Prosper Invest

Prosper Invest

in Marketplace Investing from Prosper Funding LLC


Prosper Invest


in Marketplace Investing from Prosper Funding LLC

Net Recommendation Score -50%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Rating not yet determined  

0 users recommend
1 user is unsure
1 user doesn't recommend
Cast your vote

Would you recommend Prosper Invest to your friends?

Thanks for your vote!

You voted: May or may not recommend

Community Rating

Rating not yet determined  

Minimum Initial Investment $25
Average ARR 5.4%
Investor Fees 1%

Prosper Invest Review

Prosper Invest is a marketplace based in San Francisco, CA. It was founded in 2005 and offers financing opportunities to investors in 50 states (and Washington, DC).

Prosper Invest FAQ

What rate of return can investors expect?

The average rate of return is 5.4%. However, past performance does not guarantee future results.

What is the minimum investment you can make?

You must invest at least $25 to open an account with Prosper Invest.

What fees does Prosper Invest charge?

Fees may vary but you can expect to pay 1% of the amount invested.

What are the income requirements to invest with Prosper Invest?

Investors need a net worth of $200,000 or an annual income of at least $80,000.

Only U.S. citizens and permanent residents can invest in Prosper Invest.

To qualify, applicants may need to provide the following documentation:

  • Proof of Identity
  • Proof of Income
  • Social Security Number
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  • Headquarters
  •   221 Main Street, Suite 300
    San Francisco, CA 94105
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 9:00pm
  • Tuesday 8:00am - 9:00pm
  • Wednesday 8:00am - 9:00pm
  • Thursday 8:00am - 9:00pm
  • Friday 8:00am - 9:00pm
  • Saturday 9:00am - 5:30pm

Other Services by Prosper Funding LLC

Message From Our Editor

What we love about Prosper Invest

Prosper operates a lending marketplace that matches borrowers with people who want to invest in consumer loans. Investors can help fund loans with very low minimums, making it easy to build a diversified portfolio of consumer loans.

The company offers loans from a variety of borrowers and rates each loan based on the borrower’s creditworthiness. Potential returns vary with the creditworthiness of the loan, so investors can build portfolios with customized risk and return profiles.

What could Prosper Invest do better?

There are a few drawbacks to consider before investing.

One is that Prosper charges hefty management fees, which can significantly eat into investors’ returns.

Another is that Prosper isn’t available in every state and some states place additional limitations on how much you can invest or how you can invest. For example, in some states, you may have to meet certain income requirements to invest or have a minimum net worth before you open an investor account.

Another consideration is that peer-to-peer lending is still a relatively new field for investors. There isn’t as much data on the risk of investing or how frequently borrowers default. If people do default on the loans you’ve invested in, you could lose your investment.

Prosper Invest’s backstory

Prosper was founded in 2006 as a peer-to-peer lending marketplace. The company helps match people who want to invest in consumer debt with borrowers who need loans. The company has helped fund over $5 billion in loans.

The Verdict

Investing in loans through Prosper can be a unique way for investors to diversify their portfolios. However, the fees and potential restrictions make investing through Prosper complicated. If you live somewhere with few restrictions and want to add some unique investments to your portfolio, Prosper is a good choice but most people will be fine with a more traditional investment strategy.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Investor Fees 1%
Minimum Initial Investment $25
Average ARR 5.4%
U.S. Investors

Prosper Invest Community Reviews


Would you recommend Prosper Invest to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

sorted by