You’re the giving type—and you like great results.
Your boss wanted to wow the board, so you worked overtime to create a bulletproof presentation. Your brother’s “bachelor pad” needed more than a futon and a flat screen, so you spruced it up.
So when it comes to your money, don’t just invest—Prosper.
Prosper is a peer-to-peer lending marketplace that gives investors direct, low-cost access to high-yield consumer loans.
Prosper gives investors (a.k.a. you) the ability to invest in creditworthy borrowers. You can help others get fixed-rate loans that they pay back over a period that works for them.
Over the past three years, investors on Prosper have earned returns higher than 9% on average.*
How it works:
- Prosper screens and scores creditworthy borrowers.
- Investors review loan requests and invest small amounts across several loans that meet their criteria.
- Borrowers make fixed monthly payments and investors receive their share directly to their Prosper account.**
We call that lending a helping hand.
Join investors who have funded more than $400 million in loans—sign up at Prosper.com or call 1-877-611-8797 to talk to an account representative.
* Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes ("Notes") issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through November 30, 2011. Our research shows that Prosper Note returns historically have shown increased stability after they've reached ten months of age. For that reason, we provide "Seasoned Returns", defined as the Return for Notes aged 10 months or more.
To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365. All calculations were made as of September 30, 2012. Seasoned Return is not necessarily indicative of the future performance on any Notes.
** Prosper investors do not make loans directly to borrowers. Instead, investors purchase Notes issued by Prosper which are dependent for payment on payments Prosper receives on the corresponding borrower loan.
Notes offered by Prospectus.