of fraud, security breach impact, denied loans, and refund delays.
Positive Feedback
Some users praise easy application, good interest rate offers, and occasional professional support.
Media from reviews
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Waynesboro, Virginia
Fraudulent Loan Application + Zero Help With Identity Theft
DO NOT USE PROSPER.
I never applied for any loan, never checked rates, and never created an account with them.
On June 26, 2026 someone used my stolen personal information to fraudulently apply for a loan (Reference FIC001B58). When I contacted Prosper to report identity theft and demand they remove all records, they completely ignored me.
Instead of helping, they sent me completely irrelevant automated responses about "opt-out requests" and privacy laws that had nothing to do with fraud.
This company had a massive data breach in 2025, yet they still can't handle basic identity theft cases.
Their customer service is useless and they clearly don't care about protecting people's data.
Prosper is a serious risk. Stay away from this company.
User's recommendation: Do not use prosper
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |This person supports our platform.
SupporterSecurity breaches + Emergency loan denials = Prosper.com
- - Prosper data breach exposed SSNs, credit-score access was offered, reviewer says their credit was adversely affected and a 2K loan was denied.
Earlier this year, I received an email from Prosper that there had been a massive data breach and millions of SS#'s and myriad personal information had been leaked. To compensate for their Bush League security system, they offered those affected unlimited access to their credit scores and reports for a limited period of time.
In my view, particularly because my credit was ADVERSELY affected as a result, I thought TOO LITTLE, WAY TOO LATE.
We had a tragic death in my family - a young person lost his battle with leukemia. That particular branch of our family has few resources - and they're too proud to start a GoFundMe. I requested a 2K loan from Prosper - which I could pay off in record time. But since TIME is essential, I applied and was denied.
They are the nastiest, niggardly and arrogant institution extant.
But I believe in karma and I foresee the perfect storm brewing for them. If I am right, it's just desserts - they should be ASHAMED of themselves for the breach and the affront of offering barely nothing in compensation.
I will get the loan -of that I am certain - but what goes around, as I often say in these circumstances, will bite them and woe betide their shareholders - all ten of them. A thoroughly disgusting and HEARTLESS institution - refer to the quote above.
- Cater to people with impeccable credit
- Data breaches will ruin impeccable credit
Preferred solution: Apology
User's recommendation: If you like arrogant bankers who treat people like dirt, open an account
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Mount Ayr, Iowa
Fraudulent actions
- - Loan approval letter arrived; fraud followed.
- - Found parties not connected to Prosper.
- - Saved evidence; will report to authorities.
Recieved approval letter for loan request. From that point on nothing but fraudulent actions, I researched partys found they were not connected to prosper(my notice) Set emails to steps placed, plus names, numbers used ect.
No response back. Call customer service took my information then hug up on me! Unbelievable.
Saved all , next step report to who law allows. Photo up load to how it all started.
User's recommendation: Think first before you trust them
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Mount Ayr, Iowa
Fraudulent actions
Iit is ti much to place on here. I have sent emails to support@***.com ,got hug up on phone contact
User's recommendation: Beware of online loan
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerFraudsters
- - Refund of about $1,000 went to a closed bank account.
- - The transfer could not be canceled.
- - The reviewer warns others not to use Prosper.
No resolved.
I paid this loan off in less than 6 months and was due a refund for an over payment. I contacted Prosper to find out where my refund was and they said it had been sent to my bank from a loan I had 10 years ago. I called customer service and told them that the bank account I used for my loan I had 10 years ago was closed. I asked them why they did not send it to my credit union.
I was told the closed bank account was the only one they had on file. I told customer service that was just false as I had several payments taken out of my credit union on the current loan. I asked them to cancel the transaction and either refund the money to my credit union or send me a check. After a week with no response, I sent an email requesting a supervisor review my complaint.
A week later, I received an email requesting I call customer service so they can call the bank because the nearly $1000 they sent to the bank had not been returned to them. What? Are you insane? These idiots sent money to a closed account and can't seem to cancel a transaction they initiated.
Now they want me to contact the bank? Either these people are complete idiots or brazen criminals. I have to sue these *** to get money I am owed. Do not use them.
You will regret it. This is the poorest financial company I have ever dealt with and I could get better customer service from a tree stump.
- Straight up crooks
Preferred solution: Full refund
User's recommendation: Find a different loan company
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerHorrible service, poor credit line amount. Block card for ZERO reason
- - Card blocked without consent.
- - A $50 recurring payment triggered an alert.
- - A $43.90 transaction was denied.
- - There are no perks and high interest.
Do not accept the card, this is the ABSOLUTE WORST!!!
Blocked my card without my consent for "security concerns" I had a $50 transaction that trigger an alert??? These are RECURRING payments (month to month).
One of the transactions ($43.90) HUGE AMOUNT, RIGHT?
DENIED!!!
The card always being paid on time, never late, perfect credit.
No proper English communication.
Hang up on my asking why a hold is there.
Never raised the credit limit, ever!!! they said is automatic, and reviewed!!
No perks, ZERO incentives
Astronomical interest rates
NEVER AGAIN !!!
- Easy approval
- Unreliable
- High interest rates
- Very high fees
Preferred solution: A proper explanation from an ENGLISH-speaking EXECUTIVE for why placing a hold RECURRING payments of $50!!!!! and no credit increase after years of great payment history.
User's recommendation: DO NOT ACCEPT THIS CARD, YOU WILL REGRET IT
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerHorrible In A Hardship
- - I tried hardship help but was told only option is a full payment.
- - 90 days behind, penalties require $700, and other cards offer hardship programs.
The minute I couldn't pay due to health and job issues, I called to see if there was anything I could do. They told me The only thing I could do was make my payment.
I paid as much as I could and continue to get behind. They send out these emails that say.Call us if you're experiencing a financial hardship and we'll help you which gives you.Hope that you can make it through this time. Then when you call customer service they let you know, there are no hardship programs.There are no chances for you to get caught back up.The only option is to make a full payment. I'm now 90 days behind and, with penalties and fees, I have to make a seven hundred dollar payment to become current.
That's including small payments that i've made along the way. I have a lot of credit cards And this is the only one that refused to help me at all. I've gone through the hardship Programs that were available with the other credit cards and they are all now current.
It's the first time I've ever ran into a financial problem like this. I'm grateful for the other credit cards that offered me a manageable answer during recovery.
- Larger limit than most rebuilding credit cards
- No hardship program options
Preferred solution: I'd like them to follow the Industry standard and have a hardship program option available for economic catastrophes to help people get back on track.
User's recommendation: Avoid
This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer |This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
San Francisco, California
REFUSAL TO CREDIT REFUND BACK TO MY ACCOUNT
- - Purchased from EEL Battery on 8-23-2023 for $479.99 via PayPal; Prosper charged.
- - The item wasn't fully shipped; parts returned; PayPal approved.
MADE ONLINE PURCHASE OF BATTERY BOX FOR SOLAR SET UP ON 8-23-2023 FROM EEL BATTERY USING PAYPAL
WITH PROSPER AS THE CREDIT CARD USED FOR THE TRANSACTION, IN THE SUM OF $479.99. ITEM WAS NOT
FULLY SHIPPED TO ME SO I FILED A COMPLAINT WITH PAYPAL.
THEY HAD ME SEND ITEM PARTS BACK TO SELLER
AND APPROVED A REFUND. PAYPAL PROVIDED TRANSACTION DETAIL FOR THE REFUND TO PROSPER, HOWEVER
PROSPER CLAIMS NOT TO HAVE RECEIVED IT. PAYPAL ASSURES ME THEY REFUNDED PER THEIR AGENT NAMED
BRYON. PROSPER CLAIMS NO RECEIPT.
I WENT BACK AND FORTH WITH BOTH PAYPAL AND PROSPER SEVERAL
TIMES WITH NO RESOLUTION. I JUST WANT THE MONEY CREDITED BACK TO MY PROSPER ACCOUNT. IT HAS
TAKEN MANY WEEKS AND MONTHS TO DEAL WITH THIS ISSUE AND NOW I STILL HAVE NO CREDIT FOR MY
EFFORTS. I TRIED FILING A DISPUTE WITH PROSPER BUT THEY CANNOT OFFER ME ANY TIME OR ASSURANCE
THERE WILL BE A RESOLUTION.
AND PAYPAL CLAIMS TO HAVE REFUNDED AND TOLD ME THEY CANNOT "TRACE"
THE TRANSACTION FOR AT LEAST 30 MORE DAYS (OR LONGER).
FOOT DRAGGING GALORE. PLEASE HELP.
- Unreliable as can be
- More unreliable as can be
Preferred solution: Full refund
Livermore, California
To let others know
Fairly new account. I have had three transactions (2 $17.00 1 for $50.00) all three flagged for being fraud. I have had to call all three times to unblock card
User's recommendation: Not worth stress
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerTo apply for a personal loan
- - I was pre-approved for a $7500 debt-consolidation loan.
- - I asked for $8500 and was denied.
- - A hard inquiry was added to my credit report.
Very disappointed. I was lead to believe I was getting a loan ( for debt consolidation) after speaking to representative, she told me I was pre-approved for a $7500.00 after I told her I was looking for a $8500.00 loan, after filling out further documents I was denied with no reason as to why. And added a hard inquiry to my credit report.
- Easy application
- Not straight forward
Preferred solution: Honesty
User's recommendation: Beware of “pre approved “ offers, side inquiries are not a guarantee to approved loan
Poor service. loan cancelled. no personal decision making. annual incomes don't always verify. you should be asking the consumer for more information.
- - The app shows annual income and omits base pay.
- - Request more info and allow loan re-evaluation if income verification cancels a loan.
your app says annual income. it doesn't say base pay.
it doesn't say additional income you would like to include. for someone who is credit worthy and works alot of overtime.
you should be asking the customer for more info not canceling and suspending their opportunity to apply again. you should have someone that can re evaluate a loan especially if it is cancelled based on verification of income.
User's recommendation: use magic numbers
Stop automatic payments
- - No complaint; the gentleman was polite and helpful.
- - Sought help from National Debt Relief Program; contact 800-300-****, fax 646-572-****.
I have no complaint. The gentleman was very polite and very helpful!!!
Thank you! Due to a hardship I have had to ask for help from the National Debt Relief Program.
Their number is 800-300-****. Fax: 646-572-****
If you have any questions please call them
Thank you for your time and consideration in this matter!
User's recommendation: Call them if you need help!
West Orange, New Jersey
Issues with prosper card
- - Called 6 times and on hold for over 2 hours.
- - Could not use the card after verification.
- - Card closed for no reason, found during payment.
I have called 6 times and been on hold for over 2 hours. I could not use my card even when I verified I was doing the transaction.
I was suppose to receive several call back & emails I never received any call or email. Then my card was closed for no reason, and I didnt know until I called to make a payment.
Very Polite and Professional
I asked to change my payment due date from the 3 rd to 15 th
He said they couldnt do it till after first payment
So I will call back after first payment
Thank you
- Easy application
- None so far
User's recommendation: Yes this is a Great Company
Bad Experience with the Prosper Credit Card
- - Account was hacked and scammers withdrew money.
- - Applying for this card required banking info.
- - I had to cancel and replace the card within a year.
Account was constantly hacked and money stolen by scammers. When you apply for this credit card you have to give them your banking information.
I had to cancel the card once and get a new one in less than a year. Someone was constantly hacking my account and money was being withdrawn from my checking account and purchases were made.
I have ended up paying several hundred dollars for items purchased by scammers so I have now closed the account and am paying off the credit card. It's great to help rebuild your credit in the beginning but this is an account that someone will constantly ***
User's recommendation: Do NOT apply for this credit card.
City Of Saint Peters, Missouri
Not sure
Need card Im still waiting on card hopefully soon until then cant rate so who ever gets this plz advise what to do
About
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.
Prosper is ranked 241 out of 1160 in Loans and Mortgages category
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I laugh when I get flamed by T R O L L S - but if this person had B A L L S, he wouldn't post anonymously. Grow a pair, dude, or haven't you noticed they were missing?
Pin your address....
What does a data breach have to do with your loan being denied?
Your point is well-taken. I suppose my larger point and grievance is that this company should have done much more to those affected by this breach. I DID get a loan, by the way, but I've been receiving checks from Amazon, AT&T, among others, for their own misdeeds - Prosper should have done MUCH more and that is the general tenor of my complaint.
Coda: The loan came from Chase, not from Prosper. By the way, I don't bite, but remaining anonymous is your perogative.
LOL...You act as if you're receiving huge checks that no one else did. Like everyone else who joined, you received a pittance of a check from a class action lawsuit.
You're probably the type of "man" who join every class action and is also a professional P I T A who loves to pad their complaints with useless facts that have nothing to do with the complaint. L A M E
Feeling the same about SWBC Mortgage.